23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX - Contacted XXXX XXXX  prior to debt showing up on my credit file, I let them know debt was invalid. I followed up because the correspondence said I must respond within 30 business days or debt would appear on credit file. I called - Company stated they would contact the issuer of debt and place a dispute in regards to a debt of XXXX $ which showed on my credit file for XXXX XXXX  XXXX XXXX. 

XX/XX/XXXX- After waiting 30 days with no response, I called back company said they were still working on it and not to worry wont be on credit file, while disputing. 

XX/XX/XXXX- debt appears on credit file- I was was trying to rent a home. This prevented me from renting home of my choice. 

Contacted the company - company stated a representative accidentally put it on credit file I sent second dispute letter XX/XX/XXXX requesting removal from credit file. 
Followed up : XX/XX/XXXX. 
Company Stated : didnt receive dispute. 

I sent third dispute letter XX/XX/XXXX Followed up :  XX/XX/XXXX. 
Company Stated : dispute was received. 

Contacted company - XX/XX/XXXX to check status of dispute, because I had not received a letter in mail or any followup in regard to debt validation. 

Company stated : dispute not received - However my credit report stated account disputed by consumer meets FCRA guidelines Contacted company today XX/XX/XXXX to check status rep is now saying no dispute on file. After last rep stated dispute received. This company is giving me the run around and has not after almost a year responded to any of my concerns. My credit score is declining because of this company. 



Company is about a 1 year past the required 30 day FCRA debt validation. The company is based is US however their call center is not it appears reps are script reading and doesnt follow up. Please, help. Thank you.
Product: Credit card

Chase and Chase Freedom Card Services closed out complaint with not addressing any of the concerns or multiple bank and electronic errors that happened on JP Morgan Chase side not mine.

I went into depth about multiple payments ( from my other checking XXXX XXXX ) were returned for no apparent reason. There were available funds and Bank institute info was correct. For whatever reason Chase automatic payment system had issues processing payment, and I have submitted proof in this new claim. 
After not knowing multiple payments were reversed for over a month, from my external bank account, I then went back to connecting my internal Chase XXXX XXXX Checking Account I have had for almost 15 years. 
I then made a payment promptly for {$280.00} because I was on a payment arrangement plan that was setup with XXXX card. After XXXX setup an automatic payment to be debited on the XXXX of every month ( cycle date ). After setting up an auto payment for minimum payment of {$280.00} to be directly debited from Chase checking account, on the XXXX of XXXX {$7600.00} was taken out instead. The full amount of card was taken out without authorization from someone who was on a payment arrangement status of {$280.00} dollars a month to bring card current, but was debited almost XXXX. 
Not only did that overdraft my checking account but it showed freedom card was paid off but no available credit. I also could not use Chase checking account for several days each attempt because this transaction overdrafted my account everytime. I could do nothing. I tried calling claims and talked to a XXXX manger at local Chase bank, and I could not reverse ACH payment or temporary credit until done pending. I also knew from being with Chase for almost 15 years, after charge fell off, system would attempt again.

I waited when it did first time and when charge fell off I even tried to make another minimum payment promptly, because even a minimum payment would buy me another 30 days to get account current.

With the other payments failing mutiple times and myself not knowing those failed for no apparent reason, my account was already past 70 days. I know from past my XXXX account can go up to 90 days past before closure. I submitted a payment for {$280.00} and yet the system still tried to pull out over XXXX, even after I tried to make minimum payment. 
After third and final attempt and over drafting checking account once again, and min payment still not processed for whatever reason, my XXXX XXXX after 6 years and me always paying, closed because of chase system error.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : SECURITY CREDIT SERVICES Account number : XXXX
Product: Credit reporting or other personal consumer reports

Case Reference Number : XXXX CFPB File Number : XXXX This complaint is a REBUTTAL to a response from XXXX XXXX dated XX/XX/year> regarding a dispute on the above CFPB File Number and Case Reference number & also previous disputes regarding this account.

You've responded to my previous DISPUTE with a statement stating that you have reported accurate information. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, stop providing me with information I did not ask for. 

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a 30 day late payment that occurred on my Discover account in XX/XX/2018. Discover has refused to do an investigation into the matter so I escalated the issue to their corporate office of Customer Advocacy and to the CEO 's office but nothing has been done. 

After reviewing my account with Discover multiple reasons why the late payment occurred : The minimum payment had increased around XXXX/XX/XX/2018, but the auto pay did not make this adjustment. 
I submitted the payment on time, via a phone payment on or around XX/XX/2018 but it bounced on XX/XX/2018, then Discover represented the phone payment XX/XX/2018 and was returned XX/XX/2018 because the Discover Financial Services representative took down my incorrect bank account number to process the payment that bounced. 

XXXX XXXX acknowledged to me that the payment kept bouncing because Discover had the incorrect bank information to process the payment that kept bouncing. Discover Financial Services representative made a mistake that caused my account to have a 30 day late payment. 


Discover Financial Services is violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 3 ). Discover Financial Services never added the required sentence on my credit report stating, " Customer has disputed the validity of this account '' within the required 30 days of the disputed item. 

Discover Financial Services is also violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 2 ) ( B ). Discover is not allowed to report inaccurate or incomplete information. 

The month in question of the 30 day late payment I had over {$7000.00} in my bank account and could of easily made the minimum payment or paid off the whole account in that statement period. 

I qualify for this removal of the late payment because I have never missed a payment before the incident or after the incident and there was negligence on Discover. Discover is reporting inaccurate, incomplete, and not verifiable information to the Credit Bureaus ( XXXX, XXXX, XXXX, etc ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information regarding an alleged late payment. We were never late on this account. I have disputed this information with XXXX XXXX XXXX and they have claimed to verify the information as accurate. However, I was able to locate the agreements signed by an account representative of their company which moved the seasonal payment due date and receipts and confirmation numbers showing we continued to make our regularly scheduled payments during this time. The seasonal payment is a flexible payment that is contingent upon when customers receive their tax returns back from the federal government, in which consumers have no control over. A payment can not be late is the due date is modified in writing by a representative of this company. XXXX XXXX XXXX continues to report this inaccurate information despite my dispute, and efforts to bring a duty to report information accurately per the Fair Credit Reporting Act to their attention. I have disputed this information with the Credit Bureau, XXXX, as well who has also claimed to verify the information as accurate when in fact it is not, and the enclosed records provided to both companies proves this. However, they continue to report this inaccurate information in violation of my consumer rights under the Fair Credit Reporting Act.
Product: Credit card

Hi, I received an email that my application for a credit card from Bank of America was denied. The name of the card was XXXXXXXX XXXX XXXX XXXX XXXX. I did not apply for this credit card. This happened on XXXX XXXX. I reported it to Bank of America and XXXX.
Product: Credit card

Care Credit, also known as Synchrony Bank, will not allow me to pay my accounts online due to requiring an updated phone number. In this field, it states a phone number is required. It also has a disclaimer, that you can not opt out of, stating the consumer grants permission to Synchrony/Care Credit to call cell phones. I spoke with customer service and they would not give me a way around this prompt so I could pay my bills online.
Product: Credit card

I signed up for a new XXXX through Bank of America. Via phone, I immediately set up automatic payments to be applied to my account so that my credit card balance would be paid in full on time every month. I received an account statement on XXXX XXXX reporting that my automatic payment would applied on XXXX XXXX. On XXXX XXXX, I noticed that I was charged a late fee and finance charge. I spent 45 minutes on the phone with Bank of America trying to figure out why my statement reported that my automatic payment was all set up, but I was still charged a late fee and a finance charge. At the end of the call a representative waived these charges and attributed the incident to " bank error. '' On my XXXX XXXX statement, it says that an automatic payment will be applied on XXXX XXXX. I do n't know whether to believe my statement, or to assume based on this experience that they are just printing this on my statements so that they can collect late fees and finance charges at my expense, forcing me to call into customer service month after month.
Product: Checking or savings account

There was fraudulent activity committed on my account on Wed., XX/XX/2019. I was not notified by my bank whatsoever. I noticed me being locked out of my online banking app and I called the 1800 number that night when I got home from work in regards to me being locked out. They proceeded to tell me that there was a hold on my account due to fraudulent activity. The operator told me to go to my branch the following day ( XX/XX/XXXX ) and take my ID to get things resolved. I went the following morning to the XXXX XXXX XXXX branch in XXXX, IL. The banker told me that they were going to close my account due to my account putting their bank at risk for fraud. She asked me did I issue my login info to anyone and I told her that I did not. She proceeded to tell me that their would be a hold on my account to where I can not withdraw money but deposits are still able to be made. I told her that my work check would be deposited on the next day, Friday, XX/XX/XXXX. I called my job and they said they had already deposited the money that morning ( Thursday the XXXX ) and that the only way they could give me a paper check was if the bank rejected the deposit. I asked the banker could they put a hold on it for deposits to be rejected as well, she told me no. The next day, which was Friday XX/XX/XXXX, I called the branch to speak with a manager about me being able to take my deposit out of the bank during this investigation. I was informed there was a double hold on my account now that was put into place that morning. My direct deposit has already hit my account at this point. The bank waited to collect my direct deposit before placing that deposit hold on my account. I talked to the assistant manager who was very rude and disrespectful. She told me I had the option to pay the negative amount in my savings account to make it {$0.00} and then the hold would be lifted and I could withdraw my funds from the checking account. I didnt understand that. The asst. manager told em over the phone that she did not have time for attitude and that was the only option I had. I asked her for her name which she failed to give me and refused to give me. She told me if i paid the money that maybe, well see about giving me the money in my checking. I told her I would call the XXXX XXXX XXXX and let them know how rude and unprofessional they were. She proceeded to call me a fraud and tell me good luck with letting the XXXX know that I am a fraud and committed fraud on my own account. She then hung up on me. So on Saturday, XX/XX/XXXX, I went to her specific branch to try and gather and understanding as to how Im responsible for them giving money for a check through my online mobile banking app without my proper signature on it, and also Ive never had that much money in my account ever. They didnt call and verify this online check with me. They made {$200.00} available and the hacker withdrew that {$200.00} instantly through the atm. I should not be responsible for this {$200.00} because they failed to protect me through verifications. Now they are holding my money in my checking account.
Product: Credit reporting or other personal consumer reports

While looking at my credit reports on XXXX, I noticed 4 hard inquiries on my report, that I had not applied for. I have been a victim of identity theft and I've made police reports, locked my credit report, with the 3 major credit companies, I've been working hard on keeping my credit good and to see this on my report is a eyesore. XXXX XXXX XXXX Feb/Destiny ( Bank ), XXXX XXXX XXXX CB INDIGO BANK  XXXX XXXX XXXX XXXX XXXXMilestone Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is listed on my credit report for XXXX dollars XXXX couldn't explain the bill I spoke with reps and supervisors I disputed the bill with XXXX I never received a bill from XXXX I found out about bill when I found out by credit alert trans union has bill on my credit report without proof I owe because there is no proof trans union didn't remove from my credit bureau also medical bills which I never received a bill XXXX had the account with a credit agency
Product: Credit card

{$350.00} on XX/XX/year> from XXXX XXXX XXXX XXXX XXXX, XXXX  was charged with my Citi Costco business card. 
I had filed a dispute from the credit card company and was denied. I was told because the charge was made by someone in person in the store. Since I have the card with me at all time, so no refund was made. 
It is impossible unless someone has duplicated the card. I dont live XXXX XXXX XXXX XXXX I live in XXXX XXXX which is XXXX hours XXXX XXXX XXXX. I was in XXXX XXXX on XX/XX/year> with my family at the time of the fraud transaction. 
I have requested from Citi card to provide proof that the transaction in fact was made in person and they refused to provide the information. 
I have contacted XXXX XXXX and they refused to look into the transaction as well.
Product: Mortgage

I had a verbal conversation with a representative whom promised this forbearance would be put to the rear of loan, the company refuses to produce this recording The company admits not allowing communication with Ombudsman yet they continue to attach responsibility The company refuses to look at SEVERE HARDSHIPS
Product: Credit reporting or other personal consumer reports

I am writing this letter with a steadfast determination to dispute the fraudulent accounts that have infiltrated my credit report. It is imperative that you take immediate and decisive action to rectify this situation, as it is causing severe damage to my financial well-being. I am resolved to see these errors corrected and hold TransUnion accountable for its role in safeguarding the accuracy of my credit report. The following fraudulent accounts have appeared on my credit report, casting a shadow of doubt and mistrust on my creditworthiness : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Despite my relentless efforts and unwavering determination, these fraudulent accounts persist in wreaking havoc on my credit profile, causing irreparable harm to my financial standing. I am not merely requesting but DEMANDING that TransUnion launch an immediate, thorough, and determined investigation into these disputed accounts, ERADICATE them from my credit report, and provide me with a corrected credit report that truthfully reflects my creditworthiness.
Product: Credit reporting or other personal consumer reports

This is now my third formal dispute regarding the fraudulent and inaccurate reporting of my XXXX XXXX XXXX ( Account No. XXXX ) on my Experian credit report, and I have reached my absolute limit with Experians blatant negligence, willful misconduct, and reckless disregard for the law. Despite multiple disputes and more than enough time to correct this indisputable error, Experian continues to knowingly misreport my payment status as " Current, was past due 30 days, '' while XXXX and XXXX correctly report " Paid or paying as agreed. '' This is not a simple mistakethis is intentional falsification of my credit data and a clear violation of federal law. Under 15 USC 1666b ( a ), a payment made on time CAN NOT be reported as late, yet Experian knowingly fabricates false late payment history, even as XXXX and XXXX show no such delinquency. This is a direct violation of 15 USC 1681e ( b ), which legally requires Experian to ensure maximum possible accuracya duty it has flagrantly failed to uphold. Further, XXXX refusal to conduct a real, lawful investigation, as required under 15 USC 1681s-2 ( b ) and 15 USC 1681i ( a ), is undeniable evidence of its deliberate noncompliance. This is not a case of incompetencethis is willful fraud, and I will no longer tolerate Experians reckless and illegal actions. Experian is now in direct violation of multiple federal laws, including 15 USC 1666b ( a ), 15 USC 1681e ( b ), 15 USC 1681s-2 ( b ), 15 USC 1681i ( a ), 15 USC 1681n , 15 USC 1681o , and 12 USC 5531 , all of which mandate accurate credit reporting, proper dispute investigations, and protection against deceptive financial practices. Under 15 USC 1681n, Experian is legally liable for statutory damages of up to {$1000.00} per violation, and given its ongoing, repeated violations, these penalties continue to accumulate daily. Additionally, under 15 USC 1681o, Experian is responsible for actual damages, as its false reporting has directly caused financial harm, credit damage, and emotional distress. Its failure to comply with 12 USC 5531 further proves its deliberate refusal to uphold fair and legal credit dispute handling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid for Experian 's credit monitoring for the last 3 weeks. ( Today 's date XX/XX/2018 ) I have gotten alerts ( Which I have screen shots of ) and when I logged into my account I could not see what effected my credit. Then they had a tab that said new collections were filed with a total amount of {$370.00} due and when I clicked on the link to see what the " New collections '' were they only showed accounts that had been on my report for over 5 years. I am writing you because I feel that the company 's process or whatever you'd like to call it is manipulative. They send you an email stating your report has changed then dont provide any information as to why its changed. I believe this to be fraudulent and not a fair or honest way to practice reporting. I am bringing this information to light in hopes that it is looked into. If you need any help at all or need to call me I will provide my information below to assist with anything to help you investigate Experian. 

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

I initially attempted contacting the credit reporting agency to remove late payment that has a derogatory effect on my credit and also was not authorized by me and also is against the law per Consumer law-15 U.S. Code 1681a. The changes that were made was not an actual correction to my credit reportXXXX XXXX XXXX ( XXXX ) is reporting a late payment on my credit report. Please remove late payments off of my credits report, this information is not correct and violates my right as a consumer, Per Consumer law-15 U.S. Code 1681a. any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. This is reporting as derogatory on my consumer report and is not authorize by me please remove derogatory information per consumer law 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is the creditor of payments that should be reversed or removed.