23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment recorded on my credit report. After thoroughly reviewing the information, I believe there are errors that need to be corrected.

Upon reviewing my credit report, I noticed discrepancies regarding the reported late payments. I have consistently met my financial obligations on time and believe there may be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX have already updated their records for this account. 

XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed bankruptcy in 2015 but never foreclosed on the home and continued making on time payments to Key bank. These payments are not being reflected on our credit report so we're not getting credit for them. We're trying to get a home equity loan with our credit union but because it doesn't show any payments being made to Key Bank they are unable to help us. I filed a dispute and the results that I got was that the whole history of the account with KeyBank has been deleted from my credit report. But that's not what I'm asking, I'm asking for the payments that we're still making to be reflected. I feel like we're making payments for nothing. Who's to say that once we eventually do pay off the house that they just keep the title and the house never is placed in our name. We can not continue to stay in a home that needs repairs without getting a loan for repairs. So we either need to be able to get a home equity loan or walk away from this house. I've tried contacting the lender and I just get the runaround every time I call. They transfer me to one person who transfers me to another who transfers me to another and eventually they say they'll call me back and they never do. This has happened on multiple occasions. I've tried writing them. All that got me was now when I log online it actually shows a balancece on my account. I feel as though we are the only ones trying to make things work here. Please advise
Product: Credit card or prepaid card

Hi, On XX/XX/XXXX Capital One has cut my limit from {$5000.00} to {$1500.00} just because I started using the credit card again. 
Their justifications for their action on the letter that they sent me ( See attached ) does not make one bit of sense and I feel extremely insulted. I have/always had excellent credit. I never missed a payment on this or any other card/loan, I have ZERO derogatory marks on my credit report, my FICO credit score is XXXX and my utilization ratio has been less than five percent consistently over the past 7 years. Basically I have been one of the most creditworthy people in the entire country.

Because of my job I used to travel a lot and used my airline credit cards for mileage points but since the pandemic which I basically work from home via XXXX  I have no use for those flying points so I decided to use my Capital one card again for cash back but as soon as I did, Capital one has cut my limit significantly. 

If they point to the lack of usage, I say that the situation has been like this for quite a long time ( I have been with them for almost 7 years ). 
The truth is that the only justification is direct XXXX  on Capital One part. It obviously shows that Capital One Bank USA NA racially profiles its customers and puts them in different categories based on race.

I am a high income, extremely low risk customer but this horrendous treatment from Capital One unfortunately proves that there are other factors in play. 
I wholeheartedly demand that you take action against them because enough is enough with this systemic XXXX. 



Best Regards, XXXX XXXX
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 have all violated me 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 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

Knowledge of the final debt from the Apartment complex was received through a credit monitoring vendor. I never received written communication from the apartment management company stating this was the final debt. In addition, this file was provide d to BLAKELY-WITT & ASSOC INC i n  XXXX   2017  and I received NO notification and opportunity to dispute or validate this debt. As a matter of fact, I have yet to receive a written statement or written notice. The entry in my credit report should be removed and the process should start again. I will dispute the charges from the original creditor  XXXX  of  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED FOR THE FRAUD ALERT ON MY CREDIT REPORT TO BE REMOVED BUT LOOKING AT MY PROFILE IT STILL SHOWS I HAVE A FRAUD ALERT ON MY REPORT AND IT'S MAKING APPLICATION DIFFICULT FOR ME. I NEED THE FRAUD ALERT REMOVED FROM MY REPORT ASAP. AND I HAVE ALSO REQUESTED FOR MY CURRENT ADDRESS TO BE UPDATE TO XXXX XXXX XXXX XXXX IN XXXX
Product: Debt collection

I was XXXX  from XXXX  consumption at a friend 's house for a get together on XX/XX/XXXX. An ambulance was called and I was picked up and brought to an emergency room and stayed for a few hours before being sent home. The ambulance company apparently sent the bill to the address they picked me up from and not the address on my license. I never received a bill due to this error. 

Months later, on XX/XX/XXXX, a resident at the house that the ambulance picked me up from let me know I had mail addressed to me at their home. I thought this was very strange and gave them permission to open it. They then sent me pictures of a " Notice of Default '' from a collection agency for my bill, it stated that the bill may be reported to the bureaus if it was not paid in 45 days from the date they first received my account from the ambulance service. 

I then called the ambulance company and informed them of their error fearing the impact on my credit since I never received a bill from them, never received a notice of my bill being sent to collections, and very luckily had the resident notice my name on a piece of mail at their house. 

I was told over the phone by their billing department that they would take 20 % off if I paid in full that day. As soon as I was about to pay over the phone the operator said she had to check with her supervisor to make sure I got the discount and she would call me back. She called back later to inform me that she could not give me a 20 % discount and corrected my address so I could receive the bill and get my invoice number to pay. 

Once I received the bill from the ambulance company at my address, I noticed I had a payment due date of XX/XX/XXXX. I then went to their website to pay. I started a payment plan with the first payment for my plan starting on XX/XX/XXXX. 

I received a credit score notice from XXXX XXXX for my credit report on XX/XX/XXXX. This stated I had a derogatory mark from the collection agency which was for the full amount left on my bill. I was under the assumption that paying my bill to the ambulance service would solve my issue. Apparently, the ambulance service did not inform the collection agency that they made a mistake of my address. 

Apparently, the collection agency opened it on XX/XX/XXXX, way before I was even informed of a bill, the bill being sent to collections, and a " Notice of Default '' from said collection agency. This derogatory mark was for the full collection and did not show my payment from XXXX as well. All because the ambulance service sent the bill from the location I was picked up from instead of my actual residence on my license and did not inform the collection agency of their mistake after they sent the bill to the correct address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Reports charge off from XXXX. This account was also paid in full. The letter is attached. it was not a charge-off as reported. It was on auto pay and paid on time It was not a charge-off as reported. It was on auto-pay and paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing my complaint with your agency regarding Experians fraudulent marketing activities targeting the very consumers they claim to be helping rebuild their credit and protect them from identity theft, your agency forwarded my complaint to Experian. 

However, their response was NOT related in any way to the nature of my complaint. I notified your agency of this fact several weeks ago, yet I have gotten zero response from you. Why? I hope your agency does not intent to simply ignore my complaint which was not resolved. 

I look forward to your reply. 

Thank you. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I am send the letter to Experian to dispute all mine credit report. 
Now still not respond to all mine credit dispute. 
I am call in to Experian explain why they not respond to mine letter dispute. 
Experian customer service told me they will delete everything on mine credit report but now is nothing have happened. 
Experian have not following by the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry for capital one bank and I didn't no apply for that
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I don't have a contract with 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 they did not provide me with the original contract as I've requested. Per the privacy act of 1974 there has been a violation of my privacy. Per 15 usc 6508, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given written unwritten verbal and nonverbal per 15 usc 6802. The obligation to respect the disclosure of personal information per the FCRA.
Product: Bank account or service

I received from the Bank of America a XXXX card that I did not ask for and did not want. Went to the Bank office here in XXXX Ca. where I asked for an explanation and what I got was insistence that I should keep the card regardless if I wanted it or not. The argument lasted over half houer because the XXXX put me on the phone talking to someone that also insisted that I keep the card, I was getting very aggravated when finally he had the nerve to ask me if I had other accounts with other banks, I responded that it was none of his business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone took out 2 student loans in my ( former ) name on XX/XX/2019 through XXXX Department of Education. I reported it to all 3 credit bureaus, FTC.gov and XXXX and sent in the requested documentation to XXXX. Equifax informed me today that they are not resolving my disputes and it will not be removed from my credit report, as XXXX states I took out the loans. I havent used the last name XXXX in 15 years, I am not in school, nor do I have any need for student loans, the address on the account is in TX and I have never lived in TX, and the phone number on the account is a SC number and I have never lived in SC. My XXXX score dropped over 20 points just since last month over this and I want it resolved.
Product: Credit card or prepaid card

In early XX/XX/2022, I was alerted to potential fraud on my Citibank credit card. I placed a call to customer service and advised that I had received both a text and email. The representative I spoke with advised there had been a {$3000.00} transaction via a Citibank issued balance transfer check. This was fraudulent as I made no such transaction. I believe my mail was stolen and someone used a check that had been sent to me. The representative advised that I would receive a letter in the mail with further instructions. He also closed my card and reissued a card with a new number. I received the new card, however, I did not activate it. I never received a letter. 
In late XX/XX/2022, I was alerted to potential fraud via email. I again called Citibank and also checked my online account. Another check had been written on my account in the amount of {$1000.00}. I attempted to resolve and get an understanding of my fraud dispute, however I was told the representative could not access my account because it was locked and they would send me a letter with a code to unlock it. I received the letter over a week later in early XXXX. I called the fraud number within the letter and provided the code. I also went to my online account and saw that I had been charged an additional XXXX in transfer check fees. Total now is XXXX fraudulent charges. I was transferred to XXXX different representatives, and neither could tell me the status of my fraud dispute. I asked that I receive an update as soon as possible as my credit score was being impacted by the high spend ratio on my account. I was told I would receive a letter and am waiting, however I am not hopeful anyone at Citibank is taking any action. I also asked that my account was noted OPT OUT of any transfer checks by mail or otherwise. I was transferred to a third representative that assured me I was now opted out. 
I logged into my online account today and noted I am being offered an increase to my spend capability. I also noted that my account shows no disputes registered! " You havent reported any fraud on your account. '' This back and forth has been going on for over 45 days and XXXX telephone calls to Citibank with no resolution. I need my fraud case investigated and fraudulent charges removed from my account. 

Details : XX/XX/2022 BALANCE TRANSFER FEE {$90.00} XX/XX/2022 BALANCE TRANSFER FEE {$30.00} XX/XX/2022 INTEREST CHARGED TO STANDARD XXXX {$17.00} XX/XX/2022 INTEREST CHARGED TO XXXX {$0.00} XXXX XXXX, 2022 ONLINE PAYMENT, THANK YOU {$75.00} XXXX XXXX, 2022 XXXX XXXX CHECK # XXXX {$1000.00} XXXX XXXX, 2022 XXXX XXXX CHECK # XXXX {$3000.00}
Product: Mortgage

Requested mortgage assistance with my previous mortgage servicer XXXX because of my recent divorce. The mortgage modification was granted and I made the 3 trial payments to XXXX mortgage. My mortgage load was sold and transferred to Mr. Cooper. Mr. Cooper customer service stated they only received 2 trial payments from XXXX mortgage. I was instructed by Mr. Cooper Customer service to resubmit request for mortgage modification again because of them receiving 2 payments. I was approved by Mr. Cooper for the 2nd modification and made 2 of the trail payments by phone, the 3rd trial payment was scheduled by phone, but Mr. Cooper did not debit my account for the final payment. I contacted Mr. Cooper to inquire why the payment wasn't drafted from my account. I was informed by customer service they saw the payment was to be drafted in their computer but it wasn't drafted. I asked for a Supervisor and I was instructed by the Supervisor they would research the problem. Called Mr. Cooper a few day later to check status. I was informed by the Supervisor they saw in the notes payment was called in to be drafted and they don't know what happened and why it wasn't drafted. I have recently resubmitted request for mortgage assistance again and my mortgage is still in default. Mr. Cooper has been unwilling to assist me with resolving the issues with my payments. I feel the mortgage servicer is trying to allow my home to foreclose. Please Help!!!!
Product: Debt collection

On XX/XX/year>, I sent a cease and desist letter via registered/certified mail to Portfolio Recovery Associates . This letter formally requested the cessation of all collection efforts regarding an alleged debt in my name, in the amount of {$460.00}, citing protections under U.C.C. 1-308.4. 

Additionally, over 90 days ago, I initiated a dispute through XXXX, one of the major credit reporting agencies. This dispute requested verification of the debt, specifically seeking documentation bearing the original signature that authorizes Portfolio Recovery Associates to collect the alleged debt. To date, Portfolio Recovery Associates has failed to provide any such documentation or respond adequately to my dispute, which raises concerns regarding the validity of their claim and their compliance with debt collection laws. 

These actions taken by Portfolio Recovery Associates are concerning as they have not only ignored my legal request to cease debt collection activities but have also failed to verify the debt as required by the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ). 

I look forward to your assistance in resolving this matter, ensuring that all collection practices are conducted legally and fairly.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. XXXX has violated my rights by furnishing false inquires on my report. I've asked for the proper documentation multiple times and still have not received a response. Additionally, I have not given XXXX, EQUIFAX, AND XXXX permission to furnish this information. This a violation of 15 USC 1681 ( B ) ( C ). BOTH of my consumer and privacy rights are being violated. 

I am demanding removal of these inquiries unless you can provide the proper documentation that supports your claims.
Product: Credit reporting or other personal consumer reports

I AM REQUESTING TO PERMANANTLY OPT OUT AND FREEZE MY REPORT. I AM A VICTIM OF XXXX XXXX AND VICTIM DATA BREACH BY THIS COMPANY. ALSO A VICTIM OF IDENTITY THEFT. I HAVE UNAUTHORIZED INQUIRIES AND ADDRESSES PLEASE FREEZE THIS REPORT AND BLOCK THESE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt was paid off in XXXX of XXXX although the account was opened fraudulently and without my knowledge. When i talked to customer service rep she told me once the debt was paid the account would be deleted. After i paid the account, the charge wasn't charged under XXXX XXXX bank. I asked the customer service rep could she email me a receipt of the debt I paid, and I never received the receipt. Fast forward to XX/XX/XXXX the account is this on my CC report closed and negative and affecting my CC report. I called XXXX once aging in XXXX of XXXX and asked another customer service rep if she could email me a receipt of the paid off debt and that XXXX rep failed to do her job and also told me since the debt was paid off the account would be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and my loan number is XXXX. First Merchant Bank is reporting a 30-day late on my credit report. This needs to be removed. During the RESPA period with First Merchant, I was never contacted or advised that my servicing was transferred to them. I continued making my payments to my previous servicer without any issue until finally one was returned to me. I have made all payments to date on my mortgage. I should not be responsible for the lack of communication from the new servicer. 

I request that the 30-day late be removed from all 3 bureaus as a courtesy by First Merchant .
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and i have been trying to get information from my credit report. Reference Number : XXXX that is on my report. All I have been receiving from them is generic responses, when I have requested actual documentation from them. Attached is two letters and one documentation sheet that has been sent to them. Requesting the actual documentation on the Reference XXXX. In my knowledge if they can not obtain the actual documentation, it should be removed from my reports. e-Oscor is not valid the letter i upload are same as i sent each credit reporting burel
Product: Credit card or prepaid card

On XX/XX/20, I went to the Bank of America ATM to withdraw money from my XXXX card, and the card does not get returned back to me. I call the XXXX number to request a new card be mailed to me but it disconnects. The line will not put me and hold and hangs up. Have tried numerous times since XX/XX/20 and I am unable to get a hold of someone I can speak to. Unable to do this online or through their chat.
Product: Credit card or prepaid card

I recieved a letter dated XX/XX/2021. From KOHLS customer Service Contact Center. 
Indicating that my My kohls card was apparently closed after I made a payment due to thier own observed activity in which " they say ( Kohls ), supposevely they say that my account is not being used in a manner of consistency based on thier terms of the kohls agreement..
Product: Credit reporting or other personal consumer reports

These inquiries were not initiated by me, nor am I affiliated with the listed creditors.