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

I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The XXXX XXXX XXXX  Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. The payment information history for the accounts opened on XXXX XXXX and XXXX XXXX is incorrect. To start, both of these accounts were paid in full in XXXX XXXX which is reflected on the payment history for the XXXX XXXX account by being labeled as current, however for the XXXX XXXX account there is missing payment history.
In addition, The XXXX XXXX account payment information for XXXX XXXX is reported as current, but for the XXXX XXXX account is reported as XXXX-XXXX days late. This is frustrating because XXXX  accounts had combined payments through XXXX XXXX. Also, how can the months of XXXX be XXXX days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XXXX XXXX. I had first disputed with all XXXX credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the XXXX accounts I am requesting help with listed above. Thank you!.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( XXXX U.S.C. XXXX ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section XXXX ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$1300.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$160.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$450.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1200.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1100.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section XXXX ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. 
XXXX XXXX and XXXX  XXXX
Product: Credit card

My complaint is about Chase Card Services keeping my payment and then closing my account when I paid it in full. ( {$820.00} ) I did have payment problems with all of my other creditors due to {$3000.00} in medical bills and I am already on XXXX. I got a Hardship withdrawal from my pension to try to pay back some creditors. I had XXXX accounts with Chase that I opened 18 months ago and have never been late with them. Everyday when you sign in, they say something like, " you can combine your XXXX Chase accounts to utilize your credit limits in the way that is most convenient for you. '' Well, after getting my pension money, I set out to pay off the smaller of my XXXX Chase Cards and hoped to pay off some medical bills with the, " new combined credit limit. '' I kept getting transferred around and then they pulled my credit report and saw that I was late with my other bills. I tried to explain, but they said it was, " within their rights to close my account even if I 'd never been late with them. '' They did so taking the {$820.00} I so desperately needed. Since I had made this payment by my bank 's bill pay, I sought their assistance to get {$750.00} of the money back. Chase said they would only give me my money back if I, " sent them a voided check, '' since my bank used a third party vendor to do Bill pay. I told them I did not want to send a voided check over the internet, so I had a lengthy conference call with the Chase rep and my bank on the line. After 3-4 transfers, a " supervisor, '' agreed to refund {$750.00} directly into my bill pay account if they would fax the proof of payment directly to them. My bank faxed the form that day. Seven days later there has been no action in my account and when I contact them today, they inform me they are sending the check by mail, but I will have to wait another 5 days for them to mail it! This has been going on since XXXX/XXXX/2016! I do n't think I will ever get my money back and If I do, I 'll have to go directly to a Bankruptcy attorney because the time to " make a deal '' with my creditors has now passed.
Product: Mortgage

refer to CFPB case # XXXX XXXX - Suntrust removed disputed mortgage lates reporting. Supporting documentation was provided to support error. Please remove SunTrust Mortgage late.
Product: Credit card or prepaid card

Synchrony Bank Amazon.com card. ( hereinafter SB ) This account was closed in XXXX of XXXX due to fraudulent charges being made on the card. I contested the charges ; the account reflected credit balance of {$89.00} on the XX/XX/XXXX statement, SB sent me a refund check of {$89.00}. I considered the matter closed. I did not use the account again. 
On or about XX/XX/XXXX, I received SB 's closing statement, reflecting a balance of {$46.00}, with very similar charges to the prior fraudulent charges.I ignored this statement, assuming that it was in error. 
On or about XX/XX/XXXX, I received another statement from SB, now reflecting a {$73.00} balance, including late fees. 
On XX/XX/XXXX, I wrote SB, and stated that they were in error, the account had been closed, I had not used the account, and that they had unilaterally re-opened the account without my consent. I advised SB to permanently and irrevocably close the account. 
On or about XX/XX/XXXX, I received correspondence that SB was " looking into your account, and that it may take one or two billing cycles to respond to me ''. 
On or about XX/XX/XXXX, my FICO score dropped over 100 points, from approx. XXXX to XXXX, due to adverse credit reporting by SB. 
On XX/XX/XXXX, I wrote SB, summarized the aforementioned events, and advised them that their actions had now caused me actual and significant damages. I am attempting to purchase a real property, their actions have negatively affected this transaction.
Product: Credit reporting or other personal consumer reports

Dispute of Civil Liability for Negligence Reference to Section XXXX I hope this letter finds you well. I am writing to formally dispute the claim of civil liability for negligence. 

As per Section XXXX, I understand the criteria for civil liability in cases of negligence, and I firmly believe that the circumstances surrounding the event do not meet these criteria. 


Given the facts of the situation, I respectfully request that this claim be reviewed thoroughly and dismissed based on the outlined reasoning. If necessary, I am willing to provide further documentation or clarification to support my position. 


Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/2018 I went into the branch of Bank of America located at XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX I was seeking to remove NSF feature from my bank account. If I do not have money in my account, I do not want the bank to pay anything. First of all my voice is loud and many people can mistake this to anger or raising of my temperment. The customer service rep for some reason sent my request to the Branch manager. In trying to explain my request, the Manager accused me of being angry. I raised my finger to make a point, & she yelled at me to stop pointing my finger at her. Banks are customer service bussinesses & this Manager proved that she lacks the skills to interact with upset customers, she was so unhelpful, that I left without my request being met. She was very happy to hand me a card with her Boss 's name on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting that I have XXXX accounts with them XXXX I know I opened in XXXX of XXXX ; the other is saying it was opened in XXXX of XXXX for a loan amount of {$7200.00} but that account is now charged off. If that was my account why would the company turn around and give me another loan less than a year from one another? I have tried to get this resolved with the company and they have done nothing but give me the runaround.
Product: Debt collection

Southern Management Systems has called various times since XX/XX/XXXX regarding payment to The XXXX XXXX. 
On XX/XX/XXXX a payment was mailed directly from me to The XXXX XXXX and management confirmed via e-mail receipt of payment and closure of my account balance. 
Southern management systems has called XXXX other times since XXXX to collect this debt that has already been paid. Each time it is difficult to understand the speaker on the phone, and he informs me that I must write a letter disputing the debt.
Product: Credit reporting or other personal consumer reports

XX/XX/year> To : XXXX  Office Of Attorney General, XXXX  Child Support Re : Notice of Dispute ( AND ) Request To Close Case File I have sent certified letters, as well as email XXXX XXXX  and XXXX 

Mailed Certified to XXXX XXXX XXXX, XXXX TX The Company has failed to respond to any of my phone calls or letters.

This is not a loan, nor is it a contract, yet this is being reported on my credit reporting agencies of Transunion, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked TransUnion on multiple occasions to validate the inaccuracies on my credit report. To this day they have not. I need TransUnion to provide proof that I was the sole account holder for XXXX XXXX. This account is not mine and was opened without my permission or acknowledgment. The second account is XXXX XXXX which is being reported as late. TransUnion mailed my most recent credit report and it states that I have never been late but still, they reported it as late which is affecting my credit score.

I need TransUnion to comply with law 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER.
Product: Debt collection

I have tried to explain that this was not me who created this account need help removing from my Credit
Product: Credit card or prepaid card

American Express is sending out upgrade offers for their XXXX XXXX card. The offers range from XXXX points to XXXX points. For some reason, I was only target for the XXXX offer, despite being a member for almost 30 years and spending well over $ 100K a year. I was interested in upgrading my card, but did not want to take the lesser offer, so I decided to call American Express to discuss my options. Amex CS transferred my call to Membership Consulting in XXXX, FL. After going back and forth with the rep, I asked to speak to a manager. The manager ( XXXX ) promised to call me back within a day or 2. She never did, so I called Amex and filed a complaint about XXXX. Few days later I got a callback from XXXX who promised to look into the situation and let me know within 2 days. She said she had some contact at American Express who might be able to help us. She didn't call back as promised but did call the following day and left a VM. She claimed that she was still working on it. Few days passed without hearing back from XXXX, I called back only to find out that she was on vacation. 

Membership Consulting in XXXX, FL needs to be investigated as most of the reps don't help and they try to cover for each others.
Product: Debt collection

this debt collection company ( COLLINS ASSET GROUP ) has illegally obtained my information and used It to obtain credit from other Financial institutions without my consent.My consumer rights have been violated, and I want the cfpb to remedy this issue asap. please see all attached documents
Product: Credit reporting

To whom it may concern, I submitted a Multiple Inquiry Removal dispute via Equifax 's online portal in regards to XXXX hard inquiries, that was being reported on my credit report. They received the request on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response the EXACT same day after the receipt of my request one can assbume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, there were a few orders I used my card for, where the orders were either not delivered or not delivered in tack to merchant policy. After trying to work with the merchants, three required a dispute involvement. TD cancelled the card ( s )  and replaced them with new ones. The disputes were ruled in my favor, after additional information was requested and provided. The balance of those amounts were refunded to the old account number of the cancelled cards ( not the current card/account ). It took 3-4 months to get one of the three 's  refund applied to the current account ... an additional 4 months for the second ... and almost a year later I am still awaiting the third 's refund to post to my current account ( ideally with the interests added in the last year to the initial charge ). Since then I have requested my contact information with my address be updated, and it took almost 7 months to have a TD representative correct this on all systems. In XX/XX/XXXX of this year there was a fourth dispute that required a TD involvement. There was not a new card replaced, however in XX/XX/XXXX/XX/XX/XXXX a TD representative ( XXXX/XXXX/XXXX name and a woman ) contacted the merchant ( XXXX ), who confirmed a refund of XXXX was due to the account, but she was not the person to bill it correctly. I was told by TD this conference call was recorded for records. To get information from this case, I had to call the department almost 20 times over a 5 month period. As of XXXX  2017, my account balance is reported incorrectly ( by about XXXX $ USD and interest ) as well as incorrectly reporting my mailing address for over a year while have representatives claim to have 'fixed ' the error and being told to wait 10 business days, just to have to call every two weeks for several months.
Product: Debt collection

In XX/XX/XXXX, I switched my service to XXXX XXXX XXXX. On XX/XX/XXXX, I called XXXX because I was unable to pay online since they had shut down my online account when I switched. A customer service representative processed my payment of {$530.00} and confirmed that all outstanding balances were settled and my account would be closed. However, in XX/XX/XXXX, I received a call stating that my account was {$2000.00} past due. I requested a detailed statement to understand the charges. The representative informed me that they could not access my account details because it was closed. XXXX continued to bill me for services after I had switched to XXXX XXXX XXXX  XXXX which I consider fraudulent. As a result, they sent my account to collections. I kindly request that this debt be removed immediately, as I was not using their service during the period in question, and my balance was confirmed as paid in full in XX/XX/XXXX, with the account closure verified.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 card or prepaid card

This was received as part of a fraudulent unemployment insurance claim. The credit card issued is from USBank and is a Reliacard. My problem with USBank is that there is no way to speak with an individual or do anything but activate the card. As the card is fraudulent and the scam is that once there is no activity on the card, the fraudster calls and asks for a new card and/or PIN to be sent to a different address, doing nothing only perpetuates the fraud.
Product: Money transfer, virtual currency, or money service

I added a guy on XXXX  that goes by the name XXXX   he lives in the XXXX and he posts videos of him buying item clothing and electronics and shipping it to people that buy from him, I bought a XXXX from him on the XX/XX/XXXX he said the XXXX would come between XX/XX/XXXX- XX/XX/XXXX i sent him {$110.00} for the XXXX, I then messaged him for the tracking number and he didnt answer I then messaged him again and he blocked me
Product: Debt collection

There was a collection on my credit report through another credit collection company, which I disputed and it was then removed only to be bought by another collection company called Ability Recovery Service. I have requested the original credit application with my signature and any other information that would allow me to verify the debt is mine. Furthermore, the previous company told me it was a XXXXXXXX XXXX XXXX  through XXXX XXXX, I do have a XXXXXXXX XXXX  with XXXX but it is in good standing and paid every month. Also, according to the letter sent by ability recovery service this debt is almost 6 years old. Isnt the statute 3 years in NY state? I would like for this to be removed from my credit report as it is not my debt and I have not received anything verifying its my debt. 
I also went through all my debt two years ago and paid everything that was showing as a collection or negative account so I dont understand how this can surly show up out of no where. 
I have attached the letter that was sent to me from ability and I sent back on XX/XX/XXXX with no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account paid in FULL via phone with XXXX XXXX : Tuesday XX/XX/XXXX. 
XXXX XXXX can not provide proof as to why suddenly additional amounts are owed. Have spoken to over 15 XXXX XXXX  representatives trying to 1. get an exact dollar amount, which I cant 2. Have them provide me reasoning why this is owed. I have been in constant contact with XXXX XXXX. Recently spoke to XXXX XXXX regarding initial CFPB complaint. They advised me not to worry and that its being looked into, and that they would be in touch. Two days later ( on XX/XX/XXXX ) they put a derogatory mark on my credit. This is not fair. They are really interfering with my life. I have been trying to work with XXXX XXXX  to resolve this with 0 assistance in the matter. They can prove me no documentation and no one will work with me. 
Please note : Married Name : XXXX XXXX ( EST. XX/XX/XXXX ) Maiden Name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under law Delete these accounts from my credit report XXXX, XXXX and Equifax, as well as these Consumer report Agencies *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 ( Right to Recisson - Return Property Aka my car returns to me by law ) loss of wages and damages $ XXXX check made payable to me. 
XXXX XXXX XXXX Collection Charge off XXXXXXXX XXXX XXXX ( Student Loan sold debt by Dept of Ed which breach Right to privacy ) XXXX XXXX XXXX - Breach of right to privacy sold debt and loss of wages results in damages $ XXXX check made payable to me Laws and Rules that were broken : 15 U.S. Code 1692c ( C ) 15 U.S. Code 1692c - Communication in connection with debt collection ( Reporting to your consumer report is a form of communication ) -Cease Communication/ Cease collection/ Cease Reporting on my Credit Report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( Didn't give any company the right to publish that info on your credit report ) 15 U.S. Code 1681s2 - Responsibilities of furnish of information to consumer reporting agencies. 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. 


15 usc 1681b ( a ) ( 2 ) Needs Written Permission to Furnish ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 



Right to Recisson ( 2 ) When the right of rescission is exercised under subsection ( 1 ) of this section, the debtor or person exercising the right of rescission is not liable for any credit service charge, loan finance charge or other charge, and any security interest given, including any such interest arising by operation of law, becomes void upon the rescission. 


Social Security Number is a form of Credit card ( 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. ~Social Security Number~ is a credit card