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

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

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. 

1.XXXX XXXX XXXX -The date opened is incorrect and the high credit limit is reporting incorrect. 
-Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION.

-Please remove from my report 2.Citi XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 3.XXXX  XXXX XXXX  XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 4.XXXX XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 5.XXXX XXXX XXXX XXXX **** Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX XXXX
Product: Credit card or prepaid card

My financial information was shared with coworkers and trainers regarding a personal call I made to Navy Federal Credit Union inquiring about my personal account. That information was used to harras, bully, intimate, belittle and retaliate against me
Product: Credit card or prepaid card

I received a letter by Synchrony Bank that they closed my carecredit account. My account was paid in full in XXXX. I had used it back in XXXX of 2019 and made payments on my pet vet cost. One of your representative I spoke to during the holidays contacted about one missed payment in which I never received a bill. This representative after getting off the phone with me reduced my credit limit. Anyways, I paid the debt owed. Now after months of not using the card, the company wrote me saying that they have closed my accounts due to Not enough avialbe credit, unpaid collections and I have paid that account. I don't appreciate who ever it that handled my account. I don't want to use this credit card ever and I think it ashame how this company treated me. The representative who sounded like an XXXX man, came off very discriminating. I don't know if it was on purpose but he needs training on diversity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certegy Payment Solutions , LLC provided a denial code to XXXX and XXXX regarding cashing a payroll check. Information in the certery file is outdated and incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against CAPITAL ONE, account number- XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XXXX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Other financial service

on XXXX/XXXX/2015 i contacted Money gram regarding a lost/stolen money order. I provided them with the serial number and they confirmed that the money order had not been cashed. I attempted to put a stop on the money order and was told i had to fill out a claim card that had to be mailed in. On the call i asked that they make a note with regards to the money order and prevent it from being cashed. whomever i spoke with stated she could not put the claim in without the claim card. That same day, the claim card was completed and mailed to money gram. On XXXX/XXXX/2015 I called Money gram to follow up on the claim card. on that date the money order had not been cashed. it was reasonable to believe that they claim card was received ( even if it was not processed full on XXXX/XXXX/2015. On XXXX/XXXX/2015 i received a letter dated XXXX/XXXX/2015 stating my money order was cashed on XXXX/XXXX/2015. That same day I called money gram and spoke with a woman named XXXX ( she refused to provide a last name ) who stated, she was unable to confirm when my claim card came in and that {$18.00} was required to send me a copy of the cashed money order. She then proceeded to state losing a money order is the same as losing cash implying that there were no protections for my money. I spoke with another agent named XXXX later that same day. He also stated that he was unable to determine when my claim card was received. he also stated that {$18.00} was required to continue my research on the lost/stolen money order. He much like XXXX stated the issue was no longer money gram 's and that i need to pursue the matter when the money order was actually cashed.
Product: Bank account or service

I contacted my bank, PNC Bank, to inform them that my credit card had been over charged at a restaurant. The cost of my bill was {$10.00}. After paying my bill, I was informed by the manager that " I was overcharged a little '' but if I contacted by bank the next day they would resolve it. I was then given a receipt for {$10.00}. After checking my account the XXXX day, I noticed that I was charged {$1100.00} in addition to my {$10.00} bill. 

After filing a dispute with the bank the next day, I was informed that I would need to provide proof of my original {$10.00}. I explained that I lost the receipt from that night and was told to contact the restaurant for a duplicate receipt. After several conversations with the restaurant manager, I was told that he no longer had a copy of the receipt and would have to " get back to me. " After XXXX months of calling the manager, it was clear that he was not taking my request seriously. I contacted PNC Bank to inform them about the situation and ask them to help me by contacting the restaurant directly. XXXX XXXX, the woman handling my dispute, told me that they would try contacting the restaurant but if they could not get the proof they needed, I would be responsible for the charges. 

To date PNC bank, has done nothing to assist me in resolving the issue with this fraudulent charge and has deemed me responsible for the {$1100.00} charge. I have since spoken with the manager of the restaurant and he is still " checking on the matter. '' He also denies receiving any communication from PNC Bank. 

As a loyal customer of PNC Bank, I have entrusted my money to this bank believing that if anything misfortune occurred that they would do everything in their power to assist me in protecting my money. I never imagined that if a fraudulent charged ever occurred that I would have to become a private detective and investigate the matter on my own. PNC bank has neglected their responsibilities as a financial institution and should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Narrative of my 30 Day Dispute With this current auto loan with Wells Fargo Dealer Service, I have never been late with any payments on this auto loan. I have attached all payment receipts for this account for your review. 

This situation was beyond my control. I was involved in a XXXX car crash on XX/XX/2018. A woman in XXXX XXXX California was XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX residential area at XXXX XXXX, she ran a XXXX XXXX hit a car and XXXX that person, and his car hit my car. 


The woman who caused the accident had refused to talk with her insurance company XXXX because she was advised by her Attorney not to talk to anyone so she would not incriminate herself, so my insurance company XXXX paid off my car minus my $ XXXX-dollar deductible and the {$580.00} that I owned on the car more than what the car was worth. 

I was in constant contact with Wells Fargo Dealer Service trying to make sure everything was going according to plan and making sure this loan gets paid off in a timely manner. After Wells Fargo Dealer Service received the payoff from XXXX, I contacted Wells Fargo Dealer Service on XX/XX/2018, to pay off the remaining balance, when I spoke with the supervisor about paying off the car with my Credit Card, the supervisor told me that Wells Fargo Dealer Service does not accept Credit Cards. 

I explained to the supervisor that this was an insurance claim, and I wanted to pay off the balance of {$1500.00} because XXXX had not accepted Liability of the accident that happened on XX/XX/2018, the supervisor said that there was nothing she could do because we dont accept Credit Cards. 

On XX/XX/2018, I called Wells Fargo Dealer Service once again trying to resolve this issue. This supervisor was very informative, and he explained everything to me about a program that could help me, which is called the XXXX XXXX program. The next day XX/XX/2018, I immediately started the process in enrolling in the Insurance Deficiency program. I was approved for the Insurance Deficiency program. 

The supervisor who I talked to on XX/XX/2018, never informed me about any programs that would be able to help me in my dire financial situation, nor did the supervisor explain to me that the account went back to normal when Wells Fargo received the insurance claim check. I, as a consumer and a loyal Wells Fargo Customer who was not aware of any of this information. If this supervisor who I spoke to in XX/XX/XXXX would have informed me about the insurance Deficiency program, I would have enrolled in the program at that time and not have this 30 day late sitting on my credit report.
Product: Student loan

I attended XXXX XXXX, a XXXX school, and was encouraged to apply for a Genesis student loan with the understanding I would have a XXXX high paying job. After over XXXX months looking for a job as a XXXX I am working XXXX hours a week @ {$XXXX} an hour and have over {$9000.00} in student loan debt. I do not believe I was given honest information and the loan was not reasonable for me to take out.
Product: Mortgage

I have over. XXXX dollars in late fee while in forbearance. They need to credit me all this money. Attached letter how they made makes with my loan. My second complain their response was this not there problem!!
Product: Credit reporting or other personal consumer reports

I have requested documents from the companies listed. They first sent verification papers but no original purchase agreement nor did I receive 1099 information for my taxes because the account was written off on taxes and they never sent the 1099 as requested.I want these accounts deleted as soon as possible for violations of the FCRA
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected from my file right away 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

My credit report shows unauthorized hard inquiries under 15 USC 1681c-2. Please remove them as theyre negatively impacting my credit. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a freeze on my XXXX consumer profile, which I don't intend to lift. 

Because of the freeze on my XXXX profile, ChexSystems refuses to generate a report for me in response to financial institutions inquiries ( provides the Reason Code XXXX and Qualifile Score XXXX ). A credit/consumer reporting agency ( ChexSystems in this case ) must not refuse generating a report for a consumer solely because there is a freeze on the consumer profile on another separate and different credit/consumer reporting agency. 

I don't intend to lift the freeze on my XXXX profile. Considering this fact, I demand ChexSystems to generate a report for me in response to financial institution inquiries.
Product: Credit card or prepaid card

I last made the annual fee payment of {$59.00} in XX/XX/XXXX. On XX/XX/XXXX I went online to the Citi website and sent them a message under their help section asking them to cancel my account and credit card. I thought it was then closed. I next received a statement from Best Buy dated XX/XX/XXXX that stated there was no amount due on the account. Citi handles the Best Buy Visa account. Then I received a form letter from Citi dated XX/XX/XXXX and a text dated XX/XX/XXXX that said my account was past due. I logged on to the Best Buy " accountonline '' and their account information said i owed {$120.00} past due for XXXX XXXX, XXXX. 
Then I sent a letter to their address for Citi at XXXX XXXX XXXX, XXXX XXXX SD XXXX with the above history and once again asked them to cancel the card immediately and that I did not owe them. I did not receive a response to my letter. 
I called Citi today, XX/XX/XXXX at XXXX and explained the above history and asked for a waiver of my fees to a representative who then said she had discussed it with customer service and they denied my claim.
Product: Credit reporting or other personal consumer reports

remove all hard inquiries that dont belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Debt collection

1. Received Email notification from PayPal saying my was in a negative balance XX/XX/XXXX 2. Called XXXX that was on the form and talked with a XXXX 3.  Requested the original transactions, who initiated them, who the payee was and what account was the money to be taken from. She had some story that she could not supply the originals for me. 
4. I asked her to mail the original transactions dates to me XX/XX/XXXX and she mailed me copies of the transactions with fake dates on them. 
5. I sent Certified mail to her on XX/XX/XXXX requesting the original transaction date on all the  transactions that they said I owed and gave them 14days from date of receipt or the debt would be considered not valid. They received it XX/XX/XXXX. 
6. In XX/XX/XXXX they added more transactions to my account and increased the amount they said I owed. I have not initiated an transactions. I had expressed my concern that there was fraud on my account. 
7. They did not respond to me at all and then placed the account into collections, I called PayPal again and they refused to talk with me and treated me very aggressive and rude, told me I could only talk with the collection agency. PayPal has a 60 day period to try to resolve with them they did not even honor that period of time 8. I sent a certified letter to the collection agency and requested the original transaction dates and they were supplied with another letter from PayPal with totally different information. 
9. I have not authorized payments for what they say I owe and PayPal can not give me an exact date only a debt sometime between XX/XX/XXXX and XX/XX/XXXX or the payee of those transactions that were supposed to be taken out of my PayPal balance, which if that is the case they used money from my PayPal balance and the still wanted more money. This sounds like fraud on their account.
Product: Mortgage

XXXX XXXX XXXX has left an unapplied balance totaling {$13000.00} on my account and never applied the payments appropriately. They approved a modification with an incorrect interest rate and upon trying to correct it never executed it, then they erroneously denied the loan modification which they did not sign. The loan was transferred to Shellpoint who assumed the loan in XX/XX/XXXX. I was not able to log into XXXX to access any of my account information. Shellpoint did not set up my online account until XXXX, also leaving me with no account or statement/history access. Shellpoint has recapped all of this in a letter dated XXXX. Due to their errors and not responding in a timely manner, they wrongfully put the house in foreclosure and a sale is scheduled for XX/XX/XXXX. Today XXXX we were also informed that XXXX did not make a payment of {$440.00} dollars to XXXX, who filed a derogatory mark on my credit. We also had issues with XXXX not paying the house insurance and leaving the house exposed to liabilities which was a hassle to rectify, but Shellpoint finally cleared that part up, but apparently left the {$440.00} issue unresolved. This has hurt my credit and I am about to suffer a foreclosure. I can not buy a new car and I desperately need to get this cleared up because they have affected my purchasing power, my credit and my health. I am including what I have, but if you need anything else, I am willing to provide it with the exception of any monthly statements because Shellpoint said it is too cumbersome for the to provide them ( unfortunately ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit act 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 604 A - section 2 also states I consumer reported AC Can not report an account without my Written instruction or consent to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. One billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX ) and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( 3 ) bureaus to remove the lates however, I have not been successful.
Product: Credit card or prepaid card

I have been a Chase credit card holder for more than 5 years. 

On XXXX XXXX 2020 all my Chase Credit Cards were closed. I had amassed reward points worth around $ 10k in cash and much more in travel during this time. 

Due to a result of this closure, I need to reuse these points within 30 days. 

I asked Chase to reconsider the closure and I received a letter that my card is closed as Chase has closed another one of my account. This is what I dont get. Chase has not closed any other account of mine but insists on closing all of my credit cards. 

All my plans of using my points for travel are down the drain due to this being an extraordinary circumstance for travel. I can not believe that Chase would force this hardship on me with a flimsy excuse. 

I request Chase to reconsider the closure and also provide me which account has caused by Chase Credit Cards to close.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to drop the ball. I've submitted a dispute several weeks ago regarding a collection account that isn't mine. I spoke to the company who instructed me they had deleted the item via e-Oscar with Equifax. After calling Equifax for several weeks they keep saying they don't have and response from the creditor which is false. Not only did the creditor provide me proof of the deletion proof via e-Oscar they even provided me a deletion letter.

As a consumer it is extremely difficult to call into Equifax with very long hold times then in my case I have to speak to the office of consumer affairs which is a total waste of time. The office of consumer affairs keeps us on additional hold time up to an hour plus and sometimes after waiting that long we are hung up on and have to start the process all over again. Depending on the day you may get great professional service and other
times you get very unprofessional service. I called today XX/XX/20 and spoke to a rep by the name of XXXX and I was simply trying to follow up on a dispute and I was dealt with in a very rude unprofessional manner from XXXX. I would like to have my file remove from the XXXX department and just given regular customer service. No customer should be rudely treated and talked to from Equifax. 

The collection account : XXXX XXXX XXXX for XXXX XXXX  should have been removed weeks ago.