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

I have disputed with XXXX my legal name and spelling, my correct address and my correct social They continue to have and continue to report improper names. 2 social security numbers, multiple addresses.

They have confirmed and verified apparently but yet which social security is mine?

What is the correct legal name of mine?

What is the correct address for me They have lied by their investigation results. They can not investigate and confirm which account belongs to what name nor can they confirm what social security is mine Only I know my social security number and legal spelling of my name
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> To : PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX VA XXXX Subject : Request for Debt Validation and Dispute of Account XXXX Dear PORTFOLIO RECOV ASSOC XXXX I am writing to dispute the validity of the debt referenced below as reported on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Section XXXX ( b ) ( XXXX U.S.C. XXXX ), I am requesting that you provide full validation of this debt. Until proper validation is provided, I request that you cease all collection activities on this account and stop reporting this debt to any credit reporting agencies. 

Please provide the following information as required by law : Proof of the debt : Full itemization of the amount owed, including how the amount was calculated. 
Verification of ownership : Proof that I am legally obligated to pay this debt, including the original agreement or contract. 
Legal right to collect : Documentation showing that your agency has the authority to collect this debt on behalf of the original creditor. 
Chain of title : Any documentation showing that the debt was transferred or sold to you. 

Please note that failure to provide the requested validation within 30 days will result in me taking further legal action, including filing complaints with my states Attorney General, and seeking legal counsel under the FDCPA. Additionally, be aware that Section XXXX of the FDCPA ( XXXX XXXX. XXXX ) provides that debt collectors who fail to comply with these requirements may be liable for damages, including actual damages, statutory damages, attorneys fees, and costs. 

I expect a prompt and thorough response to this request. Please send me all information and documentation concerning this account in writing. 



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

To Whom It May Concern, I must insist that you promptly eliminate any unsubstantiated assertions mentioned either above or below in your documentation. To be eligible to disseminate alleged information, you are required to satisfy the basic criteria. I categorically reject the legitimacy of any statements that lack verifiable evidence, even if they adhere to the requisite reporting protocols stipulated for certification. This includes adherence to the indispensable XXXX XXXX Compliance guidelines outlined by XXXX in their XXXX, which unequivocally declares that any departure from these norms poses a threat to the veracity of the data. Listed below are the Inquiries that are being challenged. 

XXXX - XX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX - XX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Product: Credit card or prepaid card

SYNCHRONY BANK PAYPAL MASTER CARD. 

I have been used this credit card for almost 10 months on row, paying on time and all.Today all of a sudden o get notified by buru office that my credit catd has been closed. 
I called the bank and they said that was because of inactivity. 
The reason that has been provided is not true.i has used this card for almost all my day transactions, so its not convincing to close my account that way.
Product: Prepaid card

Today XX/XX/24 I bought an AMEX gift card. No online retailers will accept it. I have tried XXXX and other retailers. I have tried everything to get it to work on websites, but it is unspendable and was a big waste of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX please remove this inaccuracy from my report. I was never late on this account- Please check the status on this account 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

I am a successful business owner married to a professional XXXX. We share joint bank accounts and file taxes jointly. My business uses a XXXX American Express in excellent standing. For personal expenses, we use my husbands personal American Express card. We hold other credit cards in each of our names, however his American Express is our preferred means of paying so that we can accumulate the rewards that come from using XXXX account. 

Due to a personal bankruptcy of mine 10 years ago, I have not been able to get a personal American Express in my own name. We are forced to put all our household expenses on my husbands account. This is a source of shame that I am unable to have my own card in my own name. I have tried personally to get this resolved. Other credit card companies have given me small credit lines which over time I was able to build up. American Express will give no such process or insight on how long this will go on. They say you can continue to apply but will not say if this is an indefinite amount of time or if there is some thresh hold I must meet. Since it has been over 10 years, I have great credit I wanted to know what process I needed to go through to have this decision reconsidered. 

I was told by the New Accounts and Decisions department that they can not give me any such information. They went on to say that i need to get a bankruptcy attorney to reach out to them to get an answer. After retaining a bankruptcy attorney and paying them a retainer to review the case, American Express replied with the same automated response that they retain the right to decline any application based on a bankruptcy with no further information, only now I am out {$650.00} for the attorney and the same lack of information.
Product: Bank account or service

I opened a checking account with Chase as I was changing jobs and it seemed like a good time to make the switch since they advertised a promotional free {$200.00} when opening an account and enrolling for direct deposit. I generated the coupon code and presented it to the banker before he opened my account and was assured that it would be entered. 

About a week after getting my direct deposit I contacted Chase asking when promotion would be depositied into my account, and provided the coupon code as well as the Date/Time it was generated making sure it was on my account. I was then told that since it had been over ten days that I would have to go to a branch, which I did. 

The branch acknowledged my coupon, and was unable to enter it and I was told to contact support. I contacted support back who thanked me for my business but that they could n't enter the coupon. 

I am in no way at fault here as the banker failed to enter the coupon ( yet it was acknowledged it was valid ) and that was a primary reason I opened an account with them in the first place. If you are going to advertise a coupon you ca n't simply ignore it and then say it 's too late when the time to notice it is longer than the time it would take to show up. It takes up to ten business days for it to be credited to your account, yet you have ten days to tell them to enter it ( after it was already presented )?
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX INQUIRY : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. I want the fraudulent account to be removed from my report immediately because they hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit reports from XXXX, Transunion and XXXX and saw there were multiple inquiries I did not recognize and did not authorize. I contacted the credit bureaus multipe times and they would not help me and gave me the run around. They eventually informed me to make a report on FTC regarding said inquiries : 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 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: Student loan

As per the CARES Act, I called Aidvantage on XX/XX/XXXX and made two requests : 1 ) That all payments made to my Federal Student Loans between the dates of XX/XX/XXXX to XX/XX/XXXX be refunded to me and 2 ) To request that my future automatically scheduled payments be paused until the end of the moratorium.

During said phone call, I was advised that a refund in the amount of {$2100.00} would be directly deposited into my bank account in 2 to 3 weeks. During this same call I was also advised that all of my future automatically scheduled payments would be paused and would not resume until XX/XX/XXXX. 
On XX/XX/XXXX, about a week after the phone call above, a payment was automatically drafted from my bank account in the amount of {$94.00}. I called Aidvantage to request that these {$94.00} be refunded back to me in addition to the previously discussed {$2100.00}, and again requested that my future automatically scheduled payments be paused. During this phone call I was advised that both refund amounts of {$2100.00} and {$94.00} would be refunded to me via direct deposit by XX/XX/XXXX. The {$94.00} was refunded to me on XX/XX/XXXX. 
Since the phone call made on XX/XX/XXXX, I have made four ( 4 ) additional phone calls, and I check my account profile online for status updates regarding the refund amount of {$2100.00} multiple times a day. 
During my most recent phone call with Aidvantage on XX/XX/XXXX, I was told that the refund in the amount of {$2100.00} should be refunded to me via direct deposit within 5-10 business days. However at the time of this writing I still have not received the refund of {$2100.00} nor has my account online been updated with any status updates. At this point I feel that Aidvantage is purposely withholding my refund. Without the assistance of the Consumer Financial Protection Bureau I do not believe I will ever receive this refund.
Product: Credit card or prepaid card

The card is thru Discover. I called them to see if they would lower the interest rate on my account since i have been with them since XXXX and have never missed a payment. I first called them on XX/XX/XXXX and they offered a 6 mth program which lowered the interest rate down to 9.99 % but for only 6 months. 

I enrolled in that program and was now that the 6 months is over the interest rate has gone to 22.99 %. I called Discover yesterday, XX/XX/XXXX and was told they can not offer and are not offering any help due to the covid 19. I expressed my concern why they are not willing to work with their clients like other credit card companies do. But the lady i spoke with just keep stating that there are no plans and since i just did the 6mth hardship that i am not eligible for any programs for 1 year. 

I have never paid the bill late, i pay early and usually pay more then the mininum. I don't want the card any longer and with interest rate so high it will take forever to pay it off. i have tried to get personal loan to consolidate and pay the card off but no luck. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX EMPLOYER : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I bank with capital one and my direct deposits from my job are sent to that bank account. Well apparently there was some type of shut down on capital ones end and I received no notification of this. Not a Email, call, or text I had to do research to find out why I wasnt getting my money. My checks usually come into my account every Thursday by XXXX I didnt get my check until Saturday morning. I have already picked up late fees from missed payments on my car note, credit card and my WiFi bill because of not being able to access my money through capital one. This is unacceptable the lack of communication is by far the worst part about it I sat on hold with capital one for a hour and no one ever picked up.
Product: Credit card or prepaid card

In XX/XX/XXXX, someone stole my identity and used it to open a pay pal credit card issued through Sychrony Bank. I didn't find out about this fraudulent account until XX/XX/XXXX, during the underwriting process for a home loan to purchase my first home. This fraudulent account dropped my credit score by 250 points and the purchase of my first home fell through. Naturally, I contacted the bank, the credit bureaus, the police department and the FBI website ( www.IC3.gov. ).

I believed I had taken all the necessary steps to have my name and credit cleared of this theft/fraud. Today, I learned that an investigator for Synchrony Bank had denied my claim and closed the fraud case because Synchrony bank had sent a statement to the fraudulent person at their address, not mine, and that person then made a payment on the fraudulent account.

The investigator assumed since a bill was received and payment was made there must be no fraudulent action and closed the case.

Synchrony never updated their system with my actual information that I provided them when I discovered the fraud. Of course, whoever stole my identity is going to receive mail to the address they provided! My  credit has been destroyed, this company is the antithesis of helpful. I am homeless. My credit is destroyed and this makes renting and buying almost impossible. I am living with my parents because of the lack of accountability within this company.
Product: Student loan

I have been trying to pay the balance down by paying extra on each payment and sending in a small amount in addition to that. The company is not applying the extra to my principal balance - despite the fact that I am current. When I asked about it they gave me some ridiculous line about the simple interest calculation. It sounds like a corrupt practice and is definitely causing me harm. Additionally, they are not providing me regular statements, sometimes going months between statements ( no XX/XX/XXXX statement ever produced or received, no statements in XX/XX/XXXX or XX/XX/XXXX ) Here 's what they told me : Account : XXXX Thank you for contacting Firstmark Services. 
The interest on your student loan ( s ) is calculated using the daily simple interest method. Your interest accrues at a daily rate based on the principal balance and interest rate of your loan ( s ). 
To calculate how much interest has accrued on your account since your last payment, do the following : 1 ) Multiply the principal balance by the interest rate ( i.e. {$10000.00} x XXXX = {$800.00} ). 
2 ) Divide this amount by XXXX, which is the number of days per year ( i.e. {$800.00} / XXXX = {$2.00} ). 
3 ) Multiply the daily rate by the number of days since your last payment ( i.e. {$2.00} x XXXX = {$10.00} ). 
4 ) This is the amount of interest that has accrued on your account. 
Please note that when a payment is received, it is first applied to any fees ( if applicable ), then to accrued interest, and finally to principal. 
Your previous payment was received XX/XX/XXXX, and your most recent payment was received XX/XX/XXXX. Since 23 days elapsed between payments, {$410.00} of your payment was applied to interest. 
We appreciate the opportunity to serve you as a valued customer. If you have any other questions, please respond to this e-mail or visit our website at XXXX. 
Sincerely, Firstmark Customer Service
Product: Mortgage

We are brothers and Veterans on this mortgage. We have fallen behind and Embrace, XXXX, has requested duplicate documentation and has denied receiving faxes. We are in foreclosure and documentation timeliness is very important.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

+ 13 I want the CFPB to publish description on consumerf gov
Product: Prepaid card

Back in XXXX I was a severe victim of identity theft.in XXXX i got XXXX  3 times and almost XXXX XXXX.and also got robbed and as a result someone Stole my ID, SOCIAL, BIRTH CERTIFICATE, RELIACARD, CREDIT CARDS AND OTHER DEBIT CARDS.XXXX dollars was removed fraudulently from my US RELIACARD.credit inquiries were made XXXX more credit card accounts were open and maxed out, all my banks was accessible, credit profile was accessible, even sold my information and put it on the DARK WEB and PLUS student loans were took out in my name in XXXX XXXXi had to go file another ID THEFT POLICE REPORT due to me being homeless now due to me going through this situation for over a year.i need to get this handled. I gave this company my FTC REPORT POLICE REPORT AND MORE, WASNT RESOLVED AS A VICTIM -report already got approved officer contacted me already regarding this serious sad concern.