23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According with the FAIR CREDIT Reporting act. XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, and XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C.1681 SECTION 602 A. STATES I have right to privacy.

15 U.S.C.1682 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I didn't give written instructions.
Product: Credit card

I have XXXX isuees with capitalone 1. I had a balance transfer for XXXX months but they started charging the intrest from same months and not reverting back. 
2 by mistake there are payments to them but they are not reverting the excess payments. I contacted to bank so many times but they put me hold for more then one hours and not reply anything
Product: Debt collection

CREDIT FILE : XX/XX/XXXX Confirmation # XXXX XX/XX/XXXX {$2200.00} dispute came back as accurate this has been paid off and closed
Product: Credit reporting or other personal consumer reports

Equifax is continuing to report an account on my credit report that is due to identity theft and fraud. The FTC and bank has investigated and confirmed that it is fraudulent and the account doesn't belong to me. It should be removed. This is for the XXXX XXXX XXXX XXXX account ending in XXXX.
Product: Debt collection

Portfolio Recovery calls me on holidays, weekends, and violates my rights by the Fair Credit Act. They have repeatedly called me before XXXX and after XXXX. They do not follow the rules. They harass me on a daily basis, even after blocking the number every time. I have proof of times that they have called by taking screenshots that were outside of XXXX. I'm sick of them breaking the law. They need to be stopped.
Product: Money transfer, virtual currency, or money service

We had a Paypal account that we used. Our credit card was linked to the paypal account along with our banking account. We hosted an exchange student a few years ago now and helped her obtain a car while in the US. We moved money using our paypal account. They froze the account and wanted a copy of our driver license and other information which we were not comfortable providing. We have requested multiple times for them to close the account, but they will not unless we provide sensitive information. If this information was not required at the opening of the account I do not believe we should be providing it at this time. There is no cash balance or anything like that it just needs to be closed to avoid any future fraudulent activity. We have tried multiple times in the past and tried again as we received an email from paypal to validate a transaction. This transaction is not something we did.
Product: Mortgage

My wife and tried to work with Bank of America ( BOA ) to get a repayment plan in XXXX XXXX, Bank of America suggest we go through XXXX. On XXXX XXXX, XXXX we went to XXXX ( XXXX ), who contacted BOA, who stated we need to a Home Modification Loan. We filed for a Loan Modification with BOA, and were told to make no mortgage payments while the Modification was being processed. This went on for XXXX months until BOA stated we need to pay the XXXX months we were past due in order to make the Modification possible. My wife file for Chapter XXXX Bankruptcy and once the hearing was completed on XXXX/XXXX/XXXX, we made our XXXX payment on XXXX/XXXX/XXXX and made every payment thereafter on a regular basis. On XXXX/XXXX/XXXX we received a letter stating that our mortgage had sold to XXXX XXXX XXXX. ( XXXX ) We made our XXXX mortgage payment to XXXX on XXXX on the phone. On XXXX/XXXX/XXXX we received a call from our Lawyer, stating we were delinquent on our mortgage payment. On XXXX/XXXX/XXXX we received Court papers dated XXXX & XXXX/XXXX/XXXX that we were delinquent and that we had a Court date for XXXX XXXX, XXXX to foreclose on our home. We immediate met with out lawyer on XXXX/XXXX/XXXX and hand Exhibit XXXX which showed our payment to BOA were XXXX months behind. 
My wife and I went through our personal bank records and pulled all the checks and bank statement starting from the XXXX mortgage payment to the current payment recently made to XXXX. As of XXXX/XXXX/XXXX we heard from our Lawyer and everything between XXXX and us has been straighten out and foreclosure process stopped.
Product: Mortgage

I had a personal line of credit with XXXX  XXXX XXXX. XXXX  XXXX XXXX sold my loan to specialized loan services. The transaction took six months to get all theAll the paperwork. So in the meantime I am paying specialized loan services, XXXX  XXXX XXXX Computer doesnt realize that I making payments to new lender. So I received from the credit bureau 90 days late. Wrote a letter to XXXX  XXXX XXXX explaining what happened, they said according to their records everything was done correctly. Now specialized loan services is also said Im 90 days late on payment. So I have XXXX in mortgages the value of the property is {$1.00} XXXX and I cant refinance because of the late reporting. 

I tried to make up the late payments and specialized loan services said Im too far behind even though I had more than half the money to make up the arrears And now with the coronavirus I have no ability to make the payments to specialized loan services which is the second mortgage now I gather. 

So by complaint is my line of credit went from {$1000.00} a month for XXXX which I paid for close to eight months and now with my credit problem Im on able to refinance my house and Looking for help.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Since I have not received response from all 3 credit bureaus, and my credit file indicated that the investigation was complete and reporting was accurate I have exercised my right under FCRA Section 611, part B, subsection ( iii ) and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) and have requested proof of the procedure of dispute. It's been more than 30 days since the last dispute and none of the credit bureaus have notified me of anything. They have also not provided me with an updated and accurate credit report. Please see attached letters that I have sent to the bureaus. Thank you.
Product: Vehicle loan or lease

XXXX XXXX. And I believe my right as natural person are being taking advantage of by this car company. They have harassed me every day since I fell behind in covid19 pandemic. I've paid portions the best I can ask for help nothing from government agencies. Santander consumer credit is the name of company that's harassing me every day they say I owe XXXX I believe it's less. Please help if possible thanks.
Product: Credit card or prepaid card

On XX/XX/XXXX I entered into a sales contract with LazBoy Furniture Galleries located at XXXX XXXX XXXX in XXXX, AL.As required, I paid a {$4500.00} deposit. 

My furniture was delivered on XX/XX/XXXX. I became aware of a discrepancy in billing when I received my first statement from Synchrony Bank on XX/XX/XXXX. Later in the day, I contacted Synchrony and filed a dispute. 

On XX/XX/XXXX, I contacted both the local store and the credit card company via fax and provided them with copies of the attached documents. 

Later in the day, the store manger contacted me and stated that he disagreed with my complaint. 
As of today, neither the local store nor Synchrony has resolved my dispute.
Product: Credit card or prepaid card

I am not receiving the rewards points as advertised on roughly. For some reason they stopped after XXXX. I have made 4 phone calls and sent 4 emails. The Citi bank online chat is never answered, I have tried 7 times. 

They really don't seem capable of figuring out where {$1200.00} worth of points are.
Product: Credit reporting or other personal consumer reports

The information about my names are wrong in my credit report. 

The following names need to be removed from my XXXXXXXX XXXX : NAME ID # XXXX Name ID # XXXX Name ID # XXXX Name ID # XXXX Name ID # XXXX Name ID # XXXX Name ID # XXXX Name ID # XXXX. 

My only correct name is : XXXX XXXX XXXX XXXX.
Product: Mortgage

In XXXX I received a XXXX Mortgage from XXXX XXXX in XXXX it went to Green Tree LLC which was crazy They lied harassed and tricked me into all kind of stuff at that time I had no idea then it went from Green Tree to Conseco to Green Tree back to Conseco which I thought was odd something happened along the lines because a XXXX mortgage from XXXX, is now still going in XXXX and is only down to XXXX so Im 25 years Ive only paid down the loan XXXX there is something very wrong with this I am owed a lot of money and my house should be paid off
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent the following Accounts XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$52.00} Original creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XX/XX/XXXX {$440.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} Original creditor name 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Venmo account temporarily frozen on XX/XX/22. Upon following up, I was told that they could not tell me why my account was frozen nor when it would be unfrozen. Further, the team in charge may only be reached by email. Not even other customer service reps may communicate with them over the phone ( strictly, email ). I have received no messages, emails, calls, etc. from the frozen account team since the initial notification on XXXX. I have followed up multiple times, daily, since then. But to no avail. I am told the same vague answer- over and over : they cant tell me any details. In the meantime, they are holding over XXXX of mine and I am absolutely unable to pay any bills, buy any food, fill my car up with gasyou get the idea. I am with no resources because they are holding them hostage and refusing to tell me why. What do I do?!?! Please help!
Product: Credit reporting or other personal consumer reports

Checking my credit report, I noticed irregularities with two accounts in charge-off status under the name SYNCB. The report itself indicates that these accounts were considered losses by the company ; however, they remain on my credit history, which has only negatively affected me. These accounts are presenting consistency errors with the three credit bureaus. These inconsistencies include data such as reporting dates, last activity, opening dates, and high balances. All of this led me to dispute this information directly with them, but they did not respond to my requests to validate the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that account XXXX XXXX # XXXX was properly investigated, but how is that possible if the account number is inaccurate, the high balance is inaccurate the date of last activity is inaccurate, closed date is inaccurate and late payments are inaccurate. This ground for removal they have also violated my rights under 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX XXXX Account that was DISMISSED BY XXXX   DISTRICT COURT OFFICIALLY XX/XX/2019. 
BUT, XXXX XXXX is STILL reporting that the ACCOUNT was updated XX/XX/2019 and THAT IS NOT CORRECT! 
The amount reported by the company is INCORRECT as well. 
Furthermore, I had paid the ACCOUNT OFF ENTIRELY XX/XX/2019 VIA PHONE in the AMOUNT OF {$1200.00} to a manager by the Name Of XXXX. I was mailed my FINAL RECEIPT. I have that as well. PLUS the PAPERWORK FROM XXXX DISTRICT COURT. I've went to the location MULTIPLE TIMES, spoke to staff including the manager I made Payment to via phone. I ALSO contacted the customer service department and spoke to NUMEROUS customer service representatives. Made multiple complaints, even emailed an employee my documents from XXXX District court. 
Ive ALSO UPLOADED THESE SAME ITEMS TO EXPERIAN MULTIPLE TIMES AND CONSTANTLY DISPUTED THIS WITH THEM AND YET THEY FAIL TO REMOVE THIS ITEM FROM MY CREDIT REPORT. 
THE AMOUNT OWED IS WRONG. 
THE DATE OF LAST PAYMENT IS WRONG. 
THE LAST UPDATE ON THE ACCOUNT IS WRONG. 
THE ACCOUNT HAS BEEN DISMISSED BY XXXX  DISTRICT COURT. 
The account has been disputed multiple times and still isn't accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a total of 5 letter to TransUnion regarding inaccurate information on the credit report. I have asked them several times to remove the XXXX Late payment from my credit report. They have failed to do so and completely IGNORED my request. They haven't updated my account in regards to the request. This is a VIOLATION as it has been FIVE months of trying to get this payment removed. Transunion is the ONLY bureau reporting the payment as late. If they did PROPER verification then it would be the same between all three bureau. A CLEAR violation. I also requested for them to remove addresses from my credit report that is inaccurate and they IGNORED my request. I will also be filing a complaint with the FTC and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XX/XX/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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, there are unauthorized accounts and inquiries on my credit report. In accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ), I request that all the following accounts and inquiries be immediately blocked and deleted from my credit report.

Accounts to be Blocked and Deleted : 1. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$56000.00} Unauthorized Inquiries to be Blocked and Deleted : 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 card or prepaid card

OnXX/XX/18 I realized that an error was made wherein an additional payment was made to my account. The balance on my card was {$320.00}. To avoid interest charges ( printed on my statement ) I paid the required {$100.00}. In addition to this payment an additional {$550.00} was also made. On that date I first tried to reverse the payment with my bill pay credit union ( XXXX XXXX XXXX XXXX ) to no avail. Thats another complaint for another day. I then called the stores ( Kohls ) customer service department and was told the payment hadnt posted yet. I called the next day and was told that both payments had posted but were unable to reverse or refund the additional payment. Note that this now gives me a credit balance of {$330.00}. On the following day after that, on XX/XX/18 I called yet again and spoke to a supervisor ( this after holding for one for quite some time ) and was told if I had called the previous day that {$550.00} payment may have been reversed. They saw I had called the previous 2 days and said they were sorry I received wrong information. Then told me theyd only send me the credit balance ( now they say is {$330.00} IN A FEW WEEKS! I feel this is wrong. I have since closed the account. I WAS a loyal customer for 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I found out I was the victim of identity theft when I went to apply for an auto loan. I requested my credit report and found about a month later when I received it, a credit card from XXXX XXXX XXXX with a balance of {$8200.00} that was not mine. I filed an FTC report on XX/XX/2019 to report I was the victim of identity theft. I asked all three credit bureaus to investigate. They did not remove the information, just put a dispute. I then followed up with XXXX and they took it off of my report and sent me a letter confirming that they considered the dispute resolved. I wrote to all three credit bureaus, and provided all of the supporting documents they asked for : passport, property tax bill FTC report, XXXX letter, my ssn, my dob, a cover letter. I mailed everything to all three on XX/XX/2019 with a request to put an extended fraud alert on my account. I also asked all three to remove the inaccurate information from my credit history. XXXX and XXXX followed the directions. 

My problem is with Experian. They sent me a letter dated XX/XX/2019 that said they are reinstating the information previously blocked. They state that they received contrary information. This is not possible since I already provided a letter from the credit card company XXXX XXXX XXXX that there is no dispute with me. 

Experian has intentionally harmed me by keeping inaccurate and false information about a debt that I do not owe on my credit report. I should not have to go through fixing this over and over. They should be penalized for harassing me by changing the information without explanation to reinstate inaccurate information after they were given all of the correct information several times. 

They have provided no help in resolving a problem which they are now perpetuating with real damage to my reputation. I think that they should be sued for their behavior.
Product: Credit card

Formally disputing the delinquency reported on my credit report for my account with XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX. I have had this account since XX/XX/XXXX, and it is associated with XXXX XXXX XXXX for Raymour & Flanigan. 

**Issue** : I encountered significant difficulties due to a change in payment portal that led to the reported delinquency in or around XX/XX/XXXX : XXXX. **Payment Method Change** : The retailer changed the payment URL from XXXX to XXXX. This transition required the creation of a new username and password, complicating the payment process. 
XXXX. **Setup Difficulties** : I faced challenges in setting up my account on the new platform and was unable to get timely assistance despite multiple attempts. 
XXXX. XXXX*Customer Service Challenges*XXXX : When I tried to reach out for help, I did not receive the necessary support, and my phone calls frequently disconnected. 
XXXX. **Delayed Support** : Despite emailing for assistance, I did not receive any response. I only obtained the dispute address on XX/XX/XXXX. 

Due to these issues, my account fell past due, leading to the delinquency report. Given the circumstances, I believe this delinquency should be reconsidered and removed from my credit report.
Product: Prepaid card

RushCard made by XXXX XXXX has done something where the systems has locked and frozen peoples a counts all through out the nation. I am one of the people that is affected by this. Im sure this is n't the first compliant. This has been happening since XXXX. Im very upset by this as also many more. I have bills that need to be paided that dont care that my account is frozen. They will not awnser the phone or contact any one. If you call they hang up on you.I want my money and tp be away from this whole issue.
Product: Debt collection

On XX/XX/XXXX, I had sent a letter, which was delivered on XX/XX/XXXX by certified mail, to Commonwealth Finance regarding an entry on my XXXX, XXXX, and XXXX credit reports and requesting proof and validation that an alleged debt of {$360.00} from XXXX of XXXX belonged to me along with documentation that I have a legal obligation to pay, in conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692g Sec. 809 ( b ) On XX/XX/XXXX, I received a letter from the aforementioned company dated on XX/XX/XXXX, verifiably after the 30 day requirement to produce consumer requests established by the Consumer Financial Protection Bureau ( CFPB ), which was accompanied by a supposed bill that provided neither proof of ownership nor validation of the alleged debt. 

Copies of my initial request of validation with certified mail receipt and the company 's tardy response are attached.
Product: Credit reporting or other personal consumer reports

have hard inquires for morgage loans im not aware of. i recently came home from incarceration and have no idea of this and rewcently obtaining important docs XACTUS LLC XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal statement : After checking my credit for a store card application I realize that tere were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXXXXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. 
Please note these for future issues, Thank you.
Product: Credit card or prepaid card

During the Pandemic, I pro-actively reached out to all my creditors because we were mandated closed by the New York State. 

I communicated with my creditors about payments and what I could do while we were shut down about minimum payments. During this time they kept reassuring me that they understood and would work with me. There were days that I had to wait for XXXX hours on the phone trying to contact each vendor just to reach someone. 

I paid each creditor in full - all balances, interest, fees. I was told that upon payment that my account would show a positive payment status and history. I even asked them how they were going to report this to my credit bureaus. They all said that the account would show as being Paid in Full. 

However, this was not accurate or true. 
Based upon my review of my credit reports- They did not apply any PANDEMIC RELIEF or HELP to any months where I asked. They were recording every month as paid late. OR in one case even though the account was paid in full : The status was charged off. 
It was not until I asked them after making the payments why this was the case- when they each had indicated that due to the pandemic they would be providing some months of forgiveness and reduce the number of months that showed as late. In addition, my credit reports did not reflect for months afterward, the fact that each and every XXXX was paid to the creditors. 

I lost Business in the pandemic that I built for 20 years. I clearly know what it means to sacrifice and make changes. Each of my creditors was not cooperative nor were they transparent in how they were going to report my payments, final payoff, or any of the details that are negative on my credit report. 

If this is not resolved in a reasonable manner, I have hired an attorney and I will be suing each creditor and the credit reporting agencies for damages in STATE and FEDERAL COURT if I did not get a satisfactory resolution to this.