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

I am distressed that I am having to file a complaint since my consumer rights have clearly been violated! I have sent a total of 5 Letters regarding negative remarks on my credit profile ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and nothing has been updated. Please note I have provided ample time to rectify this matter. Both XXXX XXXX XXXX and XXXX XXXX XXXXS are clearly reporting on my Credit profile incorrectly. How does this account meet FCRA requirements when the dates for the last activity is different for every credit bureau that was falsely verified therefore needs to be removed immediately because you are reporting fraudulent information. Please note, The reporting of these accounts violates USC 15 1681 ( 2 ) i. It has been well over 60 days and the accounts are impacting my credit profile. I received a letter showing " verified '' when clearly nothing was verified! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition, before you start, Absolutely nothing in my letter could reasonably give rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.
Product: Money transfer, virtual currency, or money service

I made a XXXX  payment to a vendor and did not receive services. The company stated there was nothing I could do and I was not able to request a refund. Now years later, there is now a disclaimers that should have been present at the time I used XXXX  for the purchase and it just happens the XXXX  history on mu account only goes back as far as the time they've added the disclaimer to the page. I also canceled a subscription that was supposed to only be a one-time purchase in XXXX  and the monthly charges are still coming from my account. I request refund after refund and Chase says that I have to pay them to block the company from charging my account.
Product: Credit card

I always paid my balance in full on or before the due date which is normally the last day of the month. 

In XXXX, I changed my Bank information. On XX/XX/XXXX, I got a notification from Goldman Sachs ( GS ) that my bank information was incorrect. 

Firstly, I tried to resolve this issue online to make the payment. Which did not work due to some technical issues. 

So, I called them and paid them on the phone by giving them the same information that I put in at the end of XXXX. 

GS charged my interest of {$72.00} because the payment was made on XX/XX/XXXX instead of XX/XX/XXXX. 

Then they gave me a credit of {$25.00} but did not waive the interest charges completely. It was not my fault that their system did not find it that the payment did not go through. 

Then they charged me {$45.00} in. the month of XXXX. Which does not make any sense. Please see the attached statement of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

603. Definitions ; rules of construction [ 15 U.S.C. 1681b ] Exclusions. ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; It also defines what a credit card is " ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' My Nine digit Social Security card number that was used to extend credit in the below account is prohibited by law to publish on any credit reporting agency. 
I came to learned of XXXX XXXX  XXXX XXXX account reporting on my credit report some time back, I call the Back inquiring about the account 's and all I could get from the Bank is that they can't find my information in their system and they will investigate it and let me know the outcome in writing. months go by and nothing from the Bank, I would call again and they would be told me the very said thing and I would wait again and still nothing. I sent a letter this time on XX/XX/XXXX outlining my issue and demand that they send me proof that the account belongs to me or remove them from my credit report. but yet again I got no response. when I call in XXXX of this year, they give me the same story that there is no information in the system with my personal information and that they will send it to a special team to investigate and they gave me a case number : XXXX to show that my complaint was logged this time. I was also told that they will contact me within XXXX business days with the findings, but yet again nothing. I send another letter on XX/XX/XXXX requesting the above information and demand and follow-up with a phone call and was told the same thing that they will get back in writing to date, I have heard nothing and the items are still reporting on my credit report. these accounts were open fraudulently and should be treated as such. and I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose as described. I also did not receive any money, goods, services, or other benefits as a result of the events described above. and I'm willing to work with law enforcement if charges are brought against the person ( s ) who committed the fraud but XXXX  XXXX XXXX made no attempt to investigate the accounts nor do they made any attempt to rectify the inaccurate reporting to my credit report. 
Experian continues to violate my rights by reporting this inaccurate account to my credit device.
Product: Credit reporting or other personal consumer reports

I

am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item. 2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA. 3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Credit card

XXXX XXXX  charges me XXXX per month for XXXX XXXX premium care since XXXX. They send me a monthly email stating that I should contact XXXX XXXX if I have a problem with my phone. I cracked my screen at the end of XXXX and requested repair. XXXX XXXX XXXX refused coverage. they have claimed that I do not have XXXX XXXX. I have learned that XXXX XXXX actually only cost {$8.00} per month to repair phone. The damage to my phone has gotten worse because they will not authorize repair. I registered my phone with XXXX and they continued to charge me but now claim that I have no coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portaXXXX. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent inquiries from my credit report. I am a victim of a data breach, and unauthorized access to my personal information has led to these inquiries. I request that these inquiries be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Unauthorized Inquiries to be Investigated : XXXX. XXXX XXXX  Inquiry Date : XX/XX/year> XXXX. XXXX XXXX  Inquiry Date : XX/XX/year> As these inquiries were the result of unauthorized access to my personal information due to the data breach, I respectfully request that they be immediately blocked and deleted from my credit file.
Product: Checking or savings account

Im trying to link my account whit XXXX XXXX XXXX but I cant get it.
Product: Mortgage

I am an attorney and have worked with consumers in foreclosure for more than 20 years. I took out a covid forbearance with Suntrust in XXXX. I tried desperately to get out of the forebearance begining in summer XXXX. Suntrust made it nearly impossible for me to get out of the forbearance. It was absolutely, crystal clear that Suntrust had scripts or talking points that induced or forced people to stay in forbearance. It took me month after month and dozens of phone calls before I could finally get out of forbearance and start making my payment. Here is an example of the dialog : Me : " I want out of forebearnce '', Suntrust : " I'm sorry sir, you can't get out of forebearance because your account isn't current. '' Me : " How is my account not current if I'm in forebearance? '' Suntrust : " It's the escrow that isn't current. '' Me : " Just tell me what I need to pay no, so I can get current and get out of forebearance. '' Suntrust : " We can not calculate that amount. '' Finally, after months, I get out of forebearance. I try to start making my regular monthly payments, but Suntrust can not tell me what my monthly payment is because they can not calculate what the escrow is. I ask to pay more in order to just keep my monthly payment current. 
Critically, during the entire period I'm in forebearance Suntrust has disabled my online account access so I can not see anything. Fast forward to XXXX, i get service transferred to Truist. It takes me God knows how many phone calls and hours on the phone with Truist to finally get autopay set back up so i can start making my payments again regularly and they start taking payments. Now on XX/XX/XXXX I get a letter, dated XX/XX/XXXX that states, " Recurring payments have been deleted from your loan as of the date of this letter. '' I can not login into my account and make a payment.I 've been on the phone now with Truist for 45 minutes and transferred around multiple times, but noone can figure out why my automatic payments have been deleted, and why my account has been disabled. I RECEIVED NO PRIOR NOTICE THAT AUTO PAYMENTS HAD BEEN " DELETED '' AND NO NOTICE THAT MY ACCOUNT HAD GONE MORE THAN 30 DAYS DELINQUENT.
Product: Credit card or prepaid card

I payed my account off in full using the companies autopay by the due date XX/XX/2019. Capital one still went and billed me interest. I called and requested my fee only statement of $XXXX to be removed as it must have been done in error.The lady in customer service stated that the way they bill interest is that even if you pay the account off in full. I was transferred to a manager and informed they bill the exact same as if it was a cash advance balance(which it was not) and that it must be paid in full multiple months in a row to not be billed interest. XXXX(the manager) refused to waive the fee as well. I have no doubt that capital on will bill me the interest on my interest next month and so on. All i want is this XXXX interest charge removed.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my personal credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Scratch Financial in XX/XX/XXXX. I have paid the monthly payments on time to-date. Their reporting of my account to credit bureaus showed I had only made two payments in XX/XX/XXXX and XX/XX/XXXX, which made my credit score diminish because it showed a high balance in XX/XX/XXXX and payments not made. 

I called Scratch Financial 7 times to correct the problem. I also filed a dispute with XXXX   and they contacted Scratch Financial. Scratch Financial had 30 days to reply and they did not, so, they were deleted from my account and my credit score decreased by 32 points on the day XXXX removed Scratch Financial from my credit file. I need Scratch Financial to correct the error, but they have not to-date, and I have been dealing with them for the past 3 months to correct their mistake of not reporting my loan account status monthly. Their lack of reporting correctly has already cost me a loan. My credit score dropped XX/XX/XXXX and has been -38 points ever since. 

Hopefully you can do something. I am building my credit and I have worked hard to pay these XXXX on time to grow my credit!
Product: Student loan

1. Sold a consolidated loan but it was not disclosed that this would disqualify me from receiving teacher loan forgiveness programs. 
2. Later, refused to 'receive ' my application for in-school deferment. I had to give up eventually. 
3. Enrolled me in a low income repayment program without disclosing this would be taxable, and that it would capitalize. 
4. When I began making standard payments on a standard repayment plan, I called to ensure my loans would not again capitalize ( as they had only months before ), I was assured they would not, and they were. So, the {$15000.00} or so I paid in 2016 resulted in a principal balance that was {$1000.00} more than I had had one year prior. 
5. They robo called initially. 
6. They NEVER respond to email. They do not record calls in California. The documentation they send is impossible to understand without a XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX several times to have late payments that were incorrectly reported to the credit agencies for the months of XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. I had payment arrangements set uo for these months and these late payments should not have gone on my XXXX record or reported to all three agencies.
Product: Checking or savings account

On XX/XX/XXXX I received an SBA loan ( disaster relief loan ) of XXXX $ deposited in my Suntrust account. The next day my account was closed by Suntrust and I had no notification as to why?? Its been two plus months of me calling, put on hours long hold time, speaking to several supervisors and still no letter of verification as to why my Suntrust account was closed and no check with my balance that I had in my account, a total of {$9300.00}. After two plus months of trying to get the letter explaining why my account was closed, at the very least, so I am able file a complaint with the proper bureaus with some type of proof is still unavailable to me and I have received nothing except a email on Saturday, XX/XX/XXXX at XXXX XXXX   stating my account was closed and I can look up the document but when I attempted to I was still unable to. It is now XX/XX/XXXX and I am filing a complaint to protect my consumer rights that Suntrust is violating and the crime of them taking my money from me and not distributing it back.
Product: Vehicle loan or lease

In XX/XX/2016 I obtained a leased vehicle from XXXX XXXX for a XXXX XXXX XXXX and I was told that I had unlimited mileage at the end of my lease that was paid off. I then in turned got truck and there was no financial advice on getting into this vehicle and now this has left me with a {$20000.00} mileage overage which has damaged my credit. bringing my credit score down from a XXXX to low 500 's. I am now in distress over this. I have never been late on any payments my credit to shambles. I called the company Chrysler Financial and complained to them as well as the Dealership. The salesmen told me it's on you now. This is very frustrating, I am suffering financially now due to this event. I also want them to reimburse for the interest charges as well as the damages to my character. My credit is in shambles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/2018 a deposit to my account through Bank of America ATM in XXXX, Georgia. The check amount {$8100.00} was placed on hold until XXXX.18 at XXXX. An additional check in the amount of {$35.00} made during same transaction and drawn on same banking institution was immediately available for withdrawal. In several conversations with customer service representatives plus a supervisor I was given the same answer that checks over {$5000.00} are held for seven days excluding weekends and there is no way that any of these funds can be made available until this date. Reason given on bottom of deposit receipt : A hold was placed on your check ( s ) because check specific information indicates item may be returned.
Product: Credit reporting or other personal consumer reports

I am writing to dispute hard inquiries that have appeared on my credit report. After reviewing my credit report, I have identified these inquiries that I know are inaccurate and should be removed : Experian XXXX XXXX All Banks XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

XX/XX/XXXX I spoke with a capital one cc supervisor after the initial csr couldnt assist. The company took the full amount of bill which I submitted on the XXXX. Then told me it would be 8 days before the funds were accessible to me. 

I told her its not right that every other payment Ive made usually the minimum or a little more was available within 24 to 48 hours. I told her that was unacceptable and I wanted to speak with her supervisor. 

She said she was the last front and there was nothing she could do. I asked when my Acct was opened. She responded XXXX. I told her to close it and hung up after a couple of not so nice words.
Product: Credit reporting, credit repair services, or other personal consumer reports

This car was sold in violation of the state lemon laws. I followed proper procedure and can not be held liable for the dealerships deceptive practices according to the law. Remove the false status and update for 100 % accuracy. 
XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Checking or savings account

To whom it may concern, On XX/XX/2022 i receive a text alert from my Bank ( Chime ) that a transaction of {$630.00} was processed by XXXX. I did not recognize this company so I immediately logged into my account and saw that the amount was in fact pending. 
I contacted Chime and informed them that this was an unauthorized transaction and they told me to file a dispute. I filed the dispute once the transaction was no longer pending per their request and they informed me it could take till XXXX for them to complete their investigation. No more than 1 hour later I receive an email from Chime saying they have finished their investigation and there was no error with the transaction and they have closed my case. I asked them to provide me documentations that they used to come to this conclusion and they said they can not do it. I asked them to provide me the IP address that was used to make this transaction and they refused as well. 

I have now been unable to reach out to Chime and they will not connect me with a supervisor, all they do is tell me to email XXXX and I am getting automated standard response.
Product: Credit reporting or other personal consumer reports

For the charged off XXXX XXXX account ( ending in XXXX ) I requested the 1099C form to validate the debt was canceled. Upon receiving the 1099C form I noticed that the account number reflecting on the form ends in XXXX my XXXX XXXX account ends in XXXX, how can this account be verified if they are ending in different account numbers? Either XXXX XXXX made the error and did not send the correct form for the proper account or they do not have one which would make the reporting of this charged off account fraudelent. I have previously disputed this account with XXXX and they verified that the investigation could not be completed due to the form having the wrong account number listed. They stated that the XXXX XXXX account number and the account number written on the 1099C form are different. So with that being said either XXXX XXXX did not send the correct 1099C form which makes this account invalid or they dont have the correct information which would make the reporting of this account fraudulent. Because the account numbers are both different by XXXX and Equifax and XXXX XXXX this means the account has not been properly verified. This account is being reported in error and must be removed from my consumer report immediately. 



XXXX XXXX - XXXX 1099C form - XXXX