23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Starting from XX/XX/XXXX, I have been charged XXXX XXXX membership fees of {$14.00} every month. I enrolled XXXX XXXX membership in XX/XX/XXXX through American Express XXXX card benefits program. On XX/XX/XXXX, I realized that I have never received any statement credits to pay back my XXXX XXXX credits. 

I contacted AMEX customer support and they said I am not enrolled. I opened the enrollment link they shared, and I enrolled again. After some time, I asked the customer support to check the enrollment status for me and they still could not find any record of enrollment. So I asked if there may be a bug in their system, perhaps at the beginning. I clearly remembered I have enrolled in XXXX. 

It is weird that I have not received any confirmation email in enrollment, and process of manually linking membership from XXXX card has opened up loop holes of bugs. XXXX suggestion is to automatically link platinum card to the XXXX plus membership if someone adds platinum card as the default payment method. 

I feel very disappointed since I really enjoyed the XXXX plus benefits brought by platinum card, and every time I check out using XXXX plus membership, there is a pop-up saying that you are a member because you are a platinum card holder. So that was really misleading.
Product: Credit card or prepaid card

I was offered a payment of {$420.00} to settle an account of {$710.00} The remaining {$280.00} still shows delinquent on my account even though the offer was to settle to entire amount
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 60 days 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.

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

I do not consent to authorize nor benefit the inquires
Product: Debt collection

Convergent Outsourcing is attempting to collect a debt that I don't owe in the amount of {$73.00}. I never opened an account with XXXX and not sure why this has showed up on my credit report. This is a case of identity theft and is a violation of my rights 15 US Code 1681 A4 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. Convergent Outsourcing has no right to report on my credit report. Convergent Outsourcing and XXXX should not have any of my personal information. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Convergent Outsourcing and XXXX are in violation of contacting me this is harassment and abusive practices. This is a violation of rights and Convergent Outsourcing failed to send me a debt validation letter before placing this account on my credit for that Convergent Outsourcing should be investigated and shut down as the economy is hard enough living during post XXXX  XXXX. Furthermore whomever really owes this debt should be given a grace period before the debt is just placed on their credit report since XXXX hit the world out of no where and people are trying to repair the financial damage it's caused the debt is only for {$73.00} but the negative impact it has on someone's credit staying for 7 years is crazy and should not be allowed! I am pretty sure there's a way to work out a payment schedule that both the creditor and the person responsible can figure out.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Product: Debt collection

I have reached out to XXXX XXXX XXXX and asked them to verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). I asked them to treat my letter as a formal dispute and to refrain from reporting this debt and request for verification, pursuant to 15 U.S.C 1692 ( b ) which was received on XX/XX/XXXX ( photo attached ). They also stated that if I write them by XX/XX/XXXX they would stop collection on any amount I disputed until they send me information that shows I owed a debt ( photo attached ). On XX/XX/XXXX they added this to my report. I have yet to record confirmation of any debt as of yet. Also this is a collections account which was sold to a third party which I never gave consent to violating the privacy act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to obtain business credit for my company I have started however, when I tried they told me I have derogatory items that I have since started disputing these items as of XX/XX/2021. I have received a few random notifications since but nothing really addressing the issues of my report or even verifications of items! Because of this, I disputed again on XX/XX/2021, XX/XX/2021 and as recently as XX/XX/2021. I am still waiting on responses from either the bureaus or creditors to update me and let me know what they are doing, or if they're even investigating my disputes!
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated XXXX XXXX, XXXX, I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Product: Vehicle loan or lease

Auto loan was purchased from Santander Car was in accident deemed total load, insurance paid car off, account showing as charge off, Santander currently in litigation also when I dispute came back as no record of loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I paid off 2 mortgages, totaling over {$450000.00} with XXXX Bank in XXXX, XXXX XXXX and the other credit agencies do not show these mortgages as paid in full, causing my debt to income ratio to be 244 %. In fact, ironically these mortgages just showed up for the very first time after this closing and had never been on my credit report. Also, criteria shows that I " do not have a mortgage '' lowering my credit score, when I had a substantial mortgage in good standing. These payments were nearly {$3000.00} for years and " paid as agreed. '' I am trying to purchase a small home, and can only get a subprime interest rate of 9.25 %, because my credit score is barely over 600. I live in XXXXXXXX XXXX, in a very small town and there are very few homes for sale, and I do not want to keep paying rent. I can not purchase any home without a ridiculous credit score, despite working for over 50 years. I have written the companies and the more I inquire it seems the worse it gets. This is grossly unfair. I see where this has happened all over the United States, and I find it concerning. What is going on with the credit bureaus? Are they intentionally trying to skew the credit reports to keep people in debt?
Product: Credit card

I made a payment arrangement with Concora credit for my Milestone credit card for {$120.00} I think it was ( XX/XX/XXXX ). They say all calls are recorded, so this should have been as well. 
I woke up to a charge on my account today that they took {$230.00} instead. 
I called my bank and they said this could take up to 3 months after submitting a dispute to resolve, and I called Concora and had a fit because they couldn't give me a real answer and said there is nothing they can do right now. 

I am furious and I never authorized {$230.00}. 
I want this removed and I want them to remove my bank card from their system. 

They take whatever they want when they are ready to be paid back and don't go by what they payment arrangement says. 

Be aware! 
I want this handled fast. They overdrew my bank account from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Reporting of said account is not Authorized or Valid and is in Violation of FDCPA and FCRA Laws and are.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and request that the following accounts, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized accounts removed from my credit report.

Accounts for Blocking and Deletion : XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX. 
o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a notice that my credit score decreased due to a delinquent account. Upon review of my Transunion report, I saw that a  XXXX XXXX/XXXX XXXX balance had been " charged '' off. I was not aware of this account. I do have a XXXX XXXX/XXXX  XXXX XXXX which I am aware of and pay off monthly. The details of the account in question ( the one I was  unaware of ) are below : Account # ( as it appears of my credit report ) : XXXX Date opened : XX/XX/XXXX Date closed : XX/XX/XXXX Last payment made : XX/XX/XXXX Date updated : XX/XX/XXXX On my credit report, it shows a balance of XXXX all the way up until XX/XX/XXXX, when all of a sudden there shows a balance of {$220.00}, and a rating of " charged off ''. 

Once again, this is a separate account than the credit card from XXXX XXXX that I am aware of and that I use. 

I attempted to contact the contact multiple times today, and spoke to three different individuals. They all passed me around and were unable to help me with my issue.
Product: Credit reporting or other personal consumer reports

Synchrony Bank calls me every single day since XXXX XXXXThey won't stop and i want them fined! I'm looking for {$300000.00} dolkars
Product: Checking or savings account

I disputed an amount of {$130.00} for a charge on my account that should not have happen with US Bank. I received a rental car from XXXX XXXX after an accident with my car. The other person 's insurance company had to pay for the damages. I was to receive a rental car during the time my car was in the shop. I was told by XXXX that I will not be charged for the rental, just the holding fee of {$50.00}, which will be returned to me after I return the rental car. I received the rental on XXXX XXXX, XXXX and returned the car on XXXX XXXX, XXXX and my balance was at {$0.00}. A week later on XXXX XXXX, XXXX, my bank account had a charge of {$130.00} from XXXX XXXX which put my account in negative and received an overdraft fee of {$36.00}. I contacted XXXX and was told by the Manager, that she was sorry, she did n't know how to process a rental through the insurance company. I asked for the payment to be credited back into my account and was told they can not give credit after the rental agreement has been closed. I was shocked, after they took my money when the agreement was closed. I then contacted US bank to dispute the claim, I was given credit back in my account after 10 days from XXXX XXXX, XXXX. I did not receive the dispute paperwork until XXXX XXXX, XXXX. I sent over receipts from XXXX that showed my balance as {$0.00} and receipts that show they billed the insurance company. My dispute claim was denied after US bank card service received information from XXXX that the insurance company sent me a check after I disputed the amount. I was charged several overdraft fees in the amount of {$320.00} from the beginning of my dispute to now. Recently, I was charged {$280.00} of overdraft fees on Wednesday XXXX XXXX, XXXX, Thursday XXXX XXXX, XXXX, and Friday XXXX XXXX, XXXX. Overall, US Bank should have protected my account after I explained to them, that I should not have been charged in the first place. Instead I 'm stuck with multiple overdraft fees and I ca n't pay my bills for the month. US Bank did take into consideration that I did not authorize XXXX to take that amount out of my account. I spoke to several bankers, the claim department, as well as the bank manager that I open my account with, about removing the overdraft fees and all they say is there 's nothing they can do until I send in paperwork showing that the insurance company paid XXXX XXXX directly. Instead of the bank charging me 1 overdraft fee of {$36.00} for the forced charge back on my account in the amount of {$130.00} that occurred on Wednesday XXXX XXXX, the bank charged me 8 overdraft fees for my purchases made before this forced charge back. This is unethical practices and I will like someone to look into my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP! I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 62 days and I have not received a response. I did some research on the internet and and i read that the credit bureaus have 30 days to reply back and they have not. From what I read these accounts must be removed. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reports I owe {$2800.00} to them on my credit reports this is my last attempt to try to get them to remove this account from my credit reports before i use my tax money to get a lawyer and sue XXXX XXXX XXXX XXXX and the crecit reporting agency 's. I did not make the charges on this account never received tge card in tbe mail these are not my charges.
Product: Debt collection

XXXX XXXX XXXX has placed a collection account of {$210.00} on all of my credit bureau files. I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with XXXX   and/or XXXX XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. They sent an itemized statement of services, which may be an HIPAA violation.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$4700.00}, XXXX XXXX XXXX Balance : {$9000.00}, XX/XX/XXXXXXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$0.00}
Product: Debt collection

I took out a loan with speedy cash when I fell upon some hard times the loan would go into collections and this company called universal collections called stating they were collecting a debt for speedy cash had all of my information I was setup on a payment plan and paid the loan off in XXXX of XXXX here I am 5 months down the road and the debt is still showing delinquent and impacting my credit I have called this number XXXX ( XXXX XXXX ) numerous times and they always pick up and ask me for my case # XXXX it always show paid off in their system but no record of it showing paid off on my credit or to Speedy Cash I called yesterday XX/XX/XXXX and got the same answer when I called and spoke with her yet again
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with XXXX, XXXX, XXXX and CFPB regarding Toyota Financial Services inability or refusal to report my payments accurately. Each time I file a dispute/complaint they remove on time payments from my report and they now say no data. This has greatly impacted my credit history and score. At this point, it feel retaliatory. Across the three major reports XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 on time payments are not being reported with variances. Some reports have three payments missing and some have 2. They sent a long letter a list of payments of my last complaint and that still is not fully resolved. The same situation exists. Across the three reports, they have different two months reporting late between XX/XX/XXXX and XX/XX/XXXX or XX/XX/XXXX and XX/XX/2018. As I stated, I feel that this is retaliatory. Ive have contacted them directly and filed numerous disputes over several months. It is exhausting and time consuming. More importantly, it is adversely impacting my other credit. Account limits have been decreased or I can not move toward a goal due to score not being reflected properly for missing payment information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report fraudulent information on my credit report as I review my online instant credit report no changes have been made they still have a secondary identity XXXX XXXX a name that I dont identify with Including addresses That are not real addresses they lead to nowhere Ive disputed these addresses numerous of times with no updates Ive requested there only be one address on my credit file which is XXXX XXXX XXXX XXXX North Carolina And one contact number XXXX because they have been aiding misinformation and inaccurate reporting I have to restart my credit profile To protect my identity from further damage
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX i recieved a credit monitoring alert of a derogatory account being added back to my credit file with XXXX.This errouneous account XXXX XXXX XXXX XXXX in the amount of XXXX was removed from my credit file sometime the year prior.This account does not belong to me.Transunion is also reporting this account as well, ive reached out to both parties to get information on this account last year XXXXSince then Transunion and XXXX have not supplied any information on this account. XXXX is in violation of the re-insertion laws per the FCRA, All Credit bureau 's are required to inform the consumer of any re-insertion.This has hurt my ability to obtain credit as well as the constant back and forth with the Credit bureau 's as well as the collection agency.XXXX  has removed this account with no issue at all.Myself and my attorney have started legal action against Transunion and XXXX  and XXXX for violating the FCRA and my rights as a consumer.
Product: Debt collection

i requested the creditor to verify the medical bills were mine. they sent me papers without my signature, social security or any self identifying information ( ie, drivers license or state id ). they also have me listed as " self-pay '' but i was group insured through my employer at the time ( XX/XX/XXXX-XX/XX/2013 ). i have asked them to verify this as my debt because it is reporting in my credit files. and in reading the itemized billing items, they overcharged for an MRI-they have it listed as # XXXX and i know an XXXX generally costs {$1200.00}. This is not my debt and I would like your help to investigate this bill.
Product: Debt collection

XXXX XXXX XXXX  ( CREDIT CARD ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.