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

This letter is regarding account # XXXX, which you claim my account was late 1 time. My Credit Card with a balance of {$250.00} account was NEVER LATE and the status should be CURRENT. It is reporting incorrectly on all 3 Credit Bureaus ( XXXX, XXXX  and XXXX  ). This account should not have ANY late payments AT ALL. I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Product: Mortgage

My mortgager account is set up for automatic payments from my bank every XXXX of the month. It has been this way for years with no issues - until I received a letter on XX/XX/XXXX saying the payment from XX/XX/XXXX was not received. 

After an hour of dealing with my bank back office, I was advised a payment was in fact made on XX/XX/XXXX and verified. After a week of no resolve and constant voicemails from XXXX, I finally got thru to someone after an hour wait. I advised that there was no outstanding balance as they received the payment of {$370.00} on XX/XX/XXXX as always. I then provided the agent the banks proof info, upon which I was told I had to email the information in, yet another theft of my time. 

On XX/XX/XXXX at XXXX i sent the email, after 5 days of frustration and incompetence from the Loan company. I sent the email, got verified it was received, and heard nothing from them. The XXXX bill showed a missing payment still, so again I called for clarification. I was advised it was a crossover bill generated and that the account was fine. 

Three months later, it's still showing as missing and late, with late fees accrued and long phone wait times making it hard to get a real person. Additionally, my login information is not working, and the reset instructions are not allowing a reset for access. 

This issue was in error from the start, but the fact that 4 months of harassing letters and illegitimate fees and late status is ridiculous, being that the payment cleared to them and the ACH # was provided by bank showing the payment - yet somehow this verification has failed to ensure the XXXX company follows thru on fixing the account. Email is attached and bank clearance showing payment is attached.
Product: Credit card or prepaid card

On Friday XX/XX/XXXX, I received a credit card I never applied for. It's the XXXX XXXX XXXX XXXX, provided through Comenity Bank in XXXX, Ohio. Its the actual CARD with the account number, and not a credit card offer. Its slate grey with XXXX XXXX logo on it. It doesnt specify if its XXXX XXXX XXXX or etc. But the attached letter does say it has a {$250.00} starting limit. I also received a couple e-mails from my credit monitoring service saying this account was opened a couple days ago, so I know its real and its now impacting my credit reports. The problem is I was never the one who applied for this card. 

My credit monitoring also looks like someone was trying to apply for an XXXX XXXX card in XX/XX/XXXX, also through Comenity. 

Well I have a vile stepmother whos originally from Ohio, and Im sure she still has friends there. She was HIGHLY likely involved in a credit card theft that occurred after my father died from XXXX in XXXX, among other crimes, and I know for a fact she has access to my social security number from my fathers paperwork. I cant say for sure exactly what she did because theres so much insane backstabbing and silence within my family. I find all of this deeply disturbing, IF theres any kind of connection between the family nonsense and these fraudulent credit card applications in Ohio. She would be in her early 70s now. She currently lives in XXXX XXXX from the last I heard ( several years ago ). 

Im submitting this report through the PA Attorney General and the CFPB. Im not complaining Comenity themselves necessarily did anything wrong. But someone, somewhere is doing some scary, not-nice things with my identity and it needs to be stopped. Im also in the process of trying to call Comenity XXXX XXXX fraud department at XXXX but the automated call service is telling me the department is currently closed and I should try again later. Probably because its Saturday ( XX/XX/XXXX ), but it doesnt give me a time I should call back. I DO NOT want to try calling the card activation number on the welcome letter, because this is not something I legitimately applied for!
Product: Credit reporting or other personal consumer reports

My credit card account Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported closed on XX/XX/year>. On XX/XX/year> they reported a late payment on my credit report. They can not report late payments on a closed account. I would like them to remove the late payments immediately
Product: Credit card

Synchrony Back Credit Cards Arbitrarily Closed all my credit cards upon waking up this morning and trying to use one card to pay a bill.

This will now create a SERIOUS impact to my credit, ability to obtain credit needed for any emergencies as my utilization rate will now skyrocket and score will plummet. I will not be able to get a mortgage or loan. I take care of a family of four including medical and mental health issues. This is and will continue to cause me and my family financial, mental and potentially physical harm. My credit may take years to recover from the egregious actions taken by synchrony bank. 

The approximate total available credit removed was the following : XXXX credit cards including XXXX and retail cards with approx total credit limits in the XXXX of thousands lost. 

I am utterly distraught, this has impacted my ability to focus on my job, family and is causing me great mental anguish at the long journey I have made to recover my credit to where it is and now it's all lost ALL due to the actions of synchrony bank. 

I don't know what to do now, this impact on my life is irrevocable.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
TOYOTA MTR XXXX Balance Owed : {$2600.00}
Product: Debt collection

I was checking my credit report and came across this collection on my credit. I was not notified or given the right to dispute the balance ... The last balance was XXXX and they are reporting XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX / XXXX / 120 days late XXXX XXXX XXXXXXXX XXXX XXXX XXXX 120 days late XXXX XXXX XXXX / XXXX XXXX 120 days XXXX XXXX XXXX XXXX XXXX XXXX / 120 days XXXX XXXX XXXX XXXX / XXXX / 120 days XXXX XXXX XXXX XXXX XXXX XXXX / 120 days late XXXX XXXX XXXX XXXX XXXX XXXX 120 days late XXXX XXXX XXXX XXXX XXXX XXXX 120 days late XXXX XXXX XXXX / XXXX XXXX 90 days XXXX XXXX XXXX XXXX XXXX XXXX / 90 days late XXXX XXXX XXXXT / XXXX / 90 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This month I noticed a recurring monthly charge for {$24.00} since XXXX from TransUnion. I immediately called TransUnion and asked what this was about. The first person I talked to said I was not a member of TransUnion and I should not have been charged the {$24.00}. He asked me who was charging me {$24.00}. Confused, I answered - you guys, my credit card says TransUnion has been charging me. He said he did not see those charges and transferred me to another individual. At this point I thought a fake TransUnion was charging me and that I was experiencing some sort of fraud. 

The next individual asked me some questions and then said I was supposed to be charged {$24.00} per month. I said, I don't understand I never signed up for a monthly membership, I requested a credit report once and then immediately cancelled any further recurring fees. She said she could cancel my membership and refund me the most recent charge, but would not refund me the other 6 months. I asked for her manager and she said she was a supervisor in charge. I asked for her name, and she said XXXX but would not give me her last name. I asked if she could send me what records she regarding my monthly membership and she refused to provide them to me. I asked her in five different ways to provide me with records indicating I should be charged {$24.00} per month and she refused to provide me with my records. I told her I had cancelled any membership and she did not care. 

I take copious notes on most of my transactions and phone calls because I'm an attorney and I know memory can fail anyone. When I checked here, I found that I specifically wrote down that I cancelled this membership, like I remembered. I am flabbergasted by TransUnion 's absolute refusal to be transparent provide me with the records XXXX continued to refer to to charge me hundreds of dollars for a service I did not use. Furthermore, I am more shocked when I see my own notes confirming that I cancelled this service, which appears to be confirmed with the first TransUnion representative I talked to who said I was not a member, and then the hostile attitude and refusal to accommodate my reasonable request by XXXX. While on hold on the phone, TransUnion was advertising their free credit reports every 7 days due to COVID. That they would try to, frankly fraudulently, procure hundreds of dollars from me for something that should be free is horrific. 

I thought TransUnion was supposed to be a trusted major credit reporting company - Consumers really only have 3 choices. If 1 out of 3 of these choices appears to be ripping you off, who can you trust?
Product: Credit reporting or other personal consumer reports

In XXXX with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX - Account # : - XXXX XXXX - Account # : - XXXX XXXX - Account # : - XXXX XXXX - Account # : - XXXX XXXX XXXX - Account # : - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : - XXXX XXXX  Account # : - XXXX XXXX  Account # : - XXXX {$690.00} 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convic
tions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit card or prepaid card

They have blocked access to my {$600.00} stimulus funds I am receiving errors on Money Network automated system and online account which blocks me from obtaining my {$600.00} stimulus money. I have called 8 times and each time the issue is unresolved. I have been told each time a supervisor will call back in 24 hours, but I have never received a call back. I have tried multiple times to transfer money in my account and it errors out and the agent says my bank refused this electronic transfer, however my bank has no record of any bank transfer Ever being attempted. I have verified the bank account number and routing number and it is correct. I just want my money. I have spent over 8 hours on hold for these many calls. At one point I also asked for a check, however the online account shows no evidence of this and you are unable to request a check online. And as far as ATMS, I am XXXX and would only be able to drive up to an ATM, however every ATM in there network is inside a store where for health reasons I can not go. I find there ATM network discriminatory and there customer service severely lacking. Please help me obtain my money. I am highly suspicious that this is purposefully done as to be able to hold on to your money as long as they can ... This is an impossible situation That I am unequipped to resolve.
Product: Credit reporting or other personal consumer reports

I have contacted American Express on multiple attempts for the account AMEX Business Platinum to remove the charge off on my credit report. They have violated 15 USC 1611. It is now a charge off which is considered a certificate of indebtness on my credit report and income can't be reported on there. Not only that, I've never gave them permission to report transaction history to third party companies nor have they asked me for permission 15 USC 6802. They also have violated the following 15 USC 6801 - Protection of nonpublic personal information. In the terms & conditions of AMEX, it specifically says that my information will not be reported to third parties in which the 3 credit bureaus are a 3rd party. This blemish on my credit report has caused grief to feeding my family as I can't apply for business loans or credit cards at all. According 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods, they were supposed to provide me a form of opt methods but I have never received anything, via mail, verbally, or email. I have attached a letter that I've sent to AMEX in XXXX. I've sent the letter multiple times with no resolution despite citing 26 CFR 1.1232-1 - Bonds and other evidences of indebtedness ; scope of section
Product: Debt collection

A representative called me on XX/XX/2015 regarding a debt a relative has, I explained I have nothing to do with the debt and requested no contact, they assured me they would take me off as contact. On XX/XX/<YYYY> I received an automated call regarding the same debt owed by a relative. I called again to ask that they remove me as a contact, " XXXX '' stated that the relative would need to have them remove me. I asked why she could not remove me as an non-involved part that did not want to be contacted, she again stated that the relative needed to have me removed from their contact list. I asked if they followed FTC regulations, she stated they follow their own regulations then put me on hold and did not return to the call.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and i am submitting this complaint without error or influence of any third party agency please see my attached documentation as it contains my request
Product: Money transfer, virtual currency, or money service

I was trying purchase a home I was sent documents and everything it looked so legit I paid the first month and last month rent and also the security deposit all which equaled up to XXXX On XX/XX/2024 I wire a payment of XXXX XXXX dollars to and TD BANK ACCOUNT HERES THE NAME AND ACCOUNT NUMBER NAME XXXX XXXX Account number - XXXX Routing number - XXXX The other Wire was On XX/XX/2024 a paid ment for XXXX was wire to NAME - XXXX XXXX Account Number - XXXX Routing Number - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Mortgage

My XXXX payment was misapplied by TMS Customer care for XX/XX/XXXX. I have called repeatedly requesting assistance with this error. My account is showing delinquent. But it is not. I am only due for my XX/XX/XXXX payment. I have also still not received my escrow surplus from XXXX. My payments are paid outside of my Chapter XXXX, and each month I make my payments directly to the money source. Customer care has been unwilling to assist. 

Loan number : XXXX
Product: Payday loan, title loan, or personal loan

I needed cash and this seemed like a good idea. I was not aware of the excessive interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX CARD Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint and request an investigation into the actions of XXXX XXXX XXXX regarding my credit report. I have recently discovered several discrepancies that I believe are in violation of consumer protection laws and credit reporting regulations. 

Account Information : Creditor : XXXX XXXX XXXX  Account Open Date : XX/XX/XXXX ( XXXX & XXXX ), XX/XX/XXXX ( TransUnion ) Closed Date : XX/XX/XXXX ( TransUnion only ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( TransUnion & XXXX ), XX/XX/XXXX ( XXXX ) Credit Remark : Reported as a loss by credit grantor ( XXXX ) Last Payment Date : XX/XX/XXXX ( TransUnion & XXXX ), XX/XX/XXXX ( XXXX ) The following issues indicate non-compliance with relevant consumer protection laws and credit reporting guidelines : Discrepancies in Last Activity Date : The date of the last activity on my credit report is stated as XX/XX/XXXX for TransUnion, XX/XX/XXXX for XXXX, and XX/XX/XXXX for XXXX. Such a significant difference in the last activity date is concerning, as it suggests inconsistencies in reporting across the three major credit bureaus. This lack of uniformity raises questions about the accuracy and fairness of the information reported, potentially violating the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Credit Remark : The credit remark stating " reported as a loss by credit grantor '' by XXXX is misleading and potentially damaging to my credit history. This remark is not only unclear but may be inaccurate, violating the FCRA 's requirement for creditors to report accurate and fair information. 

Date of Closure Discrepancy : The account closure date is reported as XX/XX/XXXX by TransUnion only, with no corresponding information for XXXX and XXXX. This disparity creates confusion regarding the status of the account, making it difficult to ascertain the account 's history and compliance with the FCRA 's regulations. 

I kindly request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations of the Fair Credit Reporting Act. Furthermore, I would appreciate your assistance in addressing and rectifying these issues with XXXX XXXX XXXX, to ensure that my credit report accurately reflects my financial history in accordance with the law. 

Please find enclosed copies of my credit reports from TransUnion, XXXX, and XXXX, highlighting the discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance on how to proceed in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit profile for the first time in 4 years, and I saw several unknown suspicious accounts that are not mine. I have never applied or seen these accounts in my life. Please remove these fraudulent accounts from my report. I need my identity back. I been having to many problems over this situation I am having. 

XXXX XXXX XXXX  XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX XXXX   XXXX {$630.00} XXXX XXXX XXXX XXXX ORXXXXXXXXXXX {$60.00}
Product: Debt collection

This debt is XXXX XXXX  old 2003 a credit card with my ex husband. They just sent a wage garnishment from the courts. I am XXXX XXXX XXXX on social security and a government pension which are both exempt. How are they allowed to do this with a XXXX XXXX old debt. I believe they are a scam company.