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

I found out in XXXX that my Khol 's charge card was delinquent. After investigating further my wife noticed that on XX/XX/XXXX a payment of {$70.00} was paid through our XXXX  XXXX XXXX online banking checking account but, was posted to the wrong account. This resulted in Khols not receiving payment and negatively reporting to the credit bureaus that In XX/XX/2019 I was 30 days late. After contacting XXXX  XXXX XXXX they quickly figured out that the payment had posted to the wrong account and never got posted to my Khols charge. They stated it was a glitch in Their system. They mailed a letter stating this and asking that any negative reporting be removed by Khols on my credit report. I contacted Khols and was told to submit all documentation to the Cooperate office and that was the only way to reach the Cooperate office. I also did a XXXX search and emailed 3 people whos names appeared at the Cooperate office of Khols. I also disputed this twice with all three credit bureaus. Most recently XXXX  thought I was disputing XXXX  XXXX  XXXX and unnecessarily opened a dispute up for them as well as Khols. I spoke with them today XX/XX/2019. They also told me that there were two disputes for Khols and that Khols deleted an old account as a result of the dispute. This account was never late and closed for over a year. It had nothing to do with my dispute on my account ending in XXXX. I also received notification from XXXX. They didnt dispute Khols but, put in a dispute for XXXX  XXXX XXXX again, this was well documented and not a dispute with XXXX XXXX XXXX. This is the only negative mark on my credit report. Khols stil has me reported as 30 days late for XXXX and still has my last payment listed as XXXX when in fact I paid off this account in XXXX after finding out I was delinquent. I want Khols to update all three credit reports to reflect that I was not 30 days delinquent in XX/XX/2019. Khols removed an old account off of my credit report that was not the one in dispute or reported as negative. XXXX  XXXX XXXX is my checking account that all bills are paid from online. They had computer glitches and offered a letter to Khols explaining that a payment on XX/XX/2019 had been paid of {$70.00} but did not get posted to the right account. Please see documentation attached. Also, XXXX  and XXXX  made mistakes with my dispute by opening up disputes with XXXX XXXX XXXX. Causing the dispute to be prolonged and an unnecessary dispute to be put on my credit report. The more time as gone by the more it is affecting my credit. 
Thank You for you help with this matter! 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was charged XXXX by a company called Bright Money that I never used. They stole my money and I will provide more details if need be but this is a fraudulent company and as I read from personal testimony has stolen money from a lot of other people as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I began working with a credit counseling agency ( XXXX XXXX XXXX ) to renegotiate the terms of my XXXX business card. XXXX XXXX Policy on business credit cards is they don't report consumers delinquent or defaulted until the account is 60 days past due. The credit card payment was due XX/XX/XXXX. According to a representative I spoke with at XXXX, the credit card account would not have been 60-days past due until XX/XX/XXXX. In the interim, I was informed direct all payments to XXXX XXXX which they would then submit the payments to XXXX. 
The first payment was deducted from my checking account by XXXX XXXX on XX/XX/XXXX, in the amount of {$220.00}. I received numerous calls from XXXX during the month of XXXX. I told XXXX, I had begun working with a credit counseling agency. As I received more calls from XXXX, I contacted XXXX XXXX in regards to my account with XXXX. XXXX XXXX first stated, They were waiting for XXXX to approve my credit counseling plan. On XX/XX/XXXX, I contacted XXXX XXXX again because I was still receiving correspondence from XXXX. XXXX XXXX stated, They were waiting for a full months payment to submit the debt management plan to XXXX. They instructed me to disregard correspondence from XXXX. As of XX/XX/XXXX XXXX, XXXX had already deducted {$470.00} from my checking account and XXXX hadnt received any payments from them. The monthly payment determined by XXXX XXXX is {$450.00}. 
At this point, I began to get concerned XXXX XXXX was not being candid about the agreement with XXXX and was going to end the relationship. On XX/XX/XXXX, I received a letter from XXXX dated XX/XX/XXXX stating they accepted the payment proposal from XXXX XXXX. The letter also stated that they must receive a payment of {$450.00} by XX/XX/XXXX. The letter further states that all payments are to be made to XXXX XXXX and any direct payments scheduled to XXXX canceled. The first payment was made from XXXX XXXX to XXXX on XX/XX/XXXX. 
This resulted in XXXX reporting me 30-days delinquent in XXXX, 60-days delinquent in XXXX, and 30-days delinquent in XXXX. I tried to resolve this matter with XXXX and with XXXX XXXX. XXXX XXXX informed me on XX/XX/XXXX, that the debt management proposal wasnt actually submitted until XX/XX/XXXX ; three weeks after XXXX XXXX told me they were waiting for XXXX to accept the proposal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a new home. In order to raise my credit score I have paid off my major credit cards. On XX/XX/XXXX I paid off my balance of {$5000.00} on my XXXX XXXX card. They are SO quick to report to the credit bureaus when a card is maxed out but if you pay it off? Well my statement date of XX/XX/24 has come and gone and it is still impacting my credit score ... raising my home interest rate by 1 % point. I have tried to contact the company to no avail. XXXX took care of this right away. My score would go from XXXX to a projected 748. This is ridiculous.
Product: Credit reporting or other personal consumer reports

I appreciate the time taken to address the fraudulent entries in my file resulting from alleged fraudulent activity. However, there remain outstanding items that require attention. Upon reviewing my updated personal credit report, I observed unauthorized credit inquiries and erroneous personal information persisting. I have already contacted the respective companies to request the removal of these inquiries from my credit profile. Furthermore, I previously requested an investigation into the inquiries listed below on my credit report. I understand your investigation has concluded, confirming my allegations. Therefore, I kindly request the removal of these unauthorized inquiries and the issuance of an updated credit report reflecting their removal. Please send the updated report to the provided address : XXXX : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- XXXX XXXX -- XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- XXXX -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. As per the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days, along with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a statement from the consumer confirming that the information is not related to any transaction made by the consumer. I will provide my Driver 's License, SS ID, and Proof of Billing as verification of my sole address, along with my new FTC report # XXXX.
Product: Money transfer, virtual currency, or money service

Following the closure of case CFPB Case id # XXXX and beyond the feedback due date, I received an advisement from Synchrony Bank XXXX XXXX XXXX that this entity characterized their refund activity as cancellation of debt. 

After speaking to accountants, my position is that I should immediately object to cancellation of debt because the original activity was unauthorized and perhaps fraudulent. In my case this closing activity is not normal forgiveness of debt which is a taxable event, per my accountants. 

I hereby request the CFPB to contact the Synchrony Bank to request that they re-categorize this history so that XXXX XXXX does not receive a 1099 from the bank which he and his accountants feel he does not deserve. All of the circumstances, including no printed statements for one, support XXXX XXXX assertion. 

XXXX XXXX maintains his XXXX account and is in good standing on other accounts with Synchrony Bank. Thank you for your time and consideration. 

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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I have a new collection from debt collection agency XXXXXXXX XXXX in the amount of {$1700.00} from original creditor Web bank which owns the XXXX credit card. 
I did have this credit card back in XXXX. The initial credit line was {$500.00} and I have had issues with fraudulent charges. I am enclosing the one that was investigated through the XXXX and XXXXXXXX XXXX XXXX department and deemed as fraud. 
I also have been a victim of identity theft which has been made aware to this company, XXXX XXXX  as well as others I have submitted claims for. 
Once that initial fraud came back in 2022, I immediately closed the account and paid down the balance which at the time was less than {$200.00}. 
Now, years later in the midst of my identity theft crime, this account has been sent to collections with a {$1700.00} balance. 
I did not authorize any more use of that account, and once it was closed it was obtained fraudulently. 
I am not responsible for this and am asking for XXXXXXXX XXXX and the original creditor Web bank to recognize this and immediately cease collections attempts and reporting on my credit file.
Product: Credit card or prepaid card

Chase said I benefitted from purchases I didn't make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MADE A NUMBER OF ATTEMPTS FOR EQUIFAX TO REMOVE A ERROR ON MY REPORT OVER A YEAR AGO, AND THEY REFUSE TO REMOVE THE ERROR. I DISPUTED A BANKRUPTCY AND A NUMBER OF ACCOUNTS ALSO INQUIRIES ON MY EQUIFAX CREDIT REPORT AND THEY DIDNT INVESTIGATE THE ERRORS, THE BANKRUPTCY CASE # XXXX I AHVE DISPUTED WITH EQUIFAX AND THEY TOLD ME IT WAS VERIFIED BY XXXX, WELL XXXX FOR THE PASS YEAR SENT ME LETTERS SHOWN ME THAT THEY REPORTED THIS AS A ERROR TO EQUIFAX MORE THEN 7 TIMES, EVERYTIME I DISPUTE THE ERROR EQUIFAX TELL ME THEY VERIFEID THIS WITH XXXX WELL THIS CANT BE TRUE XXXX SENT EQUIFAX LETTERS TO REMOVE THIS BANKRUPTCY AND YET EQUIFAX HAS NOT ALSO ACCOUNTS AND INQURIES. 

Bankruptcy # XXXX ( NEED TO BE REMOVED DUE TO ERROR XXXX HAS CONTACTED EQUIFAX A NUMBER OF TIMES TO REMOVETHIS BANKRUPTCY ) XXXX XXXX  ( OPEN, NEVER LATE, XXXX BALANCE THIS ACCOUNT IS ACTIVE NOT CLOSED ) THIS ACCOUNT SHOULDNT BE REMOVED BUT UPDATED XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS, ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and must continuously monitor my credit as there continues to be fraudulent accounts on my credit file. The fraudulent items are 2 XXXX  accounts, XXXX BankXXXX XXXX account, XXXX XXXX XXXX  and 2 XXXX XXXX accounts. These accounts were not authorized by me and are fraudulent.
Product: Credit card or prepaid card

In XXXX of 2020 I completed a balance transfer to my Bank of America credit card. I selected this card out of 6 options due to the terms and the fact that my personal checking account is with Bank of America. On my recent statement, I noticed that the balance transfer is being charged interest. My understanding going into the transfer was that my rate would be 0 % for 12 months before going to 12.99 %. I was told by Bank of America that the promotion did not exist at the time I selected it. They asked for proof, and nothing that Bank of America sent me via email had any details on the agreed upon terms, so its my word against theirs. Its unfathomable to me that this is the situation Im in. Should they not have some burden of proof to evidence that I agreed to this rate? If they had included it in the email confirmation Id understand and move on, but theyve provided zero proof and told me too bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting me as 30 days late on the XXXX/XXXX partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the two bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent hard inquiries on my credit report that I did not authorize on my XXXX credit report. I reached out to the creditors and they refuse to do anything about it even though I've told them it's fraud. I also reached out to XXXX and they refuse to remove it as well, even though nobody can verify it. 

Hard Inquiries : XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX of XXXX - XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed this account on XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024. The debt collector did not mail any documents until XX/XX/XXXX. The documents do not match what is being reported. The documents state I had XXXX accounts and I did not. They refuse to remove the incorrect information. I paid the original creditor and was issued a refund for overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts Names and account Numbers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSON STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing ay of the following items of information, Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 9 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer-reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX 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.

TRANSUNION 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: Student loan

I've been paying on my loan forever. It keeps going back up to {$13000.00}. I have a family of XXXX and filed bankrupcy. Called the company and they gave me excuse after excuse. I also asked them about the forgiveness program nd they said I have to pay I dont qualify for anything.. I explained that the school I was going too closed down due to fraud. I shouldn't have to pay back. As I already paid the {$3500.00} I borrowed. 
We need justice and so many people are being robbed by this company. 

My account should be closed..reasons again.. 
Filed Bankrupcy Discharged Fed2018 Fraudulent School closed down I support a family of XXXX My account just was increased by {$5000.00} back to square one. 

They have everything on file as I tried getting this ressolved. 

Please help Desperate mother with faith
Product: Credit reporting or other personal consumer reports

This is my several 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
Product: Credit card or prepaid card

Synchrony has charged us late fees for numerous times even though we have send our payment way before their due date. We have confirmed with our bank that payments have always been sent at least 7 days before due date. Synchrony continuous to process the payment late and adds late fees. This is the only card we have had such bad experience. We always pay all our bills on the same date and have never seen such erroneous charges in late fees and interest rate on account that is on 18 months no interest. We have send them proof our payment has been sent to they on the XXXX of the month and the delay in processing of the payment is on their end. They do not post our payment until after the due date ( XXXX of every month ). Bank has no control how long Synchrony takes to process the payment once they send the payment to them!
Product: Debt collection

I am a victim of identity theft .This credit agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.
Product: Debt collection

Received a letter from a Debt that is time-barred, last payment was in 2004. Asking for an amount including interest and this against my rights.
Product: Checking or savings account

On XX/XX/XXXX, I received 2 alerts from my credit monitoring ( Credit Wise ) that a " New Account '' was created through Bank of America. I attempted to call and email the Fraud dept but have yet to receive any callback or emails. I was recently a victim of fraud late last year ( XXXX ) and have had to file 1 unauthorized charge already through another bank. I am about to purchase a house and can't have any new accounts on my record, especially those that don't belong to me!