23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent XXXX to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally on XX/XX/XXXX. I also sent letters to TransUnion, XXXX, and XXXX. I asked these four agencies how they were verifying a bankruptcy that is showing up on my credit report. I asked for them to also send proof of the verification. On the first letter they responded that they verify through PACERS. I then acquired a letter from the court and PACERS where they state that they do not verify information with credit reporting agencies. i sent these letters off and again asked for proof of verification. Transunion, XXXX, and XXXX just report that is was verified, but did not send how, and XXXX has never responded since my last letter in XXXX. I have attached the letter I have sent to XXXX and the credit bureaus below : XXXX XXXX [ XXXX XXXX ] XXXX XXXX ( XXXX minutes ago ) to XXXX Report Reference Number : XXXX ATTN : FACT Act Dispute Request I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently challenged this account with the credit bureaus, who said they verified it with XXXX XXXX. When I previously disputed with XXXX I was told you verified this alleged bankruptcy with PACER. I have attached an email from them and the courthouse stating they do not verify or have communication with ANY credit reporting agencies. 

I DEMAND that this unverified, per the Fair Credit Reporting Act, must be deleted from my file immediately especially since you lied about verifying this account through PACER. You violate my consumer rights by continuing to report such information, and legal action will be taken. 

Once the above information is deleted from my file, please notify me by mail or email. 

I have attached my driver 's license to verify my identity. To avoid confusion, my information is as follows : Full Name : XXXX XXXX Last XXXX of XXXX : XXXX CREDIT AGENCY LETTER : I am writing to dispute information regarding a bankruptcy on my credit report. On XXXX XXXX, I previously disputed XXXX XXXX bankruptcy XXXX with you, and in response, you verified the item as accurate, stating that you had verified the information with the court. 

However, I recently contacted the court and PACER and received the responses that are enclosed with this letter. As you can see, the court and PACER do not report to you, or any credit bureau, which means that your original response verifying the item with the court was either an error or a lie. 

The reporting of this record does not comply with FCRA 611 ( 15 U.S.C. 1681I ). Therefore, you must immediately delete this unverified record from my credit report. 

Your non-compliance with my request will also be construed as an absolute disregard of my consumer rights and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I am sending this letter on my behalf, and I've included a copy of my ID to verify my identity. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard inquiries were added to my report without my consent, against 15 USC 16c-2. Request immediate removal of these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and unfairly damaging my credit score. Specifically, I am disputing the following accounts : XXXX. XXXX XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Charge Off Account These accounts are not mine or have been previously resolved. I have made every effort to rectify these errors, but they persist on my credit report. The incorrect reporting of these accounts has negatively impacted my ability to obtain credit, resulting in higher interest rates and fees. 

I have attached supporting documents that demonstrate my attempts to rectify these errors, including correspondence with the companies in question and records of payments made. I am requesting that these items be removed from my credit report immediately, as they are causing undue stress and financial hardship. 

According to the Fair Credit Reporting Act, you have a legal obligation to investigate and correct any errors on my credit report. I expect a prompt response from you regarding this matter, as I am eager to rectify these errors and improve my credit score. 

Thank you for your prompt attention to this matter. 

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

ACCOUNT CLOSE NOW AN OTHER CREDITOR HAVE POCCESTION this effect my account
Product: Credit card

Made an extra ( nonscheduled ) of {$100.00}. Payment did not go through ( claimed error in bank information ) .Synchrony never notified me.I only found out when I discovered a {$30.00} charge. Five different agents at Synchrony informed me that it was impossible to reverse the charge. The 6th person supposedly was able to reverse the charge. If there was a problem with my bank account number they should have contacted methey have my email address. I had to call 6 times since they kept disconnecting my callI was never called back and had to call them again and speak to a new representative. 

Additionally the credit card is black with beige letter. The font is so small that is impossible for me ( XXXX y.o, ) to read.especially the telephone number. After a dozen complaints, I was informed that they have a large font card. 10 days later when the new card arrived it was the same tiny font card I already had. I had to call and was told a new large font card would be sent. Today during the conversation about the {$30.00} fee, I inquired about the replaced card and was told that they had no record of my request for the large font card. 

Whenever there is a problem.it is nearly impossible to get anyone at Synchrony who is willing to try to solve it
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX Facts : XXXX is aware and has proof in the attachment labeled as XXXX XXXX 
XXXX XXXX Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in XXXX XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

In XXXX I contacted XXXX XXXX XXXX XXXX after paying my account. They sent the settled in full letter. They said it could take up to 30 days to update. I then disputed account with letter. On XX/XX/XXXX TransUnion and experian updated account as closed but did not change balance to XXXX. I am requesting that the account be deleted from all accounts due to inconvenience of not being able to get another car loan due to the fact that the balance is still showing
Product: Credit reporting

Equifax has incorrect account balances on accounts which were paid in full. The correct balances are reflected on XXXX so the company has reported. Also, accounts are reflected as discharged in BK when they were paid in full and not included in BK. There are state liens which are incorrect. I left the State of Ohio XXXX YEARS AGO. I have filed a dispute with Equifax but to no avail
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a message from Binance.us saying there were not enough funds in my bank account to cover an ACH deposit. I cleared the problem quickly and made sure to deposit more in my Binance.us account to cover the failed deposit. Since that day, I have been unable to withdraw funds, either in USD from Binance.us to my bank, or to transfer cryptocurrencies out to another exchange. I only see the error " Withdrawals suspended due to risk management ''. I filed a support ticket, and in nearly a month, I've heard nothing from Binance.us support. Seeking more help on their website leads only to a FAQ that says, essentially, " Sorry but we have a lot of people who need help, please keep waiting ''. There isn't really any excuse for holding people 's money and giving them no way to speak with anyone at the company. If this company is regulated in the US, they should have their license pulled as would any financial institution that absconds with users ' funds. 

My support ticket number is XXXX, and my user ID for the account is XXXX. 

Thank you for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX Called XXXX XXXX @ XXXX spoke with XXXX in the credit collections department. Confirmed payment in full of $ XXXX confirmation # XXXX. Advised that all 3 credit bureaus will delete account from credit report because account is paid in full. It is being reported on my credit report as closed with a {$0.00} balance and it should be deleted completely as per the company ( XXXX XXXX ).
Product: Credit card or prepaid card

a Few years ago my car was broken into and my wallet was stole which had all my information like SSN etc. a few months after that I was getting calls and letter and bills in the mails from A few chains store saying I owed them money and stuff, I told them it wasnt me and I never order or bought anything from them inside the store or online they sent me a ID theft paper work I filled it out but nothing was ever dont because all the unpaid amounts went into collection and I told the companies it wasnt me. They didnt believe me and have not tried to fix me problem but I have tried to apply for my first home loan and I got denied because of my ID theft amounts that is still on there.
Product: Money transfer, virtual currency, or money service

I transfered money to an account with Bank of America and it turned out to be fraud. Bank of America refused to compensate me at all even thought they are at fault too. It was {$1000.00} on XX/XX/20 and {$4300.00} on XX/XX/20. No action was taken by Bank of America at all. They are not taking care of their customers at all
Product: Bank account or service

On XXXX XXXX, 2015, I opened a Citigold checking account with an offer that stated I would receive XXXX XXXX miles ( worth approximately {$500.00} ) after meeting certain criteria. I then met those criteria and confirmed with a Citi representative via secure message. I was told to expect the XXXX XXXX XXXX miles by the end of XXXX. During this time I was charged three monthly service charges of {$30.00} each. Now after confirming the promotion was applied to my account, confirming that I had met the requirements for the promotion, and confirming they would be depositing the miles, Citi is changing their mind. They have decided to investigate if I was targeted for the promotion. I have waited over three weeks to hear about the investigation but they have not contacted me. Over the past six months, Citi never said anything about needing to be targeted for the promotion. I have {$90.00} in fees which will continue monthly during their investigation, and I do not have the XXXX XXXX miles that they confirmed I would receive. It 's not right. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope Citibank will honor the promotion they already told me I qualified for.
Product: Mortgage

Please assist, my husband and I are over XXXX years old and feel that we 've done all we can do fix this issue with no results with Nation Star MY house loan was sold from XXXX XXXX XXXX ( XXXX ) Account # XXXX to Nation Star ( NS ) XXXX in XXXX XXXX. From the beginning there was an issue with an unpaid fee of {$120.00} for missing days on the property without insurance with XXXX we were disputing. When I heard the loan was been sold to Nation Star I decided to pay this amount in full with the last payment made in XXXX to XXXX to avoid any further problems. 

In XXXX we started making payments to NS as specified on the monthly bank statement. Then the first month we started getting calls and letters that we owe additional escrow balance to NS. They claimed the amount of {$120.00} had not been paid and we needed to pay this amount and late fees right away. 

I spent many hours on phone calls in XXXX, XXXX, and XXXX XXXX trying to fix this issues. XXXX months down the road, Nation Star was not finding the money, they kept arguing that the money had been paid. At the end of XXXX I called NS again and a gal by the name of XXXX was able to help out. We spend about XXXX - XXXX hours on the phone in which we call XXXX and they told us that all the funds had transferred to Nation Star. XXXX searched this money and found out that the funds had transferred to Nation Star and that our account needed to be fixed and credited all the extra fees NS had charged to my account. 

This gal try to fix the problem and told me she would credit all the late fees. Two, three months, later the issue was not fix. I would get on the phone and had to explain all the issues again, the reps would argue with me and tell me that the fees had not been paid until I would tell them to read the notes. Then they would say " the system will give you the credit ''. I have called many times for two years and they continue to tell me the same thing. Every time I call I 'm having to explain the whole scenario to the Reps and tell them to read the notes because they argue that the fees are still outstanding and we still owe the money and late fees. 

It is now XXXX XXXX, two years later and the issue with all the late fees has not been solved. The fees have gone up to {$500.00} + and I 'm sure with interest. This is creating a lot of stress in my life. At my age, I do n't need this kind of stress. I do n't want to spend more time on the phone with Nation Star because I do n't think anything will get fixed. I 've called them sent them letters, sent emails on their website and there has been no response. 

I 'm coming to you in hope that you can help me address this issue with Nation Star. I need the fees to be reduced, the interest charged to be restored, and my any wrongful or derogatory information on my credit to be restore. 

I can be reach at XXXXXXXXXXXX or XXXX XXXX Thank you , XXXX XXXX.
Product: Mortgage

WHEN I REFINANCED MY LOAN WITH XXXX MORTGAGE UNDER THE HARP ACT, ON XX/XX/XXXX, I UNDERSTOOD THAT A NEW APPRAISAL WOULD NOT BE NEEDED. SO I ASSUMED MY ORIGIAL APPRAISAL FROM XX/XX/XXXX IN THE AMOUNT OF {$87000.00} WOULD BE APPLIED TO THE LOAN. SO WHEN I CALLED TO REQUEST THE PMI BE REMOVED BECAUSE I AM AT 80 % XXXX, THEY TOLD ME MY APPRIASED VALUE WAS {$77000.00}. WHEN I ASKED HOW THEY GOT THIS NUMBER, THEY SAID IT WAS THE " SALE '' PRICE, OR THE PRICE OF THE LOAN THAT THEY USED. I 'VE BEEN IN CONTACT WITH, XXXX MORTGAGE ( ORINGAL LENDER ) /NATIONSTAR/MR. COOPER, FOR SEVERAL MONTHS, TO NO AVAIL. THEY KEEP TELLING ME THAT THERE IS NOTHING THEY CAN DO. I BELIEVE THIS IS UNFAIR AND DECEPTIVE, AND I WOULD LIKE SOMEONE TO TELL ME IF THEY ARE CORRECT, THAT THE LOAN VALUE CAN BE USED AN APPRAISAL.
Product: Credit card

On XX/XX/ I woke up to my Capital One card accounts being closed. I have always paid my CC bill on time and have proven the ability to pay back the credit in which I am using. I applied for a secured credit card and was charged a {$100.00} finance charge for the card with a limit of {$200.00}. I requested an increase because I am trying to fix up my home, After the request was denied several times I called into capital one in regards to having an open end credit plan as stated in 15 USC 1602 ( i ) ( j ) and was told to apply for the limit. After I sent Capital One a letter directed to the XXXX XXXX XXXX in regards to my open end credit plan, my account was shut down. I called an spoke to an agent on XX/XX/ and she stated that my account was shut down due to a violation of terms because of an overdrafts. After reading Capital One terms I have never had my account not paid on time. On top of all of that Capital One reported a negative mark on my credit report. I spoke with XXXX from Capital One fraud department on XXXX It was during this confabulation that XXXX confirmed that my account was shut down in retaliation due to a letter that Capital One received from me on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We where given 2 financial deferments in a course of one year we called in asking for assistants and was given a deferment for XXXX and XX/XX/XXXX these payments where to be put on the back end of the loan. There was 5 payments walked in to the bank and paid for {$1700.00}, {$1700.00}, {$560.00}. {$1700.00}, {$560.00} that equaled {$5700.00} and that was also reported to the credit bureau this payment would equal 10 full payments we purchased the truck XX/XX/XXXX XXXX was our fist payment of {$560.00} we received a deferment in XXXX and was to make our payment in XXXX and was told our account was locked for non payment. XXXX XXXX XXXX  is committing credit fraud they have reported my payments that I made I have copies of a deferment that was given a XXXX has not answered a phone to any of the finance companies that are trying to refinance our vehicle they keep saying it is in litigation and it can not be processed because they don't know how much the car cost they are reporting on my credit as XXXX and XXXX XXXX I want to know what the status of my loan is and why I never received any communication or calls from this company I am totally disputing this account with XXXX and XXXX and all credit reporting agency I want answers about this account I have placed several complaints and this company has never responded I need help with my loan and my credit XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have erroneous addresses and telephone numbers on my credit report that do not belong to me. I believe my credit information has been compromised.
Product: Mortgage

XX/XX/XXXX - applied for XXXX with Navy Federal Credit Union. This could actually be characterized as a renewal as I had just come off a XXXX  year XXXX with NFCU. At the time ( XXXX ) they had ceased writing/renewing XXXX due to the pandemic economic fallout. When they restarted in XXXX, I reapplied. 

XX/XX/XXXX - Credit Denial due to " Insufficient Number of Credit References ''. 

I have a XXXX score of XXXX out of XXXX on XXXX and XXXX out of XXXX on XXXX. 
I have XXXX revolving credit card accounts all with an EXCEPTIONAL rating. 
I have no mortgage on the property ( paid off long ago ). 
I have no debt except the usual monthly expenses - paid-in-full each month. 
I submitted cash reserve figures in the low XXXX digits. 
I had an impeccable XXXX  year record with the previous NFCU XXXX, and another before that. 

My only conclusion is their negative decision was based on my age. I'm XXXX. This stinks to high heaven of age-discrimination.
Product: Mortgage

I have been fighting with suntrust mortgage since XX/XX/XXXX about a forclosure from XX/XX/XXXX. They continue to beat around the bush about removing the forclosures. I provided the emails from XXXX to XXXX from XX/XX/XXXX stating i was covered by SCRA the date of the email. i have currently been going back and forth with XXXX XXXX with her stating " HERA Act and SCRA '' SCRA from XX/XX/XXXX states a minimum of 9 months from XXXX XX/XX/XXXX giving me till atleast XX/XX/XXXX in coverage. I have the email that i provided them the orders. This SCRA should have covered me till XX/XX/XXXX and they stated they began forclosure process XX/XX/XXXX and i am not entitled to the {$3800.00} they unlawfully took from my payments for attorney fees. Along with this i provided them a statement from my bank showing a payment of {$910.00} that was never posted to my mortgage but they will not accept the statement.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I had submitted a dispute to Equifax and upon Equifax investigation the results came back accurate on XX/XX/2023. How can the results be accurate? When my whole payment history is missing on my XXXX XXXX XXXX. account on my credit report especially when this account is a Charged off account. Equifax have not done a THOROUGH INVESTIGATION and Equifax have not contacted XXXX XXXX XXXX. about this account so that it can be deleted. This account is not completely accurate as stated in your previous investigation. Therefore according to the FCRA and 15 U.S.C 1681 this account needs to be deleted immediately.
Product: Debt collection

I requested debt validation through CRA on three occasions and have not received what I requested from XXXX. FCRA states debt verification is Validation requires presentment of the account history and general ledger/statements and a copy of each agreement/contract signed and dated by the parties ( collectors and CRA ) responsible for maintaining the complete account history. Specific cases that set the precedent are listed below. 
1. XXXX, 62 Haw. 334, 614 P.2d 936 ( XX/XX/XXXX ) 2. GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App XX/XX/XXXX ) 3. XXXX v. XXXX 28 Conn. L. Rptr. 371, ( Conn. Super.XX/XX/XXXX ), and Town of XXXX v. XXXX. 513 A.2d 1218, 201 Conn.1 ( XX/XX/XXXX ). and XXXX v. XXXX, 163 Ill. App. 3d 845, 114 Ill. XX/XX/XXXX, 516 N. E.2d 1045 ( 3Dist. XX/XX/XXXX ).
Product: Credit card

I paid {$350.00} and ordered a dress on XX/XX/23, the seller promised me that will provide tracking number in XXXX hours, never did. Contacted him maybe XXXX times to get at least the tracking number, he promised will provide next day, after that never responded to my several emails. Until today don't have tracking number and my order. And I believe it was a scam. I need my full refund. Tried to contact him today too, and again no response. Was promised that I will receive the dress in XXXX days. 
On XX/XX/23 I received XXXX inches empty envelope, I didn't understood who sent this envelope, but suspected that at the last days the seller sent me something to show that I received something for your decision. This is a scam an fraud. I ordered from the seller a dress for my wife. It is now way that the dress could fit in XXXX inches empty flat envelope, and you Paypal without going into details, decided to close on the seller 's favor. This seller is a scammer and cheater. Attached please find pictures of my order and the empty envelope, where you can see the same tracking number.