23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The Synchrony Bank Card has decided to charge {$1.00} per statement to send it by US Mail, waives fee for signing up for Ebill. I signed up for the Ebill and did not receive the email for XXXX. I have received other Emails from them regarding the late payment. They are charging {$27.00} for late payment and will not remove the late payment from my balance due. I thought XXXX XXXX mandated I can not be charged more than {$8.00} for a late payment? Please help me with this dispute. 
Thank you
Product: Credit card or prepaid card

I recently noticed a {$910.00} charge for a grocery store on my statement. When I noticed the charge I reached out to Chime to dispute this charge. I was told to submit supporting documents for them to be considered and that the investigation could take up to ten days. Also, during the call I was interrogated and treated as if I am a criminal for trying to recoup my stolen funds. 

After the call, I submitted my supporting documents roughly 10 minutes later. Directly after submitting my supporting docs, I went to check my email and I have a email from Chime s dispute team denying my claim. They sent this denial before even receiving my documents. I work XXXX XXXX XXXX. My supporting documents are just my work schedule showing that I was working at the time of the transaction. When I called back after getting the denial, I expressed my displeasure with their decision and that I believe that there was no investigation done. Chime told me that my only options are for them to resubmit my claim for consideration or just accept the decision. I do not want to accept that an investigation was done and that I am ok with Chime REconsidering my claim as they never did review my claim. Within in two minutes of my initial call, a decision was made that I dont deserve funds stolen from my account. As a consumer its not my job to prove Im a victim. I should be able to report the fraud and feel comfortable with the idea that my bank with research this dispute diligently. That is not the case. Chime does not want to cover their customers but still be considered a legitimate financial institution. They are not upholding their promise to me as a customer and most importantly, Chime owes me {$910.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is regarding account # XXXX, which you claim {$2100.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My contact information is as follows : XXXX XXXX XXXX
Product: Mortgage

My wife were buying a house and maid the up front payment of {$1500.00} for due diligence 's money, and {$960.00} for home inspection. we were told that we needed {$4200.00} upon closing.. On the day of closing we were told that we needed {$10000.00} to close on the loan.. We were not ready for this addition cost and thus were not able to close on the loan. The loan provider stated she did not lock our rate in until the day before closing thus sending the cost to {$1000.00}
Product: Debt collection

On XX/XX/XXXX, I received an email from XXXX XXXX XXXX XXXX which alleged I owed a debt to XXXX XXXX with the account originating from XXXX XXXX XXXX  and XXXX. On that same day I responded by email requesting verification of the alleged debt. XXXX XXXX XXXX XXXX did not reply or provide verification of the alleged debt. On XX/XX/XXXX, I recieved an email from Tate & Kirlin Associates which claimed to have been hired to help resolve the alleged XXXX XXXX XXXX and XXXX balance that was purchased by XXXX XXXX. On that same day, I responded to the email as instructed requesting verification of the alleged debt. My reply email was returned twice after which I called the phone number provided in the email from Tate & Kirlin Associates. The employee who answered my call then provided the contact person 's email of who is tasked with my alleged account. I emailed this person requesting verification of the alleged debt that same day ( XX/XX/XXXX ). As of the date of this complaint ( XX/XX/XXXX ) I have not received any of the requested information from that person or Tate & Kirlin Associates. However, I have received XXXX ( XXXX ) emails from Tate & Kirlin Associates in that time requesting payment ( XX/XX/XXXX and XXXX, XXXX ). I replied to the second email I received XX/XX/XXXX, asking them to cease communication until the alleged debt is verified as well as attaching a copy of the original debt verification I sent XX/XX/XXXX. After my second request of alleged debt verication, I received a third email from Tate & Kirlin Associates on XX/XX/XXXX. I have reason to believe this alleged debt is not mine, nor valid.
Product: Debt collection

I have been try to communicating with this collection agencies by asking them to provide proper documentation by validating that the account belong to me by showing the proper documents with my signature on it and make sure this account was opened by me and know one else. They refused to they just send print off stuff that im not aware of. I am willing to take care of account if it get validate properly
Product: Credit reporting or other personal consumer reports

I asked them to remove this from my credit account. I have no obligation of {$2700.00} to Financial Network Reco.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous inquiries are appearing on my credit report as a result of identity theft. These items we're disputed with equifax on XX/XX/2021 as a result of fraud. A total of 7 fraudulent inquiries appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I evaluated my XXXX Credit Report and noticed several inaccuraries related to reporting information. Specifically, Navy Federal is reporting several late payments that are not accurate. Below is a copy of transactions. 

NAVY FEDERAL CR UNION Closed 51 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XXXX XXXX, XXXX Credit Limit - {$1300.00} Payment Info Status Paid, was a charge-off Status date XXXX XXXX Past due amount - Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX View less XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX - - - - - - - - - - - On Time CO Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable
Product: Credit reporting or other personal consumer reports

Please consider this as my formal complaint to the Fair Collections & Outsourcing for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.
Product: Credit card

I had cancelled my Discover card on XXXX XXXX, 2016 and not only was the account closed, but a refund was issued. However, every month since then I 've received bills for a {$54.00} charge. I wrote back on XX/XX/2016 and asked to have an accounting of what the charge represents. A reply on XX/XX/2016 again stated that my account was closed and nothing owed. 
But, the invoices keep coming and now no one at Discover will help - the amount is small but I 'm XXXX years old and do n't need an unblemished credit record stained,
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 XXXX XXXX XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

According to codes statues herein it is unlawful to denie access to ones XXXX XXXX XXXX estate to the Cesti Que vie Act of 1666. According to 15 U.S.C 41 we all have Equal credit opportunity after i gave them my exemption bond No. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until the month of XXXX of XXXX I have submitted multiple requests to have information verified and each time nothing happens. Please examine my documents I have put together that shows the credit bureaus incapability to assist me in the matter. 

As of XX/XX/XXXX I have received response from XXXX and XXXX. Both companies are 100 % certain the investigation they conducted was thorough and fair. Attached will be a letter thoroughly explaining what information is wrong and from what accounts.
Product: Debt collection

The school has been paid through the VA and federal grant. They were penalized for issues on there end and the federal government took back the pell from them and now the school is threatening me. I also did not give them permission to run my credit but I was alerted today that they ran my credit.
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 account number XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX A account number XXXX  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. 16881s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

my name XXXX XXXX XXXX i get supplment secuity payment XXXX to account XXXX XXXX rounting num, ber XXXX on XXXX/XXXX/2016 loacl office XXXX XXXX XXXX XXXX XXXX ny XXXX. input direct deposit netspend ace elite card XXXX my socail secuity XXXX account XXXX. on XXXX/XXXX/2016 unipt XXXX XXXX XXXX XXXX account for paayment XXXX/XXXX/2016 ssi/ socail secuity XXXX account XXXX frame transaction account bank cards
Product: Credit reporting

I DISPUTED A COLLECTION ACCOUNT FROM XXXX IN THE AMOUNT OF {$14000.00} THAT APPEARED ON MY REPORT IN XX/XX/XXXX. I DO NOT HAVE AN ACCOUNT WITH TBF FINANCIAL NOR HAVE THEY CONTACTED ME NOTIFYING THAT I HAVE AN ACCOUNT WITH THEM. I FOUND OUT THAT THIS COLLECTION WAS ON MY CREDIT REPORT AFTER BEING DENIED CREDIT. I TRIED CONTACTING XXXX TO VALIDATE THIS DEBT BUT I HAVE NOT GOT A RESPONSE. I HAVE DISPUTED THIS COLLECTION ACCOUNT WITH TRANS UNION MULTIPLE TIMES AND THEY GIVE THE SAME RESPONSE, " VERIFIED, NO CHANGE ''. EACH DISPUTE IS COMPLETED BY TRANS UNION IN A FEW DAYS, WHICH LEADS ME TO BELIEVE THAT THEY ARE NOT DOING A FULL INVESTIGATION. I HAVE REQUESTED TRANS UNION MULTIPLE TIMES THAT THEY SHOW ME WHAT METHOD WAS USED TO VERIFY THE COLLECTION ACCOUNT AND THEY DID NOT SUPPLY IT. IN MY LAST ATTEMPT TO GET THIS INFORMATION CORRECTED I SENT A NOTARIZED LETTER ON XX/XX/XXXX ASKING TRANS UNION TO RE-INVESTIGATE THIS COLLECTION AND HAVE IT REMOVED FROM MY REPORT. I CALLED TRANS UNION ON XX/XX/XXXX TO CHECK ON THE STATUS AND THE TOLD ME THAT THE INVESTIGATION WAS COMPLTED ON XX/XX/XXXX WITH THE SAME RESULT ; " VERIFIED, NO CHANGE ''. I AM REQUESTING YOUR HELP TO HAVE TRANS UNION DO A FULL INVESTIGATION AND HAVE THIS XXXX COLLECTION ACCOUNT REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} XXXX XXXX. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.
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. 

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 XXXXXXXX, 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: Mortgage

On XX/XX/XXXX we closed escrow on our property refinance. As of XX/XX/XXXX our pre paid property tax remains unpaid. 

XXXX of XXXX XXXX XXXX contacted me on XX/XX/XXXX to inform us the XXXX County tax payment of {$1100.00} was returned to their office because it was short. It was during this call I explained that XXXX was being paid off with the closing funds and that the amount the County was requesting is wrong. You insisted we were responsible for paying the difference regardless because that was the amount the County was asking for. Reluctantly, I paid the difference of {$1300.00} on XX/XX/XXXX. 

I contacted XXXX on XX/XX/XXXX to inform them I received a corrected tax statement and needed direction from them on whether we he was going to contact XXXX County to obtain clarification. Per our phone conversation this morning, the County has confirmed the over payment however since they are still processing all the payments they received, they could not provide you with an estimate of when a refund would be issued to your company. I expect your company to honor the disbursements of funds set fourth in the closing statement, issue a check to XXXX County for {$1200.00} and call me within 2 business days to schedule a time to pick up the refund check due to me in the amount of {$1200.00}. 

We have paid the tax bill twice 1 ) during initial closing 2 ) on XX/XX/XXXX. They are now insisting we make a third payment of {$1200.00} to pay the corrected statement. 

I received the following response : " Hello XXXX, I understand your frustration and our apologies for your inconvenience. I spoke with XXXX at the tax collectors office 3 times today trying to get a better idea to resolve this issue. We reached out to you on XX/XX/XXXX only due to a letter ( attached ) we received from the tax collectors office that the amount sent was incorrect. We only learned about the cancelled tax bill last week when you called our office. Per XXXX suggestion, he stated that we check back with him mid-XX/XX/XXXX as they do not have control over when their office can send back the check we sent them. I suggested that we stop pay the check they are holding and issue the correct amount but he stated that the check may get processed and well incur a fee if they process it. We will stay on top of this and check with the tax collectors office on a weekly bases with the check status. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaints, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$410.00}
Product: Credit reporting or other personal consumer reports

I have submitted many disputes about incorrect information and accounts on my equifax credit report over the pass XXXX years and none of them have been handled as requested
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019 I found inquiries on my credit profile I do not recognize. The inquiries in question is from XXXX XXXX  Credit Card, and XXXX XXXX. I ask that you remove these inquiries immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit file I recently reviewed a collection reported by XXXX  XXXX XXXX XXXX. Experian has allowed this erroneous collection to report to my credit file. 
In pursuant to the FCRA section609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Experian. I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Experian consumer file. All information in pursuantto the FCRA section 609 should be mailed to XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Inaccurate Information from Credit Report I am writing to dispute the following information on my Equifax credit report. The accounts in question are : Account Name and number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts contain several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ). According to these sections, all information on my credit report must be 100 % accurate across all three credit reporting agencies. If the information can not be verified as accurate, it must be corrected or removed.

This inaccurate information is unjustly affecting my credit standing. Therefore, I request that you investigate this matter and remove the inaccurate information from my credit report. Enclosed are copies of my credit report highlighting the inaccuracies, as well as any supporting documentation.

If my request is not fulfilled within 30 to 45 days, I will proceed with litigation to collect {$1000.00} in damages for each inaccuracy on my credit report, as permitted by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

There a some huge issues with the collection that showed up on my credit report yesterday. One, it is well beyond the statute of limitations in Florida. Also, this is for a XXXX account that my ex-husband open years ago without my knowledge or permission. XXXX recognized this and subsequently removed my responsibility for the balance owed approximately 7 years ago. I believe Convergent bought some old debt and is trying to make some money without even attempting to find out if the debt is even valid. I am in the process of buying a house for myself and my children and this just made my credit score drop 40 points!