23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been monitoring my credit report the last 3 years since my chapter XXXX A week ago on XXXX my Equifax score plummeted XXXX points!!!! they now say I am a XXXX. That is a score for people that DO NOT PAY THERE BILLS! I was denied credit lately for my wife 's XXXX present, if I was to qualify for a loan it would be 20 % or Higher. I am a homeowner 5 pmts on time own a XXXX ram, 16 payments never late, a recreational loan for 3 yrs never any late payments. I am in the same category according to Equifax as some one delinquent on a mortgage, a vehicle repossession and numerous credit charge off 's. As you can clearly see I have paid perfect since the chapter XXXX is n't that what I am supposed to do? I have said over and over the credit reporting agencies are FLAWED and if this does n't get resolved I am going to hire an attorney and file a class action law suit. I have a customer c come in the other day, 8 late payments a vehicle charge off and they were still higher than my score. This is unfair please get this corrected.
Product: Credit reporting or other personal consumer reports

I paid XXXX $ to XXXX XXXX for DDA ChexSystems and they told me my credit would be fixed and I will be able to open an account with in 3 days, almost 10days went by I called to check on the clearance and a support advocate answer the phone disrespectfully so I ask for my refund then the advocate start to say XXXX XXXX  and XXXX  XXXX  me I have multiple recording of different advocates showing bad customer support and constantly giving me false statements that my money been refund but when I called my money account they said they havent received no refund of deposit or had on pending so at this point my money getting hoarder and I have recording of me calling and they not answering cause they know why Im calling I have proof they know when I call cause I have recordings of them answering the phone and stating my last name as they first words of choice.
Product: Credit reporting or other personal consumer reports

XXXX TransUnion XXXX refuse to delete an item that the collection closed after investigation by CFPB Complaint # XXXX XXXX. 
XXXX XXXX XXXX closed the dispute and are not attempting to collect but still report past due to the 3 bureaus every month. 
This adversely affects my score. There are no late payments on my credit report except for this but my score is poor. Its the collection that is the only derogatory. 
I can not afford {$440.00} to pacify dishonesty. The original fraudulent charge of {$120.00} was dismissed by the original creditor XXXX XXXX XXXX  but exactly a year later sold it to collections who now want {$440.00}. 
Please help again Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing the following inquiries below which I never authorized and I ask that they be DELETED from my credit report due to being placed on it without my expressed consent or written authorization! 
XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

In XXXX of 2015 we sent in XXXX payments for both bills that were due in XXXX. When we submitted the payment, AES applied the payments incorrectly even though they were the exact amount shown on both statements, in which we sent XXXX separate payments so this type of error would not happen. 
We proceeded to contact them when we received a statement for {$0.00}? Not even close to amount we were supposed to have due. We called and spoke to their customer service. They said they would get it corrected and reapply the payment properly. 
We received a collection call a week later. We then came to XXXX they did not correct the issue, we had them look up the account and the person we spoke with said and confirmed it was not applied properly to be fixed and that she would make sure it was done. They then proceeded to tell us that there is a past due amount now and that the correction of this will fix the problem and we would not receive any late fees from their error. 
A week later we received another collection call ... We re-explained the story again which they were able to see their account notes ( why do they not check their notes before they call? ). They proceeded to tell us we had a past due amount in XXXX, which is not true because we paid everything due. Our XXXX payment even as of this date writing this complaint is not even late yet? So any amount being past due is due to their error from XXXX. We escalated to a manager and retold our story again after the last manager was conveniently disconnected. So we are on our XXXX call with AES and still no resolution.
Product: Credit card or prepaid card

Made payments that completed on XXXX XXXX XXXX, and XXXX  in the amounts of {$85.00}, {$400.00}, {$150.00}, and {$350.00} respectively. I did this in order to pay off charges as they posted to account. Synchrony Bank is now suppressing my credit limit after already taking the money from my bank account. Current balance is only at {$68.00} and my credit limit is supposed to be {$1200.00}. Meaning I should have {$1100.00} of credit available. HOWEVER, Synchrony Bank has unilaterally decided to place the payments of {$400.00}, {$150.00}, and {$350.00} on hold for more than ten business days and my current available balance is a mere {$380.00}. I am being punished for being the most responsible type of credit user. Unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2021, I sent several disputes to Equifax, with regard to incorrect and inaccurate furnishing of information. Equifax proffered that they corrected the report to reflect all disputed items were deleted. 

In response, Equifax forwarded a report ( dated XX/XX/2021 ) showing no inquiries were included. 


However, on XXXX XXXX, 2021, I submitted an application for a personal XXXX XXXX  Credit Card. On XXXX XXXX, 2021, XXXX XXXX  denied said application, stating in part that " Too many recent inquiries are recorded on your credit bureau report ''. 

Equifax is in violation of 15 USC 1681e " Accuracy of report '' ; whereas, Equifax is providing one version of a credit report to me, ( the consumer ) and a different version to the potential credit grantors.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency, I hope this letter finds you well. I am writing to dispute a 30-day late payment entry on my credit report that pertains to my charge card account with The XXXX XXXX XXXX I believe that the reporting of this late payment is inaccurate and does not reflect my payment history with The XXXX XXXX. I kindly request your assistance in rectifying this matter. 

To provide you with the necessary information, please find below the details of my account : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXXXXXX  Status : Paid, Closed. 
Status Updated : XX/XX/XXXX Credit Limit : {$500.00} Highest Balance : {$340.00} Payment history guide : 30 days past due as of XX/XX/XXXXXXXX  I would like to bring to your attention the consumer protection law, specifically 15 U.S. Code 1666b, which states that a creditor may not treat a payment on a credit card account as late unless they have adopted reasonable procedures to ensure that each periodic statement, including the required information, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Based on this law, it is incumbent upon creditors to follow reasonable procedures for the timely delivery of statements, ensuring that consumers have ample time to make payments without incurring late fees or negative reporting. In my case, I have never received any late payment notices or reminders, and I have a history of making payments on time. 

Therefore, I dispute the accuracy of the 30-day late payment notation in my credit report. I kindly request that you investigate this matter and rectify the reporting of this late payment to accurately reflect my payment history. The accurate status of my account should reflect that it was paid on time and in full. 

If you require any additional documentation or information to process this dispute, please inform me promptly, and I will provide it to you as soon as possible. I understand the importance of providing all necessary evidence to support my claim.
Product: Prepaid card

I was issued an American Express reward gift card from XXXX XXXX and used it once on vacation then it was declined any other time I attempted to use. It still reflected a balance but was declined everywhere online and in person after the first use. I called multiple times and only received automation which does not give me any live person. I also went online multiple times and tried to get a response that way but nothing. I looked online and it appears this is a common occurrence with American Express and possibly a way they are scamming consumers. Online I was able to see that others have filed complaints this way to get their money.
Product: Debt collection

I visited XXXX on XXXX XXXX, XXXX, my insurance company, XXXX paid the claim for this visit on XXXX XXXX, XXXX. XXXX XXXX XXXX contacted me about the payment and I submitted my ins. docs to them for verification of payment and I never heard anything back. XXXX XXXX I receive a letter from Transworld Systems INC claiming I owe {$970.00} which is and additional {$340.00} on top of the {$620.00} that my insurance company already paid XXXX XXXX XXXX. I disputed this claim an I provide TSI the same verification that I sent to the health center, but on XXXX/XXXX/XXXX XXXX sent a collection notice to the credit bureau now my credit score has been effected.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX bank account was removed from XXXX and XXXX but eperian refuse to remove the account. experian continue to report inaccurate information. Clearly violating 15 usc 1681 i
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Debt collection

I just checked my credit report and found some accounts that arent mine. Please remove these fraudulent accounts as they're affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX  XXXXXXXX XXXX add a derogatory mark on my credit report per XXXX XXXX XXXXd Experian. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX  and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate on a new car. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit card

My account was closed, and I mailed a letter to the corporate office XX/XX/year> to request to re-open the account. I have not received an answer or any type of communication to follow-up with the request. Therefore, I'm submitting a complaint through the CFPB. The account was closed due to a transaction made for me that was flagged as fraud. All correspondence regarding this was mailed to an old address so I was not able to respond to the letter that was mailed. The transaction is valid, and I requested my account to be reopened so that my credit history will remain active.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the fair credit report act 1st Digital/Synovus/XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It 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 credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have a charge from XXXX on my credit report and Ive never applied for a XXXX credit card or used a XXXX credit card! This card was apparently opened in XX/XX/2018 and is somehow attached to my credit report! Ive disputed this account through the XX/XX/XXXX as well as through the company itself, to no avail! This is affecting my credit score and hindering my attempts to improve my credit score! I have no idea what to do next?!?! Please advise!!
Product: Debt collection

I called Midland Funding LLC after I noticed a strange issue on my credit report. called XXXX. The representative refused to submit information to me regarding verification of this so called debt. 

I have not had any credit cards for 8 years, that I am aware of, and tried to explain this to the clown on the other end of the phone at midland funding. He acted stupid, treated me as though I was stupid, stated I do this all the time when I call. However, I have never called them till today. 

The representative responded to me with abusive and demeaning comments all during the conversation, as though, I were lying to him regarding my assessment of the account and request for verification. 

These people at Midland Funding are a disgrace to the debt collection industry. 

He then refused to acknowledge I was stilol on the phone by saying I cant hear you ... .you still there ... .Hello .... 

He knew I was still there he just did not want to deal with my law protected request for information. THIS SI A DIRECT VIOLATION OF THE FDCPA GUIDELINES!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX and 30 days late payments for the month of XX/XX/XXXX. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is create a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payments from this account. Below is the account with erroneous information and Id like remedied XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I obtained this debt due to XXXX. The collection status was deleted from my report months ago and now its showing again. This is unfair credit reporting practices under federal law. I am a XXXX XXXX  and the practices demonstrated are not legal.
Product: Debt collection

With reference to the letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 
2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23.

3. Proof of Claim that ENHANCED RECOVERY COMPANY has the legal right and lawful authority to  attempt to enforce collection of the alleged liability in the form of Proof of Agency. 

I hereby serve Notice that failure to provide Proof of Claim by ENHANCED RECOVERY COMPANY has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring ENHANCED RECOVERY COMPANY from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. 

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of ENHANCED RECOVERY COMPANY agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act XXXX XXXX XXXX amount XXXX XXXX # XXXX Date : XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX has violated my rights15 USC1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish your account without my written instructions.
Product: Debt collection

I am making a dispute against WELLS FARGO CARD SERVICES in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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