23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Signed contract in XXXX XXXX California for a lease of XXXX XXXX XXXX XXXX Set payment INCLUDING sales taxes was XXXX per month. US BANK unilaterally, and without proper documentation or notice, raised the lease payment monthly rate in XX/XX/XXXX to XXXX per month. They refuse to provide documentation and claim a change in sales taxes, however no such change in the state of California occurred. They are committing fraud by changing rates and then not providing adequate explanation or recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

On XX/XX/2023 a debt was added to my credit file. I was given no previous correspondence as to the debt existing. I called XXXX XXXX  that XXXX  to inquire and promptly paid the balance. However Transworld is still reporting this dept and refuse to send me a deletion of account letter or paid in full letter. I am scheduled to close on a home in XXXX weeks and this collection has reduced my score to below the qualification level. I have a large earnest money deposit on the line. The original bill is not my home and I am doing further investigation to see where the charges are coming from. Meanwhile I have made the creditor whole and need this rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an original account with Walmart synchrony bank it went to collections to a company called XXXX XXXX XXXX. I settled the account in full for less then the original amount, however I was told I would owe nothing further after this. XXXX reported my payment back to synchrony bank with a balance of {$210.00} which was the forgiven or pardoned amount in their words. After contacting synchrony bank I was told that the balance will still show as {$210.00} on my credit report and they have no ability to take a payment from me for that remaining balance. They can not report an amount that can not be paid so I want to make sure they clear this balance out to XXXX  I spoke with an agent XXXX with synchrony and she also processed a request to her credit department to make sure that this balance is XXXX. They should not be able to report this remaining balance if it was forgiven and if they will not accept a payment going forward. Thank you.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2020 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXXXXXX XXXX  Account number XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 convictions 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 inaccurate.
Product: Credit card or prepaid card

Hello I have received a {$25.00} Vanilla Gift Card as a gift years ago. Considering the fact that money does not expire, I had no urgency to use it until recently. I now notice that there are multiple fraudelent transactions on my account. Please note, I researched Vanilla Gift Cards and I see many people are losing money with this company. There are multiple horrible reviews and stories on the consumbe reports. 
I have tried working with them on re imbursing the money that I feel like was stolen from me. 
I sent them a request on XXXX XXXX. Sent them another request and for an update on XX/XX/2022 and another one on XX/XX/2022 only to be ignored by them. 

This is absolutely unprofessional and unethical. I am not sure how this company is still allowed to sell gift cards. 

Please reimburse the money that was stole from me. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my personal credit report and found the credit bureau reporting the following addresses that does not belong to me. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX
Product: Credit reporting or other personal consumer reports

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated XXXX XXXX ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to optout of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information.

I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.

The listed agency also failed to investigate my claim after receiving my request and proof of indentification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts with XXXX XXXX as well as the Credit Agencies to CORRECT the INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I have NOT received an Answer to the 3rd Request to XXXX XXXX regarding a specific account ( s ) reporting Utilization. THIS IS A VIOLATAION OF THE FEDERL LW. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. XXXX Continues and refuses to delete and remove utilization and ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms of information ANY OTHER ADVERSE item of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. They were Noticed and demanded to STOP and or Adjust the utilization. THEY DID NOT Completely ignoring the Law. I want the utilization corrected immediately!
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$160.00} XXXX  XXXX Balance : {$800.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX  XXXX Balance : {$800.00}
Product: Credit card

Like all my other banks and financial institutions I conduct business with, I sent Chase Card Services of XXXX, Delaware, XXXX, a Change Of Address letter in writing on XX/XX/XXXX, that my address changed from XXXX, XXXX, IL XXXX To : XXXX, IL XXXX, in an effort to protect my identity under the Identity Theft and Assumption Deterrence Act of XX/XX/XXXX by making sure my sensitive account information was not misdirected to the wrong addressee. Every institution complied immediately but JPMorgan Chase & Co. To date, my neighbors are still receiving my credit card statement ending in XXXX. I believe this is because Chase Bank USA , N.A . is ran by a XXXX who delight in harassing and tormenting people of XXXX American decent as myself as this is highly inexcusable conduct. Since JPMorgan Chase & Co. / Chase Card Services / Chase Bank USA , N.A . is too incompetent to handle the financial affairs of Americans protected by the Fair and Accurate Credit Transactions Act ( FACTA ) of XX/XX/XXXX, I demand a cease and desist of my credit card activity with this bank and/or its entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has 2 balances reporting on my credit report from XXXX XXXX XXXX that I am not aware of. A balance of {$25000.00} ( XXXX ) and {$3500.00} ( XXXX ) has been reported open as of XX/XX/2023. This is incorrect/inaccurate reporting. I DO NOT OWN THESE DEBTS, NOR THESE ACCOUNTS, WHICH ARE REPORTING OPEN. Please DELETE them from my credit report pursuant to 15 USC 1681 and 15 USC 1692. I have included all necessary documents including an FTC Theft Report ( Ref # XXXX ). Thank You.
Product: Credit card or prepaid card

XX/XX/2023 - {$270.00} - XXXX XXXX XXXX XXXX XXXX I contacted the merchant XXXX XXXX XXXX XXXX XXXX regarding a refund on the transaction listed above and they had originally agreed to issue me a refund because it was within 48 hours of the transaction and I surrendered the registration and plates I had purchased. This interaction was via email and 5 days went by and I still haven't received a refund therefore I started a dispute with CITI BANK. CITI BANK is not willing to resolve my dispute because of " proof '' the merchant has sent them and won't disclose what proof the merchant has sent to " validate '' the transaction. I have sent CITI BANK proof of our e-mails and receipts and yet they won't help me get my money back.
Product: Debt collection

I Am Receiving Repeated Robo Calls For A Debt I Do Not Owe : '' Credence Resource Management Is Based Out Of Texas But It 's Their Idaho Branch That Is Harassing Me From Several Different Phone Numbers With A XXXX Area Code.Recently I Paid Off My XXXX XXXX XXXX Bill Completely Before Switching Carriers And Like Thousands Of Other People Having The Same Issue With This Particular Company C.R.M Is Just Making Up A Fake Debt And Calling Every Single Day, Letting It Ring Through And Never Leaving A Message And If I Answer There Is Never Anyone On The Other End Of The Phone.A Couple Of Times I Spke With A Live person And Asked Them To Stop Calling My Phone And The Calls Still Keep Coming.Either Way They Are Some How Using The Fact That I Was A Previous XXXX XXXX XXXX Customer As A Way To Justify A Fake Debt And Harass Me Every Single Day At All Hours.I Want The Calls To Stop Now Please.
Product: Mortgage

I submitted a form to MegaStar in XXXX to have biweekly automatic drafts taken out of my account. In mid XXXX, I received a letter confirming the set-up, but my bank account number was typed wrong. They had changed a 2 to a 7. I called to get this fixed the same day. The people on the phone said I couldn't change it on the phone, that I needed to send in a new document. I immediately logged into the website and went to chat. I told the person in chat what was wrong. He had me upload the corrected form ( I typed it this time rather than handwritten ). He said he would send it to the payment people immediately and it would be fixed. The first time the draft was supposed to come out of my bank in XXXX, it didn't happen and I received a letter saying NSF had occurred, I chatted with the company again that day. I asked if they would remove the NSF, they said they couldn't, but had me upload another drafting form to fix the problem again. I was reassured the problem was fixed and the first draft would be on the XXXX. This has gone back and forth several time with me mailing copies of the chats and new draft forms to the company. I was hung up on at least once. Now, I received notice that the NSFs number 3 and I am no longer allowed to make any form of payment other than certified check or money order. I have never been late with my mortgage. It has always been paid ahead due to the need to be ahead prior to a draft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 called the credit bureau to dispute inacccurate information. As of this day, the incorrect information is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When covid first started I called after and asked for a defferal. I was given a partial payment defferal of XXXX a month. I paid it on time every month. Around XX/XX/XXXX I called because my credit report showed that all my payments were reporting as late for all of the defferal months. They told me that this was a common mistake and they would fix it. In month or two it was reporting as it correctly in deferral and on time. Around XX/XX/XXXX it was back on there again. I called them again and they said they would straighten it out. They fixed it again and it was shown in defferal status, around the beginning of XXXX. I called in end of XXXX for an extension of the defferal. It was supposed to end XXXX. They granted me another defferal for XXXX a month. I went online in XXXX to pay my account on their website. It showed that my account was charged off and the full balance of XXXX and some dollars was due in full. I called them and they said it was nothing they could do but settle, the whole balance for XXXX percent of it. I told them I did not have that kind of money. I also checked my credit report and it showed that I was never in a defferal and all the lates were on there from XX/XX/XXXX. It was showing that I have not paid in over six months. I am also trying to refinance my house because my covid forebearance is ending. I can not due to my credit score and status. My credit score had been over 700 before this. I am bow in the 500s. I also just went on and paid them the full monthly payment of XXXX for the past couple of months on time. They told me that they never agreed to an extended defferal. But I also made the regular payments on time and they still charged the account off and messed up my credit. I have the proof to show.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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.

This company 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: Debt collection

Hello, I am having major issues with my medical insurance company XXXX. I always have to call them to correct my claims and they keep saying they are working on it when they do fix it it is always incorrect and now they showed i overpaid in some of them which is not correct it should show my payments i made-I always paid my co-payments etc.. and now i have been sent to collections. This is the worst insurance i have had. If you could please help me with this. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding violations of federal consumer protection laws by TRANSUNION reporting agency and creditor, who are inaccurately reporting late payments on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Under 15 U.S.C. 1666b, a creditor may not treat a payment as late unless a periodic statement is mailed or delivered at least 21 days before the payment due date. I have not received any such statements. Reporting late payments without compliance violates this law. The law does not state that payments automatically become 30 days late, yet this is being reported inaccurately.

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting late payments without verifying the creditors compliance with 15 U.S.C. 1666b fails to meet this standard. The creditor has also not provided proof that proper disclosures were sent, violating 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ( i ), which requires verifiable information. Reporting such unverifiable data constitutes fraud.

I previously sent a detailed dispute letter to the credit reporting agency, including copies of my drivers license, Social Security card, and FTC identity theft report, clearly explaining these violations. Despite this, the credit reporting agency has failed to take corrective action, and the late payments remain on my report. 

I request that these inaccurate late payments be removed immediately and that corrective actions be taken to ensure compliance with federal laws.
Product: Credit card or prepaid card

On XX/XX/XXXX, my XXXX XXXX XXXX XXXX Account was fraudulently charged by a merchant named " XXXX XXXX XXXX in the amount of {$160.00}. On XX/XX/XXXX, the same credit card was fraudulently charged again by the same merchant in the amount of {$180.00}. I submitted a statement of fraud to XXXX XXXX but the company didn't do anything, instead I was charged with two late fees in the amount of {$38.00} and {$29.00} on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, there were two interest charges in the amount of {$8.00} and {$7.00} respectively. I don't recognize the merchant nor did I receive any products from them. The current balance as of XX/XX/XXXX is {$580.00} due to incurring interest charges and late fees. I have tried to resolve the issues with XXXX XXXX fraud department but ended up with negative results, stating that the charges were valid. I even submitted a police report from XXXX Police Department reporting the fraudulent charges. These issues caused my credit score to dip down to 500s. Request that appropriate agencies investigate XXXX XXXX XXXX XXXX company and the merchant " XXXX XXXX XXXX ' for impropriety and defrauding the consumers.