23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was denied a line of credit because of a low XXXX  score. I contacted paynet who told me they would send me credit report out. After reviewing the report there was an account that was opened up from Synchrony Bank, " XXXX XXXX XXXX  '' that I had not opened up. After I contacted Synchrony bank they said that there was a business card opened in my business name ( XXXX XXXX XXXX XXXX XXXX ) with me listed as the XXXX. After disputing the account with them they said that the dispute had been resolved in my favor and the account was fraudulent. After trying to contact the XXXX XXXX XXXX department and XXXX  we kept getting the run around in regards to when the account would be deleted. So I called Synchrony bank back who told me there was also an account that had been opened before the previously reported account ( which didn't make any sense to me ) but we disputed that account also. After being told that it was also resolved and would be removed i am now being told that its still under investigation. I feel like I am recieving the run around and meanwhile being subject to damages being denied credit. I would like these fraudulent accounts from Synchrony Bank to be removed from my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account number 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 an account without my written instructions
Product: Mortgage

Mortgage loan payment of {$1800.00}. Loan was transferred from XXXX where it had been originated in XXXX. The loan was recently sold ( in XXXX ) to Provident Funding. I had no history of late payments at XXXX and I did not seek out a sale of my loan to Provident. I made my XXXX payment online at the Provident website a little over the XXXX pst cutoff time because I was traveling and didnt have log in information for their website handy. I had previously made my payments to XXXX directly thru XXXX. Because of the XXXX XXXX holiday this pay, ent did not post till the following Tuesday ( payment was made Friday ). I have asked Provident to remove the late payment fee of {$90.00}. I have subsequently made my XXXX payment but have not paid the late fee in hopes of getting this situatuion resolved. 

Provident Funding Loan number is XXXX.
Product: Credit card or prepaid card

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Mortgage

On XXXX/XXXX/XXXX I paid my XX/XX/XXXX mortgage payment online at Capital One anticipating that I was to pay it off entirely soon. On XX/XX/XXXX I paid the mortgage off after ensuring that the XX/XX/XXXX payment had also been made. The web site showed that the next payment was not due until XX/XX/XXXX. In spite of this and that I had paid the entire mortgage they took another payment on XX/XX/XXXX. By this time they had removed my account from the web site with any information about the mortgage so I called the XXXX number for Capital One. After explaining the problem I was told that they would transfer the money back to my checking account in 3 to 7 days even though I told them that they had taken the money from my account and I needed the money to pay bills now. 
Seven days later ( XXXX XXXX or so ) I called again since they had not returned the money yet. I was told by XXXX that I had to wait 10 to 15 days and they would then send the information to another group who would write a physical check and then mail it out to me. I told them that this was not acceptable. She told me she would check on what they could do and get back to me within two hours. She never called back. 
I was away the week of XX/XX/XXXX to XX/XX/XXXX and found a few messages on my answering machine when I returned. XXXX from the President 's line at Capital one 360 told me that since I did not answer all of her calls she would not call back again but she left a number ( XXXX extension XXXX ) where I could call her. I called on XXXX XXXX but have not received a call back yet. 
Also on my return last week I found an overnight envelope propped against the door. It contained a check From Capital One made out for the wrong amount from a nonexistent account. 
I would like to have them return the money quickly. If necessary by deposit in my checking account with them and to ensure that they do not take another payment in XX/XX/XXXX. 
I submitted a claim to the wrong department in New York State and they said that they have referred the claim to this agency but I need to make sure because the money that Capital One took from my account is needed to pay tax bills this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and account reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're require BY LAW to report things 100 % accurate on my credit profile. How is there several late payments being reported for this account? I request your company to provide me with proof of these alleged payments being late. Im requesting verifiable documentary proof ( e.q., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed above. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer report. 


I am demanding that this account be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. 
XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$1500.00}
Product: Checking or savings account

Made a mobile deposit XXXX. notified XXXX of deposit hold. Deposit was within allowable parameters. Hold placed for 10 days.
Product: Credit card

On XX/XX/year> I was on XXXX XXXXXXXX XXXX XXXXXXXX from XXXX to XXXX. The flight attendants came over the intercom and announced a brand new promotion for a Barclays Aviator Mastercard where if you applied in flight, spent {$1.00} in 90 days, you receive XXXX AAdvantage points. They pushed this very heavily, noting is was the first time this had ever occurred. They stated the normal promo was XXXX miles for a higher amount to spend in the first 90 days. I decided to apply for the card. I have been using the card now and received XXXX points. I complained to Barclays and they said I signed a form that offered XXXX. The flight attendants were clear that regardless of the form used, the offer code on the form was critical which was why we HAD to do it in flight. They attempted to sign us up online in flight but the wifi did not work. I only got the card because of the promotion. The flight attendant spent time asking each of us who applied Where will you go with your XXXX miles? I believe this promo is still going on as my husband was on a recent flight with the same heavy promotion. I called Barclays and they said it was my fault for using the wrong form. The form provided by the XXXX XXXX attendant in flight! I also complained via XXXX and was then told since your complaint has been resolved we cant fix it, but rest assured weve noted your complaint. This seems very suspect, disingenuous and potentially fraudulent. I had a case number with Barclays : XXXX.
Product: Debt collection

I sent a letter to LVNV Funding regarding a collection on my credit report requesting proof showing that this belongs to me. they sent me back a statement dated XXXX XXXX-XXXX  2016 with my name and a address that I never lived. and demanding that I pay it. this account is not mine, Someone is using my personal information to establish credit account ( s ) to obtain goods and or services. I never lived at this address and I have never opened, nor did I authorized anyone to opened nor did I benefit, or will ever benefits from the account in question ( reference ID. XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  Automotive ( XXXX ) XXXX XXXX XXXXE Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX I have an active fraud alert on my credit report and I did not request credit or loans with any of the businesses above, I have called TransUnion to inform that it was not me that authorized them to check my credit report. They did not do anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Customer Service Department XXXX XXXX Dear XXXX XXXX XXXX, I am writing to address an issue with my personal account regarding a reported late payment for XX/XX/year>. I want to clarify that my account has always been paid on time, including the payment for XX/XX/year>. 

Please review the payment records and update my account to reflect its timely status. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

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

I was informed by another credit monitoring company that a former creditor is still purposely reporting inaccurate account status information to XXXX Credit Bureau. This is my third time reporting this company. The company is Consumer Portofolio Services. The company repossessed their vehicle back in 2014. The company is intentionally report inaccurate account status information as " failure to pay '', 30 days late, 60 days late '' when I no longer have the vehicle and the vehicle has been re-sold. I do not owe this company anything. The account status should be Repossessed-Closed. Would you please help me? This company is purposely decreasing my credit score. This is fraud and abuse.
Product: Credit card

An American express card was opened in my name for {$1000.00} and I never requested the card. Several other items on my credit are not accurate
Product: Money transfer, virtual currency, or money service

Issue is with Coinbase. 

I created my account many years ago and did not have any issue for a long period of time. Around XXXX  my account would regularly get locked - from what appeared to be an issue with the Coinbase XXXX XXXX  - and would unlock after a period of time. At the beginning I would put in a ticket to Coinbase XXXX, only to get no answers other than " please wait XXXX hours and try again '' - which did seem to work. I made regular, weekly transactions on the platform with no issue. Then around XXXX years ago I discovered that I could no longer buy any cryptocurrency on the platform. Each time I've inquired I still get the " please wait XXXX hours '' copy/paste response, with no actual help. 

At this point my account is locked - and has been locked - for over a year. I'm allowed to sell my crypto and send the money to a bank account, but I am not allowed to buy any more cryptocurrency.
Product: Credit reporting or other personal consumer reports

I pulled my credit and I did not give written consent to anyone of the consumers to hard pull my credit and XXXX of them definitely have a clue or was aware of them pulling my information I would never allow this many pulls, and I have no business with XXXX of them listed below. 

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

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX acct # 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.
Product: Debt collection

I never received any letters from the Trident Asset Management agency yet I noticed a collection account on my credit report as of XXXX XXXX 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-2017 XXXX XXXX XXXX contacted XXXX and transunion about unauthorized inquiries also put a fraud alert on my consumer report. XXXX-2017 i called to inquire again about the inquiries to no avail I was rudely told they could not be removed. XXXX-2017 I contacted XXXX and transunion in a final attempt to get them removed. I spoke with dell and a rep from transunion who said they would dispute all inquiries instead for an authorized one from capital on made on X/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX  ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Once you have finished your investigations, send me an updated credit report to the address stated above. 

Thank you.
Product: Student loan

I am the co-signer on my daughter 's student loan with Sallie Mae. She applied for the loan to attend XXXX University. While there, it became necessary for her to transfer to XXXX University in XXXX, WA because of the rising costs of attending XXXX. She was supposed to have a two-year grace period after she graduated, which occurred last XXXX. SM made a mistake in the process, and told her that her grace period had expired!! Since then they have been constantly harrassing both of us. The payments they want are way beyond our ability to pay. She is a XXXX in WA. SM and XXXX are demanding {$1500.00} per month. We have repeatedly tried to work out a reasonable rate of payment but they have refused to do so. This has severely impacted my credit, it went from XXXX to XXXX in less than a month. In addition, they have called my cell phone even after being told to stop. Also, my work phone. I am ready to provide more detailed information, this is just a synopsis of what we have been going through since last XXXX 2016. We are willing to pay the debt, we just want something that resembles a manageable amount.
Product: Checking or savings account

This is regarding issue with Ally Bank. I was enrolled into promo in XXXX for 1 % bonus up to {$500.00}. I deposited more than XXXX and kept it for more than 90 days. When I called earlier I was told that bonus will be deposited by XX/XX/XXXX. It has been more than a month after that but I did not get bonus yet. 
I made many calls and chats, wrote several messages to resolve this issue but those were of no help. Neither they are resolving the issue, nor they are providing any timeline to resolve it. 
I would appreciate any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING COMPANY XXXX, EQUIFAX, AND XXXX SHOWING WRONG INFORMATION ON MY CREDIT REPORT. 
MY ADDRESS IS WRONG AND MY PHONE NUMBER IS WRONG, I GUESS IT'S FROM IDENTITY THEFT. THEY STEAL MY INFORMATION AND APPLY FOR SOME CREDIT CARDS. I ASK TO REMOVE ON CREDIT REPORT AGENCY ALREADY AND I HOPE THEY CAN REMOVE OR DISPUTE ON MY CREDIT REPORT. 
I'M VERY SAD AND WORRIED ABOUT MY SITUATION. I APPLY A SENIOR APARTMENT AND I FIND OUT OUT WRONG INFORMATION ON MY CREDIT REPORT THIS YEAR. PLEASE REMOVE THIS. I HAVE NEVER HARMED SOMEONE AND DONE BAD THINGS BEFORE. WHY DO I HAVE OTHER PEOPLE 'S INFORMATION ON MY CREDIT REPORT THAT IT MAKES ME HORRIBLE TIME? PLEASE REMOVE IT FROM MY ACCOUNT. I'M ALREADY SAD AND HOPELESS NOW. PLEASE DO NOT HURTS ME NO MORE. THANK YOU.
Product: Debt collection

I have a collection company ENHANCED RECOVERY COMPANY trying to collect a debt on account that was no made by me. I have disputed this account and asked for them to send documents stating that this account is verified and received nothing.
Product: Debt collection

I have contacted Aldous and Associates due to a health club membership. I attempted to dispute the debt because the amounts stated that were owed appeared incorrect. I requested documentation of the account to show when account became delinquent along with an exact amount owed. This has not been provided. I have called several times and wrote letters, they are not responding to calls or letters and still are reporting. Aldous did send a letter on XX/XX/XXXX with page 1 of a 2 page document. I requested the entire document, to which the request was ignored and demand for payment has been made. I called XXXX XXXX at Aldous and I requested to speak with a manager regarding this account. On XX/XX/XXXX at XXXX I was placed on hold for over 24 minutes, at which time she hung up. The second time I called on XX/XX/XXXX at XXXX, I received XXXX XXXX who indicated that a supervisor will call me back with updates on the account. As of yet, I have not gotten a response. I have been a victim of identity theft and am unaware if this account has also been compromised, as there seems to be no trace of whats owed. 
There appears to be no transparency in charges on the account. I have no idea what date the account became delinquent. I have requested records from XXXX XXXX XXXX and XXXX XXXX who sold the debt to Aldous, and they also have no record of this account.
Product: Mortgage

I have informed carrington that my home owners insurance isn't going to renew my home owners insurance this year. But XXXX still went ahead and pay my former insurance company {$7400.00} which I told them not to do in the insurance department. They were already well aware of my home owners insurance not renewing & I have a new home owners insurance company. I have a letter from XXXX stating they are not renewing it this year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Child Support Account from Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute the inclusion of a child support account on my credit report. The information is inaccurate and/or outdated, it is 8yrs old and I request its removal pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

The account details are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Details Disputed : This account is outdated and have been paid and should be removed from my credit report, I have included the following supporting documentation to validate my claim : Proof of resolution of child support obligations.

I kindly request that you investigate this matter and, if you can not verify the accuracy of the reported information, remove it from my credit report immediately. Under the FCRA, the credit bureau must ensure that all information it reports is accurate, complete, and verifiable. Under the FCRA 15 U.S.C. 1681c-2 any negative items that a company reports without my consent is considered identity theft and fraud.

Please provide written confirmation of your investigation and the outcome. I appreciate your prompt attention to this matter and look forward to your response within the timeframe required by law ( 30 days ).

Thank you for your assistance. Should you require any additional information, please do not hesitate to contact me at ( XXXX ) XXXX XXXX Sincerely, XXXX XXXX XXXX : Copies of documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX was originally reported by XXXX as having a late payment for XXXX of 2023. I disputed the late payment because at that moment I was in the process of a mortgage assistance application and such report should not have been made. 


After my dispute, XXXX agreed to change the late payment to report as suppressed. XXXX and XXXX changed the information for XXXX 's payment as suppressed, but after two requests from XXXX, Equifax has not changed the information as yet. 


Additionally, Equifax is also reporting my XXXX and XXXX mortgage payments as being late when XXXX did not report such information, as the payments were NOT late. Equifax is the only credit bureau that's reporting XXXX, XXXX and XXXX as being late. None of the other credit bureaus are doing so so. The other credit bureaus are reporting XXXX as suppressed and XXXX and XXXX as paid on time. 


I have reached out to Equifax twice. First, to inquire about the XXXX payment not being reported suppressed. They requested that I asked XXXX to send the information to them once again. XXXX XXXX assured me that they would re-send the request to suppress XXXX 's payment. Equifax still has not changed the reporting. Now they're reporting 3 months incorrectly. XXXX XXXX  also assured me that they never reported any payments late for XXXX and XXXX to the credit bureaus. 


I reached out to Equifax again today XX/XX/2023 and they are adamant that the information they have received for all three months is information they got from XXXX XXXX. 


I would like Equifax to do as requested by the mortgage company. To change XXXX 's payment as suppressed and to change XXXX and XXXX payments as paid on time.
Product: Payday loan, title loan, or personal loan

Couple month ago i get this loan and it was paid and still is under payment on good standing.The company Mariner Finance they report wrong information 's such is collection this account and they dint want to fix the problem even the loan is still underpayment and good standing