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

According to my recent credit report request from Transunion, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX/XXXX XXXX   ACCOUNT NUMBER #
XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX HOWEVER I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX   ACCOUNT # XXXX XXXX XXXX XXXX XXXX , DE XXXX  ( XXXX  ) XXXX THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, HOWEVER, I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX , DE XXXX  ( XXXX  ) XXXX THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, AND XX/XX/XXXX HOWEVER, I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX ( XXXX  ) XXXX   THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, HOWEVER, I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XX/XX/XXXX
Product: Mortgage

PHH Mortgage for XXXX years in a row has not made my home owner 's insurance premium payment on time. I have to contact PHH and spend over an hour ( each year ) with my insurance company trying to not have my insurance company cancel my insurance. Insurance is a big deal in California as many insurance companies are looking for reasons to exit the state. I demanded PHH voluntarily release my impound account due to negligent administration of it, but PHH refused. There should be consequences to PHH for this but there are none.
Product: Credit reporting

My problem is with Experian. I noticed a XXXX point drop in score with Experian to XXXX. 
XXXX reports my score at XXXX and XXXX at XXXX as of XXXX/XXXX/16. 
I requested and paid for copies of all XXXX. 
The Experian report shows a " Serious Delinquency or Derogatory Indicator '' hurting my score by ( XXXX ) account. After talking via phone with NUMEROUS people and departments, NO ONE can tell me any further information- they say my report shows no late payments and can not give me any further info on a " Derogatory Indicator ''. 
They are saying " case closed ''!! 
I am SO frustrated!!!! 
Do not know what to do next nor can I dispute something that I do n't know who from. 
Can you give me any recommendation as to handle further.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( h ) Notice of discrepancy in address ( 1 ) In general If a person has requested a consumer report relating to a consumer from a consumer reporting agency described in section 1681a ( p ) of this title, the request includes an address for the consumer that substantially differs from the addresses in the file of the consumer, and the agency provides a consumer report in response to the request, the consumer reporting agency shall notify the requester of the existence of the discrepancy. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information I have been disputing via Experian online for 2 months now & inaccurate information if still being reported to my credit report! I have called in for the last few weeks trying talk to a live customer service representative and I havent had no such luck. Also, having been put on hold for long periods of time. If I do get to a live person they said they have to put us back in QUE!! Lastly, when I call back after a mistakenly called drop on their end I still get the automated system which cant update the accuracy of my report!
Product: Credit reporting or other personal consumer reports

Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> Continental Finance Company XXXX XXXX XXXX Department XXXX XXXX XXXXXXXX XXXX, NY XXXX RE : account number : XXXX Claim ID XXXX Subject : Dispute Regarding Fraudulent Charges Request for Reevaluation and Documentation ( As a XXXX cardholder , you wont be held responsible for unauthorized transactions. Whether in store, over the phone, online, or at the ATM, you have the protection of XXXX XXXX Liability promise. ) Dear Sir/Madam, I am writing in response to the email I received on XX/XX/year>, regarding my recent dispute over unauthorized charges made to my XXXX XXXX. According to the terms and conditions of the credit card agreement and the contract, I am not responsible for fraudulent charges, and there is a zero-fraud liability policy for unauthorized charges. 

On XX/XX/year>, I reported my card as lost, and a representative took my affidavit of facts over the phone. Despite this, I received a decision from your dispute department stating, " We have determined that no error has occurred, '' and that " these charges were authorized, and the merchant completed the service requested. '' This conclusion is concerning and appears to be a misjudgment or a sham investigation. 

To ensure the accuracy and fairness of this process, I respectfully request that you provide me with the following documentation related to the investigation : A detailed report outlining the investigation, including the dates of the investigation, the name of the person ( s ) who handled the case, and any communication with the merchant ( s ) involved.

Signed statements under penalty of perjury from the merchant ( s ) who processed the disputed charges, confirming the authorization of the transactions.

Any other relevant materials that substantiate your conclusion that the charges were authorized.

It is my understanding that Continental Finance and XXXX XXXX are committed to resolving disputes fairly and efficiently. XXXX XXXX Liability Protection Therefore, I ask that you reevaluate my case with all necessary documentation to support your claims and provide me with a comprehensive explanation of the investigation process. 

If the charges were indeed unauthorized, I expect these charges to be fully refunded in accordance with your zero-fraud liability policy. ( As a XXXX cardholder, you wont be held responsible for unauthorized transactions. Whether in store, over the phone, online, or at the ATM, you have the protection of XXXX XXXX Liability promise. ) I look forward to your prompt response, as I believe this situation has not been adequately addressed. 

Thank you for your attention to this matter. 


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

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX Account # 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

On XX/XX/year> I made a XXXX time payment to Western Agency for {$1000.00}. 

The payment was set up by Western Agency as a repeating payment of {$1000.00}. 

On XX/XX/year> I contacted my bank and was told to block Western Agency and shut down my credit card immediately.

I contacted Western Agency on XX/XX/year>, by phone and was told my bank made this mistake! 

I asked for a physical address, where I can pay and get a paid in full receipt. 

Western Agency refused to give me a physical address where payment can be made. Western Agency emplyee was rude and took no responsibility for the improper handling of this payment.

Western Agency refused my attempt to pay in full on XX/XX/year>.
Product: Checking or savings account

On Tuesday, XX/XX/2023, Chime informed me that my account would be closed on XX/XX/2023 and that a check for any remaining balance would be mailed within thirty ( 30 ) days of XX/XX/2023 to the address that they had on file for me. No explanation of account closure was given besides a claim that I exhibited activity that violated the terms of the Deposit Account Agreement which I read and saw no violation on my part. XX/XX/2023 at XXXX, I contacted them to inform them that a customer service rep told me I was being sent a new card but also that my account was scheduled to close which it did. I asked for a status update on when my funds that were remaining in my account would be mailed and they responded saying quote The account will be closed on and is not eligible for a refund. After this email, I submitted an appeal to which they responded saying that my check for the amount was on the way, however, upon receiving said check on Thursday, XX/XX/2023 and attempting to deposit it in a bank account on Friday, XX/XX/2023, I was informed that the check was not verified and that I would have to contact Chime. Upon contacting Chime, I was told to try and deposit the check again. Saturday, XX/XX/2023, the bank told me the check was fraudulent and they were unable to deposit it. The check amount is for {$44000.00} which is the amount of my combined checking and savings accounts I had with Chime and they have communicated that they will not reopen the account so I can have access to my funds.
Product: Credit reporting or other personal consumer reports

i sending a dispute to equifax and transunion about reporting inaccurate information on my credit report because it is damaging my credit score and keeping me from getting a home to live in. requesting deletion of items from my credit report because i supossed to gotten a 1099- c for the charge off accounts and file them on my taxes as income. Income is a violation if its reported on my credit report.
Product: Vehicle loan or lease

My XXXX XXXX XXXX lease end date was set for XX/XX/XXXX. Therefore, I went to the dealership, XXXX XXXX XXXX, on XX/XX/XXXX to purchase my XXXX XXXX XXXX  which I had leased through XXXX XXXX. The dealer quoted me a payoff balance of XXXX to purchase my lease. I agreed to have my vehicle financed. 
On XX/XX/XXXX I called XXXX XXXX  to confirm they received the payoff amount and was advised they received a payoff amount of {$19000.00} which is XXXX less than the amount I was quoted. I called the dealer and spoke to finance manager and was advised to call my new finance company, Mechanics Bank. I called them right after and spoke to XXXX who could not help me in getting my financed amount updated due to not having a copy of my contract. She said s she would follow up with me but never did. 
Today ( XX/XX/XXXX ), I called Mechanics Bank again spoke to XXXX and XXXX. Was on the phone for over 1hr and was not able to get a resolution. XXXX did her best to get someone on the phone who could assist me but had no success. Again was promised a call back.
Product: Mortgage

Hello, My name is XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX MI XXXX In XXXX I purchase a home and financed through XXXX XXXX XXXX  XXXX, who been sold to XXXX Mortgage in XXXX. 

I made a payments to XXXX XXXX till my loan was sold to XXXX XXXX, I never received any notification about my loan is going be sold to another company or assigment of mortgage never been recorded in County. XXXX XXXX filed a BK and transfer my loan to Speacilize Loan Servicing, who I am making payment righ now. 
I always make my payment, even when I faced a hardship and apply for modification payments was made on time I purchase a home with mortgage balance {$250000.00} per they caculation for ten years I only paid {$20.00} XXXX with monthly payment {$1300.00}. How this possible? Becuase when last company who obtain my mortgage in XXXX ( SLS ) start with ballance {$230000.00} Per mortgage amortization balance after 10 years should be {$200000.00} I been scam for {$30.00} XXXX. I am not sure, who to contact due to XXXX doenst exist anymore and XXXX filed BK. As consumer, who worked hard for the money, I should have right to find out what is going on. I am not even talking about interest I paid on money, which not even I can collect and I am sure so many people is facing this problem Please help
Product: Credit card

I opened an XXXX XXXX XXXX card, the welcome bonus was XXXX XXXX points if I spent XXXX or more in 3 months. 

I fulfilled that roughly a month ago ( XXXX ), and XXXX of the spending was federal tax payment. 

I didn't get the bonus about a month ( XXXX ) after the fulfillment, I contacted Amex. They told me the welcome bonus attached with my card and I had an estimated charge of {$5600.00}. I thought I had fulfilled the spending requirements. 

After a few days I still didn't get the bonus and I contacted again. This time the agent told me my tax payment doesn't count as qualified spending, that's the reason I haven't got my bonus. 

I doubt this since I don't see this is mentioned in their service terms and I can see that many cases online showed that it does qualify. Examples : https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus are incorrectly reporting incorrect information regarding the status of my student loan. My student loan is CURRENT and in a DEFERRED status. Additionally, I have never been late nor have a past due amount as alleged by the credit bureaus. I have written the XXXX XXXX XXXX XXXX and they have provided me with a complete payment history and current status of my student loan accounts. I have attached this as proof of my position.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, XXXX and XXXX has been allowing the following companies XXXX Card, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX to report said accounts held by these companies as both charged off and missed payments each and every month. This is fraud and unfair, misleading and abusive practices. Allowing these companies to reage and update the account as a missed payment is extortion! And it has a created damaging effects to my credit report and my way of life. This is illegal as they have reported the debt as a lost on their tax and still reporting my credit tell as charge off but allowing the company to extort me for more money by reporting late payments to the account. XXXX companies have already reported the income to my tax transcripts and income. Per the internal revenue code income can not be reported to a credit report. TAKE THIS OFF IMMEDIATELY! REMOVE WITHING 4 DAYS CONTACT THE COMPANIES AND HAVE THE FILE UPDATED PROPERLY FAILURE TO DO SO WILL RESULT IN A CIVIL XXXX FOR SECURITIES XXXX and a complaint into the attorney general for18 USC 894
Product: Credit card or prepaid card

On XXXX XXXX in the late afternoon I called AMEX platinum card, where my husband was the primary card holder. My husband passed away on XXXX XXXX. I called to close the account on which I was a secondary card holder. I was told by the company that if I did not pay the balance of {$3300.00} by the end of that day that the account would be turned over to a collection agency. Out of fear, and being in shock still from the death, I was intimidated into paying these expenses immediately. 

Now that I have spoken to others I am being told that this was a brutal abuse to avoid having the company insurance pay the balance and that I should not have been held responsible for these expenses nor should I have been threatened into paying this immediately, especially in such an emotionally vulnerable state. 

I feel completely abused by the disgusting display of brutality and abuse from a company that charged hundreds of dollars a year in fees and proceeded to keep my husbands earned points and blackmail me into paying medical bills and funeral expenses under pressure. 

I will add that these recent expenses were spent on my husbands medical bills for his XXXX treatments and his cremation expenses. Is it necessary for AMEx to steal from a heartbroken widow?
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX BANK XXXX NA ACOUNT # XXXX BALANCE : {$720.00} CREDITOR : XXXX XXXX ACCOUNT # XXXX BALANCE : XXXX CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX BALANCE : XXXX XXXX XXXXXXXX XXXX XXXX DOCKETS # XXXX TYPE : CHAPTER XXXX BANKRUPTCY DISCHARGE INQUIRIES THAT DOESN'T BELONG TO ME : 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 THESE ADDRESS BELONGS TO MY EX-WIFE, FATHER AND SON. 
XXXXXXXX XXXX XXXX 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
Product: Credit card

I started a complaint on CFPB with Synchrony/Paypal Credit ( case : XXXX ). The company responded and closed my complaint right away. They did not allow me to respond. Here I have written my response and require follow up from PayPal/Synchrony . I disagree with the information Synchrony/Paypal sent in their response by XXXX XXXX XXXX pdf is attached in case number provided above ). I request this case be reopened and a follow up for my response. Here are 6 questions/concerns : 1. Their response states I didnt set up an auto-pay payment plan. Yet I set up the payment plan via phone call. Its all in the recorded call. In the call, the agent stated I was enrolled in auto-pay for minimum payment. They provided XXXX information of this in their response. Thus, I request a review of the call with the agent. How can I receive this information/how can we confirm you review the call? 2. You stated my payment plan was opened XX/XX/XXXX. The first payment that was missed was XX/XX/XXXX. All of those payments in between were on-time and NOT manually paid. It was all autopay. So please explain how I wasnt enrolled in auto-pay? 3.I cross-referenced my bank account linked to PayPal payments and it had sufficient funds for the dates you state I missed payment and indicated in your response. Thus, if my account was on auto-pay as it shouldve been AND as mentioned in the call AND as it was for months prior, there would be XXXX missed payments. So why wasnt it charged autopay? Or did you guys cancel the autopay? 4. Your response states I shouldve received CAP emails. Which of my emails were they sending notifications it to? 5.Has PayPal/Synchrony sent me any lawsuit letters for this collection? 6.A quick investigation on PayPal/Synchrony within the past years shows that they have canceled auto-pay for individuals ( unbeknownst to the customer ) and have caused mishaps with peoples payments. You can actually see people complaining about this right on the PAYPAL COMMUNITY section on PayPal.com here : XXXX XXXX XXXXpaypal-cXXXX/paypal-XXXX Another example on XXXX websites where customers have submitted complaints on this as well : XXXX XXXX XXXX/Synchrony-XXXX All that said, this case needs to be reopened and I need a proper and thorough investigation into the call where we agreed I would be on auto-pay. In addition, I have proof the on-time payments were done via auto-pay charges and not manually. So we need to further discuss this. Please answer all questions and AWAIT my answer instead of closing the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received hard inquiry alerts from XXXX, TransUnion and XXXX I contact them to let them know that I did not apply for anything on that day .they told me to file a complain first so they can remove those hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; 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

XXXX XXXX needs to be removed and deleted from my credit report due to the Statue of Limitations it has been XXXX years and XXXX months I have spoken to the company and they repeatedly re-age but never delete please delete and remove immediately from my credit report
Product: Debt collection

Provide all billing statements dating back to the opening the account. Account for all fraudulent charges and fees place on my account. Account for every payment that has been made on this account. Provide any receipts or documentations for every charge made to this account. Any charges made to that account outside of XXXX XXXX need to be further investigated. Provide any documentation that justifies the current balance.
Product: Debt collection

I have repeatedly disputed a collection from a collection agency to Experian that is not a the amount is {$2600.00} from 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account I am disputing do not relate to any transactions for which I am liable. I already sent letters of complaint but no response has been received.