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

On XX/XX/XXXX I made a payment on my credit card of {$1100.00} to pay off the balance on my credit card. On XX/XX/XXXX another payment was withdrawn from my checking account for that same amount showing a second payment of {$1100.00}. When I noticed the error I called Union Bank about a double payment made on the credit card. I requested the extra payment of {$1100.00} be deposited to my checking account, also held with Union Bank, from which the payment was made. Instead, the customer service representative insisted it was too late to reverse the payment to my checking account and a check must be mailed. A check was never received at either of the two addresses provided and it is now XX/XX/XXXX. I have made a series of at least three phone calls to Union Bank and I keep getting nowhere. Union Bank representatives keep resending the checks, but I have never received any of the checks allegedly sent. I again suggested the amount simply be directly deposited into my checking account, which is also with Union Bank, but Union Bank refuses to do so.
Product: Debt collection

I went to a seminar and thought I purchased a time share, I later realized what I had was a membership, not real estate. Even though the contract says membership, I was confused because of what the sales rep said, escrow is ownership. I went back to the office of XXXX ( XXXX XXXX XXXX XXXX ) in XXXX, CA. and saw one of the salesman who signed me up in the parking lot. I explained to him that I was confused with all the high pressure tag teaming, switching to managers and everybody shouting when new people signed up. He told me its basically impossible to get out of the loan and I should look into using the service. After, trying to book reservations on more than one occasion, I gave up. They said there would be no problem booking or getting reservations, that was not true. They promised FREE trip incentives that are impossible to book AND end up costing money if it is even available. They lied about the incentives to sweeten their deception. I have never used their services and I put my savings of {$1200.00} down. I was then and still am on social security XXXX so I dont have money to throw away to a company who was not truthful. XXXX XXXX XXXX XXXX has put {$7200.00} on my credit and now Monterey Financial Services is trying to collect. I called XXXX XXXX at Monterrey to get the agreement so I could later explain my complaint but he went straight in saying they are going to take legal action against me. The tactics they used were deceptive and misleading. Please help me resolve this issue as I a trying to get permanent housing.
Product: Credit card or prepaid card

My complaint is with Synchrony bank. 
I had a credit card with this bank for many years in good standing. With a credit limit of {$7500.00} and a balance of {$3500.00}. Over these years I was paying for a card security program to cover any job loss or unforeseen events. When the COVID 19 pandemic hit I promptly messaged Syncrony Bank and let them know that I was going to lose my job and I needed to take advantage of the Card Security program. I didn't hear back from them so I called and requested a delay in payment and they suggested there COVID 19 program. I accepted and they immediately reduced my credit limit to {$3800.00} ( Just {$200.00} above my limit ) this tanked my credit score by 105 points and marked me as a late payment on my credit score. On XX/XX/XXXX I paid a {$600.00} payment ( more than my minimum ) to try to repair this and to get back in good standing. After the payment went threw they again reduced my limit to just above my balance ( Reducing my credit score again ) I have my job back and I have been making additional payments without adding anything to my balance. Today they closed my account saying it was due to my credit score. I am aware that my score is lower than normal but this is  mostly due to there business practices and marking my credit report as late and reducing my limit.
Product: Student loan

Please have lates removed from XXXX 2010 XXXX XXXX account. Account was under bankruptcy at time of reporting.
Product: Vehicle loan or lease

Companies BMW finance XXXX XXXX bmw of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BMW finance XXXX XXXX A inquiries made in XX/XX/year> fraudulent All identity theft for auto loans and fraud using my information to lease vehicles without my knowledge. 

Please remove these hard inquiries from my credit report at every credit bureau I reported identity theft for personal and business.
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. 

1. XXXX XXXX - Account XXXX : XXXX, 2. XXXX XXXX - Account XXXX : XXXX, 3. XXXX XXXX Account XXXX : XXXX and 4. XXXX XXXX XXXX : xxxxxxxxx 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: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 about the late payments being reported on the attached accounts during the COVID-19 Pandemic. Per the Heroes Act, passed by Congress, the bureaus could not report late payments during that time plus an additional 120 days. These late payments are still appearing on the attached accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXE XXXX XXXX XXXX XXXX
Product: Mortgage

Navy Federal Credit Union Rate Lock Issue XX/XX/XXXX - lengthy email received from XXXX XXXX including an itemized list of action items ; buried in the rest of the text is a notification that my rate isn't locked in XX/XX/XXXX - follow up response email from XXXX XXXX re : itemized list of action items ; bottom of the email in a smaller, different font is same notification that rate is not locked in XX/XX/XXXX - XXXX sent a short email to XXXX XXXX asking if there was anything else I needed to do in this process with me failing to remember what had and had not yet been done up to this point ; she responded no there was not XX/XX/XXXX- I sent another short email to XXXX XXXX asking if there was anything else I needed to do ; she again responded there was nothing else and that the application had moved to processing XX/XX/XXXX- I receive a call from my processor saying the rate was never locked and has now increased from 2.625 % to 3.125 % Upon speaking with XXXX XXXX and her supervisor, XXXX XXXX, they have clung to the original two emails as adequate notifications and have disregarded my two follow up requests where XXXX XXXX either missed that requirement or intentionally did not mention it. Either way, based on how she has responded and is unwilling to correct this situation, it seems as though it either rises to gross negligence or outright deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau Representative, I am writing you today to formally notify you that I am a victim of identity theft. After a detailed review of my credit report, I discovered several fraudulent accounts opened in my name. I am requesting your assistance in investigating and resolving these issues. 
Specifically, I would like to address the following accounts : 1. 
**Account Name** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Account Balance** : {$1500.00} I did not open these accounts, and I am not responsible for any charges associated with them. II have in fact contacted the FTC as well as the CFPB.I request that you take immediate action to investigate these matters and remove these accounts from my credit report. 
Additionally, please provide me with documentation related to each ac
Product: Debt collection

Company reported a debt to the credit bureau. This debt is not mine. I have notified the company and filed a dispute with the credit bureau. I have no idea what this debt is or who is responsible. Amount is {$1000.00}. Date open says XX/XX/2018 on my credit report.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this XXXX. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Vehicle loan or lease

My car is in repossession status and a government entity is trying to consider helping me to make the payment since Im a student in the WOIA program through the TWC. 

American Credit Acceptance is denying me access to information about my account and denying the Texas Workforce Commission the letter that they need about my repossession as well as any account information to try and get it out of repossession status. 

Theyre denying me the right to get any information to try and get the car paid current and out of repossession status. 

Please intervene so that I can try to get this resolved. 

Thank you
Product: Mortgage

XX/XX/XXXX I contacted XXXX XXXX of Huntington Bank for a mortgage preapproval. After paying of back taxes and presenting additional financial information XXXX stated he contacted the credit agencies to have the tax information removed from credit reports. He sent me a preapproval letter on or about XX/XX/XXXX. On or about XX/XX/XXXX I sent him a purchase agreement for a condo I wanted to purchase. I was waiting for XXXX to send me the loan application so I can begin to close process. I contacted him over and over most of the time with no response. I intended on using down payment assistance from OHFA because I had limited funds, so I asked XXXX if he had submitted the documentation to OHFA, he asked if I could get gift funds from some one because he did not want to deal with OHFA 's grueling paperwork. I told him I needed those funds and I did not hear from him for about a week. When he finally emailed me it was to tell me he could not do the loan. Then responded with counterclaims for his reasons why, which caused him to contact me by phone and state he made an error and would look over my documents again. I called back again asking me if I could get gift funds and I stated no. A couple of days later ( XX/XX/XXXX ) he sent me loan documents not including the down payment assistance funds and over {$6000.00} in closing cost. I sent him an email with questions which he never responded. I was due to close on XX/XX/XXXX and I had not received a response to my calls, texts or emails. Then after calling him about 9 times he answered and said " he was not able to get me approved for the same reasons as before. '' The reasons before were not valid. Now I have losed the opportunity to purchase my dream home and I am homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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: Credit card or prepaid card

I was a victim of credit card fraud. From XXXX XXXX my Chase credit card was charged XXXX for XXXX shared rides I did not authorize. I contacted my credit card XX/XX/XXXX. The card was cancelled and charges were removed. Approximately a week later Chase determined I was responsible for the charges. I called chase to dispute the charges and I was told to provide a copy of my XXXX  ride history. The fraudulent charges were XX/XX/2019. My XXXX  ride history did not any rides for the month of XXXX. Despite sending in my ride history, Chase continues to hold me responsible for these charges. I have filed a police reports and identity theft report with the federal trade commission.
Product: Vehicle loan or lease

Visited XXXX XXXX on XX/XX/XXXX to obtain estimates on a new car lease. Spoke to a sales rep who said hes unable to give a monthly estimate without a credit check. After speaking with him and a supervisor, we agreed to a soft inquiry. I told both of them multiple times that I do not want a hard inquiry on my credit report. The supervisor said he understood and went back to his office to get eatimates. A few minutes after, I received an alert that theres been a hard inquiry. I called XXXX XXXX a week after to sort it out. One of the managers said he will send a letter to XXXX regarding them running my credit score by mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX of birth XX/XX/XXXX Last XXXX : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XX/XX/XXXX Re : Disputing error [ XXXX ] on credit report To whom it may concern I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : I find these accounts listed to be in violation of the FAIR Credit REPORTING ACT and in violation of my privacy and consumer rights and confidentiality under 15 USC 1861.

Dispute 1 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX My account were compromised from XX/XX/XXXX til about XX/XX/XXXX Explanation of item being disputed : from XXXX  until about XXXX XXXX XXXX I was a victim of identity theft while in the XXXX and XXXX for XXXX XXXX  care. 
o The report shows I currently owe money to your company that I have already repaid. 
o The date of first delinquency on my report is not accurate. I have not have access to the accounts since XX/XX/XXXX o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely,
Product: Debt collection

AARGON is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted loan care lakeview services several times. They created an error and reported to credit bureaus and negative delinquent when in fact it was paid the XXXX of every month on time. This caused my business deal to fail through their carelessness and have not provided a Solution
Product: Debt collection

I, XXXX XXXX, am writing to express my concern about the actions of AMSHERCOLLECTIONSERVICES. It has come to my attention that the company has been illegally reporting on my account, and I am requesting that all communication regarding this matter ceases immediately. I do not give AMSHERCOLLECTIONSERVICES permission to communicate with me regarding any alleged debts, as stipulated in 15 U.S.C. 1692c ( a ). The negative reporting on my credit report is defamation of character, and I have the right to seek actual damages according to 15 U.S.C. 1692k ( a ) ( 1 ). This negative reporting has caused me to be unable to secure a new car, and I believe that AMSHERCOLLECTIONSERVICES is engaging in extortion by reporting on my credit for this alleged debt.

I am requesting that AMSHERCOLLECTIONSERVICES remove its reporting on my credit immediately, or I will fully exercise my rights as a federally protected consumer and seek legal remedies. I will be sending a letter via certified mail to confirm this request. To avoid any misunderstandings, I have included references to the relevant laws for your convenience. I hope that this matter can be resolved quickly and amicably.
Product: Checking or savings account

Transfer Details dotted line Item # : XXXX Amount : {$50.00} From : XXXX XXXX  Checking XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Truist Checking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Service : Standard - Inbound After receiving this email from XX/XX/XXXX The last email received was on XX/XX/XXXX about the Bonus offer and lost access to the account after that.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, 2018 Amount owed {$1100.00}
Product: Credit reporting or other personal consumer reports

New York and Company did not apply my returns to my credit card which turned into late fees. I've contacted the company several times, filed dispute requested letters that I am disputing the charges and they have not faxed, or mailed anything.
Product: Credit reporting or other personal consumer reports

I am writing in reference to my previous dispute submitted to your agency. I appreciate your assistance in removing XXXX XXXXXXXX XXXX XXXX accounts that I disputed. However, I am perplexed by the fact that one XXXX XXXX XXXX  account remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, TransUnion LLC, and XXXX XXXX XXXX Assistance XXXX. These XXXX credit reporting agencies have failed to rectify an inaccurate bankruptcy entry on my credit report, despite clear evidence of its inaccuracy and non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated attempts to dispute the inclusion of this bankruptcy on my credit report, XXXX, TransUnion, and XXXX have each responded by claiming to have verified the accuracy of the bankruptcy through XXXX. 

However, my extensive research clearly indicates that the bankruptcy in question has not been present on XXXX 's report for several months. As a result, the continued reporting of this bankruptcy on my credit report is both misleading and detrimental to my creditworthiness. 

I have also sent each credit bureau XXXX XXXX XXXX, citing the FCRA and providing evidence of the bankruptcy 's absence from XXXX 's report. However, they have not taken any appropriate action to investigate or correct the inaccuracy within the required XXXX timeframe. 

This failure to comply with the FCRA has caused significant distress and harm to my financial well-being, as I have been denied access to credit opportunities and subjected to higher interest rates due to this erroneous bankruptcy entry.
Product: Debt collection

XX/XX/2023 Lexus Financial Services also known as Toyota Financial Services called my employer XXXX XXXX XXXX trying to collect a past due payment that I already have set up a payment for XX/XX/2023 to be drafted out of my account. They were never authorized to ever call my employer as I do not have my employer 's phone number listed on my account. They have continued to harass me by calling my employer on many other occasions.
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 Account Number : XXXX Account Name : XXXX  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: Debt collection

I disputed via credit bureau 's in XXXX and with XXXX XXXX XXXX. 
XXXX, I have filed with XXXX  again, with the DFPI Complaint XXXX - www.dfpi.ca.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian XXXX  XXXX  I need you to fix this problem below please note that this is factual information taken directly from my credit report and these are blatant inaccuracies I would like for you to send me the DOC that are used in this investigation. 

These are the items I am challenging : XXXX XXXX XXXX Delete account for failure to perform and investigation per FCRA regulations because date of status did not changed and shows XX/XX/XXXX even though I disputed this account on XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX is marked 30 days late on Experian and on time with XXXX. This account is inaccurate and must be removed. 


XXXX  XXXX XXXX XX/XX/XXXX is marked 60 days late on Experian but 30 days late on XXXX. This is inaccurate and must be removed. 


XXXX  XXXX XXXX XX/XX/XXXX is marked as 150 days late on XXXX but 120 days late on XXXX. Delete immediately XXXX XXXX XXXX. XX/XX/XXXX is marked 150 days late on Experian but 129 days late on XXXX. Delete immediately Please expedite