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

My score was lowered XXXX XXXX. I called to determine why with my credit card company. The agent said I had to speak with a different department. After I was transferred, I realized I was speaking with a Transunion agent. I asked for an explanation in the lowering of my credit score. The explanation was that I had a big balance and one inquiry on my report. However, prior to being transferred, my credit card company confirmed my payments have been made on time in previous months. Therefore, the statement on the big balance was incorrect. So, I asked the TransUnion agent for a better explanation. The agent was unable to provide me with an answer and the agent refused to allow me to speak to a supervisor. At this point in the call, I requested at least 5 more times to speak with a supervisor and my request was denied. The Transunion agent gave a closing statement and terminated the call.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666b A CREDITOR MAY NOT REPORT A LATE PAYMENT ON A OPEN ENDED CREDIT ACCOUNT AS LATE FOR ANY PURPOSES. PLEASE REMOVE ALL LATE PAYMENTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I FILE A COMPLAINT WITH CFPB WHICH YALL STATES : XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, CHARGE OFF AMOUNT, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY We hope this resolves your concerns. 
THIS DOES NOT RESOLVE MY CONCERNS AS AGAIN under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. PLEASE PROVIDE PROOF OF SUCH WRITTEN INSTRYCTIONS OR REMOVE LATE PAYMENTS ASAP!!!!
Product: Money transfer, virtual currency, or money service

I was scammed for an online remote job. Scammers had me transfer {$4000.00} through PayPal and then redacted the money they sent.
Product: Credit reporting or other personal consumer reports

hello back on XX/XX/23 a letter was sent to XXXX disputing some information reporting to my credit that is not accurate. I was advised that a payment was late for this creditor and have not been advised the outcome of my dispute
Product: Debt collection

On XX/XX/XXXX we called Bank of America from XXXX XXXX XXXX to get my credit card number and pay off amount so that I could do a balance transfer. I was told by XXXX that our pay off amount was {$14000.00} so XXXX at XXXX submitted the balance transfer for us. Now Bank of America is trying to collect an additional {$260.00} from us. Today XX/XX/XXXX I called and talked to XXXX XXXX who told me she saw in the records that we had called and were told to call back when the balance transfer posted so that Bank of America could waive any fees that may have happened during the balance transfer transaction. WE asked to talk to a supervisor XXXX handed us off to her supervisor XXXX XXXX who then tried to collect the {$260.00}. We told her that we were told the fees would be waived. She then told me she would need to call me back.
Product: Money transfer, virtual currency, or money service

I have been trying to close my PayPal account for almost two weeks now, and I keep getting the runaround from customer service. There are no open transactions. PayPal is intentionally stalling the closure of my account because it is bleeding accounts as thousands of people are also cancelling. Please help!
Product: Student loan

I have called and messaged Nelnet Student Loans multiple times regarding the possibility of my loans being eligible, in part, due to their status of 20-25 years active. I have been trying to contact them for a least a year and have received no response to email messages and have sat on hold for up to 4 hours waiting to speak to someone.

I want this discussion to be had because I do not want to miss my opportunity to have a portion of my loans forgiven per the federal mandates that have been enacted.
Product: Credit reporting or other personal consumer reports

I disputed with XXXX XXXX, XXXX the balance of a loan in a certified letter that in XX/XX/XXXX. In my letter, I asked for a 1099-OID and W-9 coupon if a discharge/set off was done and indicated that this should be deemed as a Tax Credit to the company. I received a correspondence where they responded to my letter and marked on their correspondence that " I do not owe. '' I did not receive any additional documentation from XXXX XXXX after I responded by with a certified mailing. However, I called and spoke with a representative in XX/XX/XXXX and was told that my account had been listed as " No contact. I thought the matter was resolved. 

In XX/XX/XXXX, XXXX XXXX XXXX reported a " charge off/write off '' on three credit agencies ( XXXX, XXXX XXXX XXXX and XXXX ) with a date of XXXX for {$9600.00}. However, the XXXX Credit report also indicated the loan was also sold to CKS Prime Investments in XX/XX/XXXX. If the XXXX XXXX loan was written off, it should not have been sold as well with the consumer being responsible all over again. This is fraud. 
XXXX XXXX also gave CKS Prime Investments all of my Private Information without my consent or permission. CKS was given my social security number. DOB, phone number, email address, etc. I have not signed any contract or any agreement with CKS. XXXX XXXX has stolen my identity. I have filed a police report. 

XXXX XXXX  inaccurate reporting and release of my private information without consent has damaged my credit further and caused financial harm and limitations.
Product: Credit reporting or other personal consumer reports

The No Disclosure Without Consent Rule No agency shall disclose any records by any means of communication to any person, or another agency, except under a written request by or the record pertains a subject to 12 exception 5usc Section 552 a b. Under the Privacy Act Disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual subject to twelve exemptions USAA I have sent in several disputes to your agencies and CEO to fix the error that you have been reporting on my credit file there should be no more time given to fix this! You violate copyright infringement if you do not stop reporting on my consumer report and correct and remove all derogatory information by deleting all information permanently I will take you to federal court and sue you for XXXX.
Product: Consumer Loan

On XX/XX/XXXX, I took out a line of credit through Synchrony Financial in order to purchase a new mattress. I committed to making a {$200.00} payment each month in order to pay off the loan before the promotional period of deferred interest/no interest ran out. I made a {$200.00} payment after receiving my bill in both in XXXX and in XXXX. In XXXX, my statement arrived after the bill 's due date of XX/XX/XXXX. I believe the statement was mailed late on purpose in order to charge me a predatory late fee of {$27.00}. 

On my XX/XX/XXXX statement, the late fee appeared with a past due amount. I made a {$400.00} payment in early XXXX ( for my XXXX and XXXX payments ) but instead of paying off {$400.00} toward my balance, {$27.00} went to pay the unfair late charge. I enrolled in Autopay after this incident because I no longer trusted the company to mail my statements on time.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$720.00} charge-off with XXXX XXXX XXXX XXXX 
After disputing this account with XXXX, their investigation was completed on XX/XX/year>. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information. If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the credit
reporting agency to delete it from the consumers credit file.

Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA. 
Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages.

To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from XXXX regarding the deletion of the account. 
Please confirm in writing that this account has been deleted from my credit report or provide a detailed explanation of your investigation findings. I expect a response within the time frame outlined by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : 1. Copy of confirmation from XXXX regarding account deletion 2. Copy of my credit report showing the disputed account ( if applicable ) 3. Any additional supporting documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX, trans union, and XXXX also any other involved party whom has been misusing my personal information to create fraudulent accounts under my name. 
Ive been checking my credit reports since my identity was stolen back in 2013 my ID and wallet was stolen from my ex girlfriend car while I was in the hospital checking on a family member. I have advised both all XXXX  credit bureaus and the companies involved of my identity theft and me not authorizing any new accounts but they keep taking them off then re add the same account using another company and new date its very unprofessional and damaging my credit report causing me everything I have work on please fix this
Product: Credit card or prepaid card

On XX/XX/2023, I purchased XXXX garbage bags packs for {$850.00} from XXXX to be delivered in XXXX, and it seems the company is called elite electronics, but I am unsure as a lot of this is fake since they are scamming and not going by real names. A few days later I received a bogus tracking number, which XXXX confirmed over the phone, came from XXXX ( i didnt purchase from XXXX XXXX and was going to somebody else ( they wouldnt tell me who since it was a different address and name ). I disputed the charge and waited to hear back from Chase. A few weeks later I get an email from chase saying to open the letter on my account, but I was checking my personal account for the letter, since it wasn't being specific about which account to open. I called chase and asked and they told me to ignore because it was an error. Eventually I see I was rebilled for the {$850.00} so I called Chase on XX/XX/2023. They explain to me that they tried to call me twice and left a voicemail ( I didnt get any ). They tell me that since I didn't answer they closed the case and can not reopen it as too much time has passed and the other party provided a tracking number which says it was delivered to the same city ( I told them I dont live in the entire city, I have a specific address and UPS confirmed it wasn't delivered there based on the tracking number provided ). I explain to them I never got the product and it was scammed but theyre unwilling to open the case. I never received any written communication about this or anything. I was also under the impression that my purchases were protected and that is why I got the credit card in the first place. In my fury and in hopes of using the closure of my account to persuade them, I asked to be transferred to someone who can close my account. They transfer me and the person asks me why I want to close my account. I tell them why in hopes that they want to retain me as a client and willing to work with me. Instead without warning or explanation of any consequences my account is immediately closed. I lost about ~ {$1000.00} worth of credit card points that I had no intent of giving up. I was never told this would happen if i closed my account, I was never warned about anything, just suddenly closed. Chase obviously didn't do their due diligence here, it is required by law that they do proper due diligence which includes calling XXXX and confirming this information, it also includes checking proofs of delivery and not accepting the same city to mean the same address, also means matching signatures of buyer and person who accepted the package.
Product: Debt collection

The collector From D2 Management was very rude and pushy. He was trying to bully me into paying a balance from an " old '' payday loan. I asked for validation of debt. He told me that I didn't need it. I told him I was at work, he told me I had to handle this now. 
He did not say This is an attempt to collect a debt. Told me they would sue me if I didn't handle it.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of XXXX XXXX. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

I checked my credit report and reported XXXX delinquent accounts with AFFIRM. I have never used AFFIRM. I called them immediately the representative told me it was nothing they could do and to dispute it through experian. Experian efforts to get this resolved has been unsuccessful. Every account on my credit report a has never reported delinquent. AFFIRM confirmed I dont have an account with them. I sent the email to experian through upload and still no success this is causing a problem due to dropping my credit score and reporting incorrect information. Both AFFIRM and XXXX are at fault.
Product: Debt collection

I owed XXXX XXXX for equipment I mailed it all back and paid the final bill the collection agencies will not take it off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXX ( collection ) date opened XX/XX/XXXX Account # XXXXXXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXX First XXXXXXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX date opened : XX/XX/XXXX Has violated my rights .please investigate these accounts 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. Please show proof of written instructions by me.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am reaching out urgently to address a serious issue regarding fraudulent inquiries that have emerged on my account. Despite my persistent efforts to resolve these fraudulent inquiries, the matter remains unresolved. These inquiries are fraudulent and have caused me significant concern and uncertainty regarding the security of my account. 

I want to highlight that I have taken the step of filing a report with the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries, underlining the severity of this matter. Despite my diligent efforts to address the issue, the fraudulent inquiries persist, which is deeply troubling. 

I kindly request that your team takes immediate action to thoroughly investigate and remove these fraudulent inquiries from my account. I expect a swift response detailing the specific steps your company will take to address this fraudulent activity, along with a clear timeline for the removal process. 

Additionally, I urge you to conduct a comprehensive review of your inquiry tracking systems and security protocols to prevent similar fraudulent inquiries from occurring in the future. Ensuring the integrity and accuracy of customer information is crucial in maintaining trust and confidence in your services. 

Failure to resolve this matter satisfactorily may require further action on my part, including seeking assistance from regulatory authorities or legal counsel. However, I am optimistic that with your cooperation, we can resolve this issue efficiently and amicably. 

Thank you for your immediate attention to this urgent matter. I await your prompt response and action regarding these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have recently checked my credit report for TransUnion and noticed there was an unauthorized hard inquiry stamped onto my credit report. Subsequently, I directly called TransUnion in terms of knowledge upon this account and they were explicit about receiving a letter from the creditor itself upon requesting removal. This hard inquiry has been discovered without my full consent and would immediately need to be removed from my credit report as there has been no position in place of an account I currently have not inquired about. 

Inquiry Name : XXXX XXXX XXXX XXXX
Product: Mortgage

I recently had an offer accepted on a house and started the mortgage process. The house is in historic XXXX XXXX. in PA, and was originally a bank barn that was later converted into a house. I chose PennyMac for my mortgage process since I was already an existing customer. After accepting an offer on my current home and after PennyMac received the appraisal on the new home, they denied my mortgage application because, even though there was an appraised value, it was " not the type of home XXXX deals with. '' They later said that the reason was because it was labeled as an " earth berm home '' and that I 'd have trouble getting a loan from anyone that deals with Fannie Mae. 

I researched the issue at XXXX 's website and found the exact opposite to be true. They do not have any issue with berm homes so long as there is an adequately appraised value. After contacting PennyMac again, I was told that they misspoke and meant to say that it was a PennyMac overlay and not a XXXX guideline. 

I asked to speak to a supervisor at this point, and on the phone, I was told that it had nothing to do with the fact that it was labeled as a berm home, but rather that the appraisal was full of language stating that the property was so unique that it would be difficult to sell in the future. Living in the area, I know this is a poor assessment. At this point, I still do not have my appraisal documentation so I can not verify the actual language used that is in question. 

Following that phone conversation, I then received my official mortgage denial letter. The reason stated was, again, that the house was a " berm home '' and did not meet " page XXXX '' of XXXX 's guidelines. 

The reason for my mortgage denial, I feel, is being sorely misrepresented. They have given me wildly incorrect information that had a great potential for ending my attempts to purchase this home had I not done due diligence in verifying their claims. I am currently working with a new mortgage broker to try and salvage the attempt to purchase my new home.
Product: Credit card

Every month charged interest when the purchase balance from the previous month is LESS then the payments made. Paid more each month than previous charges. The average daily purchase balance is Wrong. Its seem Chase Freedom is lumping the Promotional Balance Transfer offer, 0 % interest until 2016 into the Average Daily purchase Balance. Which is therefore charging interest. 
Interest should only be charged on the new purchase balances only, not the promotion balance transfer offer amount. The balance transfer offer is separate than purchase balance. What is a promotional XXXX percent interest on balance transfer if your now charging thebalance into the average daily purchase balance with recurring purchases? 

Was I supposed to not use the card while I paid off the balance transfer? That was never told to me. NO other credit card does this. NOT Fair, very misleading. Even the statement shows the sections separate, as Purchases, Balance Transfer, and Cash Advances. How can you then lump it into the Purchase average balance?