23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Transunion and XXXX with no successful resolution. XXXX  and Transunion are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/ExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ; ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Product: Credit card or prepaid card

I was told i could not get a reversal on this payment even though it was fraud and not a real company also they wouldnt help by reporting or even trying to reverse the claim
Product: Debt collection

I was in involved in an NO FAULT accident XX/XX/XXXX that is still in litigation with XXXX XXXX company to date. This debt was/in under a lien towards the lawsuit. the original creditor is XXXX XXXX XXXX, XXXX XXXX CA. XXXX XXXX turned debt over to XXXX XXXX. ( XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX ) in XX/XX/XXXX. XXXX XXXX refused to remove he 3 negative reporting lines on 2 of my credit reports ( XXXX, XXXX ). My attorney has sent them several of letters asking them to remove the negative reporting which in return he refused and still charges interest monthly totaling well over {$1000.00} in interest alone. 
It is extremely unfair that this company is DOUBLE DIPPING with Lien and Extreme interest charges as well as RUINING my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX aka XXXX XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Request for Credit Report Third Notice Dear Credit Bureau Name , I am writing to formally request, for the third time, a copy of my credit report. I have previously submitted requests by mail, providing all required documentation. I am entitled to one free annual credit report and have not yet received a response despite multiple attempts. I kindly request that my credit report be sent to the address listed above. 

For verification purposes, please find my details below : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please process this request at your earliest convenience. I look forward to receiving my credit report within the time frame allowed by law. If there are any issues or additional information needed, I can be reached at the contact information provided. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XXXX on XX/XX/2023 XXXX on XX/XX/2023 There were XXXX charges to my account by XXXX XXXX  that were not authorized. I submitted a dispute request when I noticed the funds missing on XX/XX/2023 for XXXX, and XXXX. The latter was approved, but the former was denied on XX/XX/2023. I have never used XXXX XXXX and had not been asked to submit information. I received a phone call in XXXX from XXXXXXXX XXXXXXXX and explained that I did not authorize any charges on my account, nor did I know anyone from XXXX as well, which was where the money ended up. They stated they would call again for additional info but never did. Credit karma did not call to get any clarification from me but instead denied the dispute
Product: Credit reporting or other personal consumer reports

My information has been involved in a breach and my information has been comprised and used without my knowledge.
Product: Credit card or prepaid card

I opened a XXXX  credit card with Suntrust. The card did not allow for payments to be made online. The only way to pay the card was by telephone or by placing a check in the mail. I made a payment by telephone and received a letter in the mail informing me the payment did not go through. At the time I made the payment, I was told I did not owe a payment so I just figured I would wait for my next statment in the mail. After, not being able to use the card I call on XX/XX/XXXX and was informed I missed a payment. At this point I decided to payoff the card and close the account. I was unable to make online payments and get accurate information concerning the balance on the card and so I decided to just get rid of the card and close the account. I was given the balance on the account from the suntrust repersentative and gave by bank information over the telephone to pay and close the account. {$5100.00} was withdrawn from my savings account and given to Suntrust. The Suntrust representative closed the credit card account and applied the payment to an account that did not belong to me. I found out the payment was applied to the wrong account when I returned a call from Suntrust. I was told the situtation would be corrected and asked to file a complaint against the employee who applied my payment to an account that did not belong me. A letter was mailed to me from SunTrust on XX/XX/XXXX, stating that the balance was {$5200.00}. On XX/XX/XXXX, I receive a letter from Suntrust stating that the balance due on my card is {$5200.00} and that I have a past due amount of {$70.00}. They still have not correctly applied my payment. I reached out to SunTrust this morning, I'm told that in order to move forward with my call, I must answer two security questions. The first question was, " What is the credit limit on the credit card '' I don't know the answer to that questiong given that I closed the account and not able to look up that information. I was placed on hold and then latter told that a supervisor would call me back. I had given them my EIN number, the name of XX/XX/XXXXXX/XX/XXXX and provided the correct mailing address, but I can't move forward with my call because I don't know the credit limit on a credit card account that closed two weeks ago.
Product: Credit reporting

After viewing a copy of my credit report, I noticed a collection account placed on my credit reporting from XXXX in XX/XX/2014 Account # XXXX XXXX and Account XXXX XXXX. I am requesting that they allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit card or prepaid card

I'm single male and no other authorized user. I didn't use my VISA for over 2 years. My other credit card purchases are normally under XXXX dollars. When I decided to use this problematic VISA Bank of America last XXXX, fraud charges of over XXXX dollars suddenly appeared on my bill. You can easily spot fraudulent outliers. All the other suspicious fraud charges were reversed except for one transaction with verabradley.com amounting to {$260.00} dated XX/XX/2020 ( see billing statement ). I was working in Alaska for almost 10 months from XX/XX/2020 onwards. The company repeatedly refuse to reconsider the fraud stating that an authorized user ordered it. I never ordered, authorized and have no other user for the card.I am single. My normal charges in other credit cards rarely exceeds {$50.00}. Red flag for that verabradley charge. I tried to complain via telephone 800 call, letters, certified mail, and even going to a branch location & banker in XXXX, WA to discuss but the request fell on deaf ears.
Product: Vehicle loan or lease

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. It was affected by natural disaster. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED XXXX, TRANSUNION AND XXXX MULTIPLE TIMES TO INVESTIGATE THE ITEMS THAT ARE REPORTING ON MY CREDIT REPORT AND IF UNABLE TO VERIFY TO DELETE. 

I recently submitted a dispute requesting that they remove the following inaccurate accounts ( or that you update the erroneous information ) and it was ignored. I asked for their method of verification and documentation to prove they performed an independent investigation. 

They did not send me any sort of information but instead, denied my dispute and just verified everything as accurate. 

I also noticed that are reporting the date of the last activity incorrectly on one and payment history is inaccurate on the others. How is this possible? 

These disputes were ignored : XXXX XXXX - delete this account for inaccuracy, the date of last activity states : [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment date is reporting at 30, 30, R. This is a violation. 

XXXX XXXX AXXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment history is reporting in XXXX : 30, 60, 60, 60, 90, 60, 90, 90 this is a violation. 

I would like ALL of these accounts removed from my credit report as the bureaus DID NOT file an investigation nor did they provide me with the documentation asked in order to confirm their findings.
Product: Checking or savings account

Chime closed my account because I filed a dispute on a charge that was fraud. I called customer care and was constantly over talked by the representatives who were obviously reading from script and after asking for a supervisor for over 45 minutes I was transferred to someone who said they where an escalation supervisor who did the exact same thing so I asked who do I file a formal complaint with if I want to complain about chime as a company the agent kept putting me on hold and offering unrelated information after the conversation escalated the call was ended I violated no policy of chime they didnt want to give me my money back then after closing my account for no reason they deposit a refund and say I have to wait 14 business days just even get a check sent out Ill be waiting months to cash a check thatll cost more to cash than its for all because chime didnt like that I was rightfully upset that someone was agin able to steal from my account and I had to suffer this is harassment and discrimination the constitution protects my right to freedom of speech that should not have closed my account I will be taking legal action I expressed to them that chime wasnt a good bank and that after my refund was deposited and I withdrew I was closing my account and obviously it was used against me literally the day after they email closing my account they email me depositing my refund
Product: Credit reporting or other personal consumer reports

I sent out a dispute to the credit bureau and creditor about this proclaimed debt i owe that is negatively affecting my life. still as of today i still have not received any response from neither the credit bureau nor creditor to validate or verify this account nor the proper documentation they took to validate or verify this account prior to placing this on my report. As stated under 15 u.s.c 1681i method of verification was not supplied!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
AMERICAN EXPRESS XXXX Balance {$2200.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXX/XX/XXXX
Product: Mortgage

I pay my mortgage through Bill pay with my bank to Select Portfolio Servicing. 
I switched banks and on XX/XX/XXXX, I sent {$100.00} as a test. On XX/XX/XXXX, my bank sent a check for $ XXXX for payment. The servicer shows receiving the check on XX/XX/XXXX and cleared my bank on the same date. However, they only show it applying to my principal in $ XXXX increments. On Tuesday XX/XX/XXXX, I spoke with 'XXXX  ' and he claimed they received a check, it was in processing, but didn't know what to do with it ; that I did not instruct them what to do with it ; that they wouldn't call or inquire about it, but maybe eventually they would. He said he would tell them to post it against the principal. On XX/XX/XXXX, I called again because only another $ XXXX was posted against my principal. I was told by 'XXXX ' that their system only allows up $ XXXX to post UNLESS, I made a payment by phone which comes with a fee that they might waive if I was applying all of it to the principal. She assured me that I should see that all of it will be reflected by XX/XX/XXXX. 
The original check was 1 check for $ XXXX sent XX/XX/XXXX and that they are posting against the principal in $ XXXX increments. They show receiving it but not applied to the principal. I do not understand how 1 check can be broken up into 6 different parts over 6 days. The answers I receive are vague when I question how doing it by phone will credit my principal in the full amount but sending by check or electronic transfer is limited to $ XXXX per day. 

This is SelectPortfolioServicing. 
From their website : " If you are current on your loan, and you pay us more than this month 's payment, the excess amount is used to reduce any fee balances first, then the principal balance of your loan. Any time additional money is applied to your principal balance, your loan may be paid off faster, assuming you continue to make your payments on time. 

If your monthly statement shows Past Due Payments, and you pay us more than this month 's payment, the excess amount is held in an unapplied balance until the balance reaches the amount of a regularly scheduled principal and interest payment. We then take the amount out of unapplied balance and apply it as a monthly principal and interest payment. '' I am current and my account does not show Past Due Payments. I have continually paid more than the scheduled payment and they have always applied it without question or holding. This was a large payment and they are holding it in unapplied funds, letting out $ XXXX at a time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continues to report inaccurate collection on my report., from company pmab llc
Product: Credit reporting or other personal consumer reports

Experian continues to report wrong information from a collection agency. Ive submitted true copy from the courts showing the attempted debt amount is almost 3 times the amount the company requested from the courts. I also submitted proof the court did not grant a money judgement. Ive been asking for this issue to resolve for over a year. Experian also reported that this debt occurred in one month in 2023 and that incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of sending dispute letters to Transunion requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up on my previous complaint and letters I submitted on XX/XX/2023, and to inform them that I am halfway of taking legal action and sue the Credit Bureau for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This company is reporting 2 accounts but they are the same fraudulent account that is a result of An account that I DID NOT AUTHORIZE TO BE OPENED, WHICH RESULTED IN UNAUTHORIZED CHARGES, I HAVE NO KNOWLEDGE OF THIS ACCOUNT! IT DONT BELONG TO ME! I HAVE REPEATEDLY DISPUTED THE ACCOUNT REQUESTING TO REMOVE, THEY HAVE NOT DONE SO. XXXX XXXX Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts listed below must be removed ( XXXX XXXX ) XX/XX/2022. 
XX/XX/2022. 
XX/XX/2022 COMPANY WAS NOTIFIED THIS WAS A FRAUDULENT ACTIVITY XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX TRANSUNION INTERMEDIATE HOLDINGS , INC . 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX This account as been notified as a fraudulent account that and opened falsely under my name. i have no supporting documents saying i owe this debt or account- NO SIGNED COPIES
Product: Student loan

I borrowed a loan from XXXX XXXX ( now Navient ) in 2008 for {$12000.00}. XXXX. When I signed the promissory note I was not given any information about my loan payments or additional charges I would receive. I have asked Navient several times to give me copies of my loan details and I have finally found the statement I received on X/XX/2008. The payment schedule and disclosure statement states that I borrowed {$12000.00} at a 10.605 % interest rate and was given a finance charge of {$29000.00}. It states that after I have made all of the payments I will have paid {$41000.00}. How is this fair?! This means that by the time I am finished making these scheduled payments, I will have paid back 3.5 times what I borrowed. If I had known this, I would have never agreed to this loan. I am working and have not been late on any payments but it is not right to be charged this much money. I have another loan with Navient where I borrowed {$12000.00} and was given a finance charge of about {$6000.00}. I do not understand how XXXX XXXX/Navient can get away with this. Please help me.
Product: Credit card or prepaid card

- No Credit Authorization Form from merchant who overcharged without my permission - Fraudulent charges not made by me - High balance incorrectly reported to all bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off from work due to COVID-19 find out my XXXX and XXXX pmt are late. I call Im they tell me payments were applied incorrectly. I cal back again in XXXX was advised of the same thing and everything would fall into place and be on time so I make my XXXX payment and its reported 30 days late after I was advised when making the payment it would be on time and not reported late. This is been going on for 4months I call and I get we will call you back and no response. Now Im 3 months late on my account when I was advised everything would be Fine and pmts would not be late
Product: Consumer Loan

Husband received a call on his cell phone attempting to locate XXXX ( me ) in regard to collecting an alleged debt that was never owed to XXXX ( XXXX ) on a prior lease from nearly 10 years ago. All state statute of limitations have expired years ago and Ally sold the paper to NorthStar Collections ( XXXX ) XXXX. 
The representative informed my husband that she could not discuss the mater with him, but that the creditor was XXXX and that I needed to call Northstar Collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

As a preferred rewards member with Bank of America, I've received numerous offers for opening a XXXX XXXX brokerage account. Funding this account with {$50000.00} makes me eligible to receive {$220.00} in incentive. I spoke to XXXX, and XXXX who said this was not in the terms and conditions. They we're representatives from Maryland, call back number was from XXXX at XXXX XXXX  EST on XX/XX/2020. I wish to have the terms and conditions and my account reviewed at an executive level, as this is false advertising and predatory.