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

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have already filed a complaint with the company through here once already. They have one employee that continues to harass me and threaten me. The company has already responded to the original complaint through here and the employee continued to harass me. So I reached out to the supervisor and they advised me that the employee would be removed from my account. Im not even 30 days late on my payment and the same employee that the company advised me would not be allowed to touch my account put my car on the repo list and advised me to surrender now. He is very unprofessional in the way he conducts business and the way he continues to go against company orders and harass me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple 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 Account Name : XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

I filed disputes online sent letters to XXXX to remove the debt of XXXX XXXX XXXX  for the amount of {$1.00}
Product: Money transfer, virtual currency, or money service

XXXX XXXX has locked the member out of the account and has disregarded the request for the member to transfer there funds electronically to another account. It's not Navy Federal who is withholding the funds but XXXX XXXX. Therefore, I am making a complaint personally against her.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Debt and Refusal to Pay To Whom It May Concern, I am writing in response to your attempt to collect a debt allegedly owed by me. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am formally notifying you that I refuse to pay this debt and dispute its validity.

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt, the debt collector must cease all further communication except to confirm the termination of collection efforts or to notify the consumer of specific legal remedies.

Additionally, under the FCRA and FDCPA, I request the following : Validation of Debt : If you believe this debt is valid, provide complete documentation to prove its legitimacy, including the original creditor, account details, and proof that this debt is collectible under applicable laws. 

Account Name : XXXX XXXX XXXX XXXX Immediate Cessation of Reporting : If you can not validate this debt or establish its legitimacy, you must cease reporting it to any credit reporting agencies, including XXXX, Equifax, and XXXX, as an unverified debt violates the FCRA. 
Notification of Resolution : Confirm in writing that this matter has been resolved and that no further collection actions will be taken.

Any further attempts to collect this disputed debt without proper validation will be considered a violation of my rights under federal law and may result in legal action against your agency. I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office if necessary.

This letter serves as my final notice to dispute and refuse payment of this alleged debt. I look forward to receiving written confirmation of compliance with this request. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some late payments that were supposed to be on time. Myself and my creditor discussed " my payments not being marked late because I had things going on not because of the pandemic. '' I sent a letter to Experian in order to get this fixed but they said that everything is reporting correctly, but it's not. Could you please help me with this situation?
Product: Mortgage

I have deal with Chase for some time, trying to work out a modification agreement. The have been very difficult to deal with and they seem not to want to actually deal with the customers. I always get a new person assigned to my file, and now I have a sale action date of XXXX XXXX 2015. I still want to keep my home. Their executive office is difficult to deal with as well, even though they own the loan and there is no third party investor. 
I contend that Chase offered me a modification agreement last summer that I accepted with their on line portal, however they sent in writing a modification offer that was $ XXXX/mth higher than what I accepted on line. I asked for an explanation and inquired to Chase what happened to the first offer, but they took the stance that they would only acknowledge the second offer they sent. I still made all the trial payments, in the good faith that they would see the error and honor the first set of modification terms. By XXXX they still did not acknowledge the first offer, even though it was still showing online ( of which I have screen prints to show ) and would no longer accept payments from me after I made all of the trial payments. 
I have been trying since XXXX to have asstiance with someone in helping with Chase as they seem to hold all the cards. Chase owns the loan there 's is no 3rd party investor, so they can do whatever they want, which is to foreclose. It is clear this is the way they do business as evident with the numerous settlements for XXXX of dollars including the XXXX XXXX dollar Mortgage Foreclosure Settlement. They have gotten me to accept one offer they switched it with another more expensive offer, it has been a classic bait and switch situation. It seems this happened all too often in communities like ours, right now there are XXXX empty foreclosed homes on my block ... I do n't want to be the XXXX XXXX. I must speak out and fight on with this because I know I am not the only one who has been victimized by Chase Bank like they, and they need to be called out on it. I simply want to keep my home of XXXX years and for them to honor the terms of the first modification agreement they offered. I am asking for any assistance that you can give in this matter, please feel free to contact me so I can send you any documentation that you may need. Your help is appreciated, Thank you
Product: Payday loan, title loan, personal loan, or advance loan

XXXX about XXXX XXXX, gave me XXXX to transfer title, I had problems due to me being licensed in another state. XXXX XXXX
Product: Student loan

I have an XXXX XXXX account for my XXXX school loans with XXXX. The servicer has very poor response to customer inquiries, does n't allow for easy repayment of the full loan amount, does n't allow for online setup of recurring payments, sets up substantial barriers to telephone customer service with long wait times. I have multiple loan accounts and XXXX doesnt allow me to setup recurring bill payment through online account because I have " multiple accounts '' .I have personally been on hold for 4 hours without reaching a customer service representative. 

I believe a lot of these barriers are placed intentionally by this servicer. I am including a picture of the screenshot from the phone call that illustrates the extraordinarily long wait times.
Product: Mortgage

Requested a loan modification 3 times working with a community organization. The note holder also paid HOA fees in the amount of {$13000.00} and demanding unreasonable repayment options. The note holder also refuses to reduce the interest rate of 6.50 %. 
This company I believe is trying to make it almost impossible to stay in my property I purchased in 2004.
Product: Credit card or prepaid card

I was recently made aware of an upgraded credit c ard ( Metal Card ) Capital One i s   offering to SOME of their customers. An associate of mine received this card after hearing about this new product. He reached out to Capital One and after speaking with a few employees an exception was made and they provided him with a new metal card. We both have Capital One Venture cards so he prompted me to connect with Capital One to to get the new upgraded card. I 've had issues with my Capital One card bending and not working with some merchant : therefore, I was very interested in this new product they were offering.
Today, I reached out to Capital One to receive   an upgraded metal card and  was told several different stories why I do n't qualify for this card. I was told there are two types of Venture cards, Type I and Type II. Unfortunately, I ha ve the wrong type. After escalating, I was told it is only for new customers and not existing customers. I told supervisor  XXXX   ( I.D. #   XXXX  ) my associate has been a customer for over  two years  and was not a new customer. Lastly, I was told it 's a test market and only some customers are receiving this new card at this time. At this point, I 'm not sure what to believe. I 've been a C aptial One credit card customer for 13 years ; however, I 'm not receiving the same benefits as my associate and other Capital One customers. I 'm not sure how they are selecting their " test '' population, but in today 's banking environment you can not be too careful with UDAAP violations. I sincerely hope their decision making is n't based on race/ethnicity, income level 's or some other unjust criteria. Please help me receive the same benefits as other Capital One customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not consent to authorize the following inquiries nor do i have an account with the listed persons.
Product: Credit card or prepaid card

Well I was notified the credit card was closed thru XXXX. I went to the App for the credit card and it said the account was closed. I never closed it and didn't want it closed. I called the company of the credit card thins morning and was informed that they closed it cause my credit score dropped for last few months and that they could not keep the account open cause I was a credit risk. I was always paying the bill and mostly paying double the minimum each month and was in good standing over the last year I had the card. I feel as that was deceptive cause of them closing only cause of my credit score. That tells me they were pulling my credit monthly if the saw it dropped each of the last few months. 

The credit card company is Synchrony Bank. The card was thru Pepboys but issued by Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents, i did not initiated this inquiries.
Product: Debt collection

I have received multiple calls from Credence Resource Management regarding a debt with XXXX that I did not owe, even after explaining to them the debt wasn't mine. 

The company allegedly showed a debt in the amount of {$560.00} for service at an apartment building I hadn't lived at for 5-6 years and that prohibited installing satellite dishes on its roofs. After I explained this to them, they claimed to have removed my telephone number from their records, but they did not. I received several calls from the date they claim to have removed my telephone number ( XX/XX/XXXX ) until the date I submitted a complaint with the XXXX XXXX XXXX ( XX/XX/XXXX ).  Whenever I have spoken to a representative from Credence Resource Management, I advised them I haven't ever had XXXX at that address or any address and that the years of service in question ( mid XXXX ) were after I had moved out of that apartment. Each time, the representative advised he or she would remove my number from their records, but they didn't do that until I spoke to a supervisor advising I had spoken to XXXX and they confirmed I have never had it at any address. 

Credence Resource Management has also claimed to have sent me written proof of the debt in question, but I have never received it, and they have yet to request my current address to comply with their legal requirements. Additionally, if the debt in question was incurred in mid XXXX, they failed to comply with the law by waiting until XX/XX/XXXX to say they sent me validation of the debt. 

Furthermore, they advised me to file a police report for identity theft during one of my final telephone calls with them. However, the debt in question never appeared on my credit report, where I have automatic reporting updates with any change in said report. As such, it makes no logical sense to file a police report for identity theft when there is no proof my identity was compromised. 

Credence Resource Management has apologized through my XXXX  complaint, but maintains they have done nothing wrong. In my research on the matter, I have determined they have violated federal law at least once with their attempts to collect a debt the company for which they claim sent them the account to collect upon advised I did not have an account in the first place. 

I have attached a copy of my XXXX complaint for your reference.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I attempted to send a PayPal payment to my wife, XXXX XXXX. When I entered her name in PayPal 's website it came up, I sent a payment of XXXX to her. I asked my wife if she received the payment and she stated she had not received anything. I got back on to PayPal website and realized that there was another person with the exact same name as my wife and the other person is who the money was sent to. I immediately contacted PayPal to see what I could do, they suggested I cancel the payment but that did not work. They suggested I stop payment the transfer through my bank which I did but PayPal used my debit card after the payment was denied using my checking account information. Now because PayPal is just a payment processor my bank will not help me get my money back. I attempted to contact the person the money went to in error but have received no response.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A States I have a right of privacy.

15 USC 1681 604A section 2 it also states a consumer reporting Agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

In accordance with the federal credit reporting act this creditor has violated my rihjt under 15 usc 1681 section 602 states i have the right to privacy,15 USC 1681 section 604 section 2 also states that a consumer reporting agency can not furnish an account with my name without my written instruction, under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit report or plan as late for any reason or purpose.
Product: Credit card

I 've recenlty been a victim of a preditory loan. I purchased a bed from XXXX XXXX in California and with it came a promotion for 2 years 0 % APR. During those two years I made regular payments on the credit card through Synchrony Bank and also requested e-statements rather than paper bills each month. I never received an e-statement in my email, which on their website it says I was to be receiving e-statements, but they made sure to take out payments from my bank each month. Recently the 2 year 0 % financing period ended and they charged me 30 % APR deferred interest on the original purchase amount not on the remaining balance. Prior to the expiration date I never received a notice informing me of the upcoming expiration date and since I was not receiving the statements in my email, I missed the expiration date. I had to sign into my account and check on the status of the account, and it was then I noticed an interest charge of over {$1100.00}. I called their customer service and asked if I could just pay the remaining balance today and be done with the card and not be charged the incredibly high interest charge, especially since this was something that happened about a month ago. The account manager was immensely unhelpful, and when I asked to speak to her manger she took down my number and said they would call me back within 72 hours. At this point I would like to get this resolved as soon as possible since they will continue to charge me % 30 APR until I pay off the card.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and the company TransUnion is reporting an account in the name of XXXX XXXX XXXX # XXXX. The account has information, a lot of incorrect information. I requested investigation, re-investigation and made a complaint through this page CFPB XXXX. I got the results of the " re-investigation '', but they continue to report incorrect information, which is hurting my ability to obtain credit, I add evidence. It is indicated that it was verified as accurate and updated, but there is information that has never been updated such as payment history. They are showing a late payment of 120 days on XX/XX/2022, but there is no data for the previous months. How TransUnion can report information without complete data. The law indicates that information must be verified as correct and updated or deleted. Reinvestigate that information and if it is not possible it should be deleted. I have the right to have my report be 100 % correct, something that is not being completely fulfilled.
Product: Vehicle loan or lease

The company wilshire consumer credit gave me a loan but then after late payment two different times they repossessed my car sold it at auction wouldnt let me have my belongings inside car before they sent it off to be sold then got the money for the sale and still charging me for the whole loan and interest Ive requested them to fix this many times but no luck even getting a explanation
Product: Checking or savings account

I called in Abt my XXXX check I received and didn't cash. I called u guys bck and informed u tht I didn't cash it. And y'all said tht you send me another check out and I haven't received it yet. And it's been 5 months now
Product: Checking or savings account

We booked a trip to XXXX with flight and hotel includes. Flights were from the XXXX to the XXXX of XXXX, XXXX XXXX Confirmation # : XXXX. On the XXXX I tried calling to confirm our flights with XXXX and the line was disconnected. I tried emailing them and nothing, after that I called the hotel the flights and it turns out that XXXX has cancelled all the reservations without any notice. Now I don't know how to contact XXXX to get my refund. I looked online regarding this matter and everyone who booked with XXXX is going through the same problem, so I decided to open a claim with my Bank of America because XXXX won't be giving me my money back. Total amount of the trup was {$2800.00}. It was split into mulitple mayments. My bank refunded me {$1700.00} and said the rest i can't do anything about it that i will have to go through a third party. Looking for help to get my payment back to me. Thank you! 
Payments listed below. 

XXXX {$190.00} XX/XX/2020 {$440.00} XX/XX/2020 {$440.00} XX/XX/2020 {$440.00} XXXX {$440.00} XXXX {$440.00} XXXX {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have submitted TWELVE ( 12 ) WRITTEN disputes with all XXXX major credit bureaus ( XXXX, XXXX and TransUnion ) multiple times with NO response on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Certified Mail ) XXXX XXXX XXXX XXXX I even sent the letters via Certified Mail on XX/XX/2021 and it shows the letters were received by each individual credit bureau yet I STILL have not received any responses to my Dispute requests. There are multiple Errors on my Credit Reports and after MANY attempts, they will not help me or respond to my written disputes.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report. Thank you. 
XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$830.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX