23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a late fee on my XX/XX/XXXX bill. I have been displaced from my home for XXXX months and living in a hotel for the last 5 months. Mail still goes to my primary address but with the displacement sometimes things get misplaced. As what occurred with my XXXX card bill ( redcard ending in XXXX ) -- Called XXXX today XX/XX/XXXX and they will not refund the fee since they refunded a previous fee -- even though anytime I was late I immediately paid the balance in full. 
Spoke with a supervisor and she stuck to the letter of their policy and would not allow a fee reversal, I promptly closed my account with XXXX. I use this card a few times a year and frequently shop at XXXX but that will no longer be the case. The {$15.00} I saved is not worth the {$29.00} late fee. 

It is amazing to me that they would rather loose a patron of their store and a loyal customer than reverse a {$29.00} fee. I have been in Financial Services my entire career and worked for several banks and manage Customer Experience and Call Center teams and I would never turn down a customer request that wanted to close their account due to a fee. 
The scrutiny banks have around nuisance fees should extend to store cards -- they seem to care even less about good service. Especially for customers that explain their extenuating circumstances. Also I wanted to on online and setup auto payment of my minimum due but my card is packed away with many of my personal things and I can't otherwise get my full account number and it is needed to go online to set this up and include on the form they wanted to mail me! So they do little to assist customers with setting up auto payments to avoid a late payment.
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX  : Account # ending XXXX with the balance of {$0.00}. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus continue to report inaccurate items on my credit report after their investigation. Im attaching supporting documentation with all the information
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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

I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX, XXXX & XXXX. I previously sent a dispute letter requesting the removal for these account charge-offs based on the XXXX forms I received, which indicates that the debts was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : XXXX. The method used to verify the accuracy of this charge-off. 
XXXX. The name and contact information of the person or entity that provided the verification. 
XXXX. Copies of any documents or records used in the reinvestigation process. 
The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 
Thank you for your attention to this matter.
Product: Debt collection

XXXX XXXX XXXX HAD THIS LOAN AND IT WAS FIRST DELINQUINT IN 2009. IT WAS CHARGED OFF AND SENT TO DITECH AND XXXX XXXX XXXX AND DITECH HAVE BEEN REPORTING IT FOR 10 YEARS AS DERROGATORY AND LATE PAYMENT NOW IT HAS BEEN TRANSFERRED TO REALTIME AND THEY REFUSE TO OBEY THE CREIT REPORTING LAWS WHICH STATE THE COMPANY TAKING OVER THE SERVICING IS TO CARRY OVER THE FIRST DEINQUENT DATE OF THE ORIGINAL CREDITOR - IN THIS CASE XXXX XXXX XXXX. 2009. THERE ARE OTHER ISSUES -- THE AMOUNTS ARE WRONG THE DATES ARE WRONG THE TOTAL IS WRONG I HAVE NOT RECEIVED STATEMENTS YET I SEE THE BALANCE KEEPS GETTING FEES. WITH REGARD TO WHAT THESE CHARGES ARE I HAD A SETTEMENT WITH DITECH AND IT IS NOT BEING HONORED. DITECH KEEPS CHANGING THE DATE OF CHARGE OFF TO THERE ADVANTAGE AND SO THEY CAN KEEP IT ON THE REPORT THIS IS FRAUD IMMEIDATELY. I PROBABLY NEED TO BRING THIS TO LEGAL ACTION FOR MANY REASON
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Money transfer, virtual currency, or money service

XX/XX/22 two cashiers checks were mailed on my behalf from XXXX XXXX XXXX to Capital One Bank to pay off an outstanding credit card debt. I was provided tracking information from the sender and a tentative deliver of XX/XX/22. I was alerted by XXXX XXXX XXXX XXXX that the delivery was made to the Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/22 at XXXX. The document was picked up by an individual. I called into customer service an hour later verifying receipt of that check and inquiring when payment would post. I was advised it may be the next day but as of yet there is no record of the check. I again called XX/XX/22 and received the same message that the next day ( XX/XX/22 ) the check may post as of now there is no record and to check back again. Being that the matter is sensitive in itself ( cash ) and time is not on my side, I need to see these funds are posted and the debts are cleared, not having a check sitting on an employees desk. Im very concerned
Product: Debt collection

My account with XXXXXX/XX/XXXX was charged off in XX/XX/XXXX. Beginning in XX/XX/XXXX I began receiving email dunning from True Accord for the debt which had been sold to XXXX XXXX. A certified letter was sent to TrueAccord in XX/XX/XXXX disputing the debt and requesting verification of such debt. After having received the return receipt the collection attempts continued by email. On XX/XX/XXXX I sent notification about the dispute via reply email which is how their communications advised to contact them. That email is attached. Again on XX/XX/XXXX, and XX/XX/XXXX I received emails dunning for payment. Verification was never received and in accordance with the FDCPA further collection attempts can not be made until verification is complete. Ultimately TrueAccord never verified the debt and further transferred it to XX/XX/XXXX, XXXX, and XXXX in XX/XX/XXXXXXXX OK to legal action and a law suit was filed against me for the balance plus attorney fees, and court costs.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX, Experian, XXXX Account names : Child Support account : XXXX XXXX XXXX section 602 A states that I have the right to privacy. -15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my my written instructions. -15 USC 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then seven years. - 15 USC 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 any reasonable cause to believe that the information is inaccurate. XXXX Child Support Enforcement XXXX was " NOT AND HAS NEVER BEEN DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on all accounts XXXX XXXX
Product: Credit card

TJX credit card will increase their interest rate to XXXX in XXXX. My question is, is there a cap on what interest rate that they can charge. Are there ANY limits for interest rate ANY credit card or can they charge whatever they want?
Product: Debt collection

I was contacted by XXXX XXXX at Atlantic Recovery Solutions. He said he was trying to reach someone regarding a debt they were trying to collect on. He gave me the person 's name and how much she owed. I asked how he got my number and he said she had used my name and number on a job application as a reference. 
I truly hope this is illegal behavior. This is public shaming and possible slander. To give out such information to others in this person 's field threatens her livelihood and career. And damages her reputation.
Product: Credit reporting or other personal consumer reports

I ask that these inquiries be removed, as I am not aware of them, and the company conducted them without my consent.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX, Account # XXXX, Account name : XXXX, Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX  XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX  XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account 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 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: Debt collection

XX/XX/24 Spoke to XXXX representative XXXX for DRS company and him could he provide proof of this alleged debt. He stated a company by the name of XXXX XXXX bought the debt and request that they collect on the debt. He also stated that his DRS company remove this debt from my credit report on XX/XX/1924 and it will take 45 days to be removed. I explained to him that i do not owe this debt. I don't have a contract with this company. They are not registered to collect in Texas. I also request a copy of the removal via mail stating it was removed.
Product: Debt collection

XXXX went into forebarence due to COVID constraints with Bank of America and was levied a hefty {$4300.00} COVID Interest fee. Now trying to get back on my feet after being their customer since XXXX, i am not being granted a waiver so u can cash out refi with it all going to interest.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. Im reaching out because Ive noticed credit inquiries on my report that I did not authorize, and they appear to have no permissible purpose.
Product: Credit reporting or other personal consumer reports

After reading the XXXX XXXX XXXXXXXX article on XX/XX/2023 with the title TransUnion 's Botched Credit Report Freezes, I felt compelled to write to you. I have had to freeze and unfreeze my credit report a number of times in the past several years due to the purchase of two cars and other items. 
I had NO/ZERO problems with XXXX and XXXX. I did it on-line quickly and efficiently. 
TransUnion was a debacle. The on-line website DID NOT WORK. I would then have to go through lengthy phone calls with LONG call waiting to speak to someone at TransUnion, each time the person assuring me that the problem was fixed for future attempts ( they would do the freeze or unfreeze in real time during the phone call that I made ). I even spoke to supervisors with assurances all would be well. It was NOT well.When I read the XXXX, I felt validated that TransUnion was XXXX it up for everyone.They need new leadership immediately. 
Do you have any suggestions? 
Sincerely, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX BALANCED {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 


XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I originally applied for a XXXX secured credit card from this company. I was told that I needed to make a payment of XXXX dollars to receive this card. I never received the card the following month I was billed another payment for the amount of XXXX dollars I paid that still waiting for the card to arrive never received it then I received a email demanding that I pay another XXXX dollars are they would report to the credit bureau so I paid them again and still never received the card. Then I stopped paying them because I discovered that it was a scam then that's when the threats starting coming to me by email saying they would report to the credit bureau and they did. My credit score has decreased tremendously by this company reporting missed payments and I refuse to keep giving them money for a card that I never received. I've attempted to contact them multiple times and they email me back saying that they have no live agent that I could speak to about this situation. They are a scam and they need to be reported to the BBB and the federal trade commission
Product: Checking or savings account

I have contacted Chime multiple times for disputes against XXXXXXXX XXXX charging my account 3 times per order. I received some of my money however XXXX disputes remain unresolved after receiving approval emails and credits never being posted. I have made XXXX phone calls for dispute numbers XXXX & XXXX. I have been a customer of Chimes for years even had my son open an account. I hadnt had a problem until now. I do not know what changed but we are both about to change banking services. This is ridiculous and I am completely out of patience. My first call was XX/XX/XXXX ; XXXX call XX/XX/XXXX ; XXXX call XX/XX/XXXX and XXXX call XX/XX/XXXX ( today ). Someone needs to post both credits to my account immediately. XXXX for {$23.00} and the other for {$60.00}. I should be compensated for the time and inconvenience of missing lunch and canceling my card to receive a new one. We are a whole month later and I am still dealing with the same issue. I also asked for a copy of the escalation ticket however I was only given the number XXXX. I have called again today XX/XX/XXXX only to be read the same script with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person ; I am a living human being. I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681, and they violated my rights numerus of times. I demand the inquiries listed below be remove because According to USC1681. I have the rights to privacy and i did not give XXXX written permission to furnish these accounts. 

INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

What happen was that I received a check in mail which from my job. I took the check to the bank to get it cash. The bank told me that we can only give me    XXXX   dollars of the money. I said fine, they said they had to make sure the check was ok. It took five ( 5 ) to 6 ( 6 ) day before I could get the rest of the money. I notice a week later that my account was in the overdue in the account.
Product: Checking or savings account

I have been affiliated with Suntrust Bank for about 10 years. I use to have an account with about a balance of XXXX. I have a reason to believe around 10.000 at least has been stolen. I closed the bank about after I had an overdraft fee. Somehow a worker inside the bank found a way to steal money. The charges didn't add and sometimes funds where withdrawn at odd times. I would like this to be investigated promptly.Over the Years Bank tellers at Suntrust Branch have stole money others you will discover this if you research properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax 3 daysa week for the past Month. They refuse to help me via the phone. Me and my children have lost our place to live over this matter. My family was in the process of purchasing a home but do to Equifax producing these accounts on my consumer report without Permissible Purpose I was denied by the lender. I have been trying to get this resolved with them for up to a month, but keep getting put on hold for hours and then hung up on. Or told they can not help me over the phone they produce the information they are given by creditors go talk to them. How are you producing information on my consumer report without being validated by me or without my permission. Please help me and my family to resolve this matter.
Product: Debt collection

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX Law 15 usc 16292c clearly states, If a consumer refuses to pay a debt collector the debt collector must cease all communication.