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

Writing to this company last XX/XX/XXXX is not useful. I have disputed several items incorrectly reported on my credit report. The item such as Bankruptcy which I verified with the court has been dismissed last XX/XX/XXXX and this company claims it was verified. This must be taken care immediately. Alo, there are still items listed on the attached copy of the letter I sent this company that is reporting inaccurate and incorrect pieces of information such as the highest balance, account opened date, status, payment history which does n't seem to have been investigated. There is also item such XXXX XXXX which has been removed by the other bureaus and this company refuses to remove.
Product: Checking or savings account

On XXXX XXXX, 2024 at XXXX XXXX, I tried to login to my Ally bank account on line and it was locked so I called Ally customer service 7 times and each time I was put on hold for over 25 minutes to speak to specialist without much luck
Product: Checking or savings account

Dear Sirs, During my visit to XXXX last XX/XX/2022, I opened a joint checking bank account with my companion, a US Citizen at Citibank N.A, XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX was the handling officer. We informed XXXX XXXX that I was a XXXX  resident and my companion, a US citizen, both residing in XXXX, XXXX. 

My stepson a US citizen as well, was also added to the account to facilitate communication and access to the bank as he resided in XXXX. 

I have since regularly sent all or part of my monthly paychecks from my XXXXXXXX XXXX acct. In XXXX, via their corresponding Bank, XXXX XXXX, to my Citibank account to cover my expenses and those of my family and our visa card payments. 

My account was blocked on XXXX XXXX, after a transfer from my XXXXXXXX XXXX account to my Citibank account. 

To date ( two months have passed ), we have continuously attempted to contact the bank customer support and visit the branch. However, we are constantly ping-ponged around and unable to get a clear answer as to why the account was blocked and what needs to be done to recuperate our funds. During our last visit ( XXXX of XXXX ) with XXXX XXXX XXXX, the present branch manager, he could not provide a concise explanation or resolution despite his kind and genuine attempts to help. 

We kindly request your assistance in understanding and attempting to resolve this issue so we can recuperate our funds.
Product: Credit reporting or other personal consumer reports

I tried disputing these hard inquiries off my credit from all XXXX bureaus and havent been successful removing all these inquiries I have not done.
Product: Credit card

My credit card information was used to make payments at a hotel on another state. I disputed the charge over 60 days ago. Citibank provided receipts of the transaction showing a name of another person that I do not know. I contacted Citibak stating that I was not the person on the transaction receipt and do not know who the person named in the receipt is. A person named XXXX XXXX is on all the receipts. I have never met nor do I presently know who this person is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 somebody opened up a credit card in my name. This account is fraudulent, I have never had any credit cards in my entire life and I need this removed.
Product: Debt collection

I terminated a lease in agreement with management and was then pursued for {$1700.00} for breaking the lease. No judgement was obtained nor any promise to pay : management blindsided me. The {$1700.00} is on my credit report as legitimate but it is not, my next step is to file a complaint in my local courthouse.
Product: Mortgage

Behind on Loan 3 months. My Father has a hardship of health problems. He had XXXX XXXX XXXX this past XX/XX/2019. Was in the Hospital for 1 month he could no longer work. My Parents receive XXXX dlls in SS income my Brother that is a XXXX. in XXXX Idaho helps with XXXX dlls per month. The Loan is with Planet Home lending. Called Bank asked them to help with the late payments of the loan to make them current. They have denied help and wont take to consideration my Brothers XXXX dlls help each month. The reason he dose not live at the property. He dose visit them every weekend. Please help this is the first time my perants are asking for help. They do not want to loos there home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My indigo XXXX had a fraudulent charge on it I looked up the website that was on my mobile app and it was the same one they got me today quick performance active or creative not sure you tell the website and they say its a scam we get calls all the time and theyre ruining our business they call me back to have me help them or their lieing either way my indigo card they were supposed to cancel and send me a new one three weeks max I never got the card a month and a half or so more later but kept getting even the bills and they were different and then they would be more and then I would call and then they really go thats not right let me talk to my supervisor and then they would hang up on me or they keep me on hold so long that I had no choice in the matter of three weeks simple disputes hey can you please block this from ever happening again you see this charge from this place dont let it go through I dont know how its happening but my credit score was a XXXX and now its at XXXX and they want me to pay them because I canceled the account. And theyre trying to get me for the car and I had prior and the car to head after but never came thats for indigo platinum XXXX with the XXXX XXXX dollar limit from XXXX XXXX I have no problem paying them but I dont trust them especially since I just got a new bank with the credit union and I dont want to have that information compromised because Ive been getting financially ruined due to these cards and I were to know if yours to get my credit score up and then just have a drop because somebody doesnt want to do their job right or theyre overwhelmed or whatever but I have evidence to prove everything and I dont think me wanting to give them my new bank information because I dont trust them XXXX out of the ordinary request Ill pay them with a prepaid card thats not an option they said do you want to bank and routing number its not fair Im about to quit and give up! They should both consider the counts paid in full Theyrecord all phone calls And I had information and I wanted to see if they had up-to-date information and they didnt if I was to close my account The day would it cost me an extra 60 bucks ive been unemployed since XX/XX/2021 but I still manage to pay all my bills {$2500.00} a month by myself I work too hard to have people like this not care
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I sent a dispute letter to the credit bureaus such as XXXX, Experian and XXXX, but they are not doing anything to solve my problem. 

I have inaccurate information on my credit report that is affecting my credit score, I want to resolve this as soon as possible.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE 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. 
XXXX XX/XX/year>
Product: Vehicle loan or lease

My wife bought and car from XXXX XXXX XXXX back in XX/XX/2016. The car was lost due to flooding three years later ; the insurance company totaled the car. When my wife called to file a gap claim, she was told there was no gap policy on record.she then call the lender, Nissan motors, and they gave her a gap policy number, which was invalid. My wife and I had to go to the dealership to try to resolve the issue of the lender telling us we have gap insurance on the car and the Gap company telling us they have nothing on file. I was confused cause I know we sign the paper that says we purchase and accept Gap insurance for the car. After 4 hours waiting outside, the personal from Nissan said they found out the contract. It was two different contracts for this deal. The first was a sign and had Gap coverage on the car, along with the paperwork that was signed that said we accept and purchase the gap for the car. The same paperwork the lender had, which was how they produce the policy number that they provide us. So for some reason unknown to us, the first contract which was already signed was voided. The salesman told us they made a mistake, which is understandable. Not knowing they took the gap insurance off the new contract without our approval or having signed a new paper stating that will decline gap insurance. We were under the impression that the car had gap coverage because we sign the paper stating and acknowledging that, yes, we want the gap insurance on the vehicle. The salesman removed the gap to get the deal through. We were never told that the gap coverage had been excluded from the new contract. I always heard about the horror stories of car dealerships and their predator like tactics. I just never thought I would be a victim of it.
Product: Payday loan, title loan, personal loan, or advance loan

Applied for and received load for roof replacement in XX/XX/XXXX. Made regular monthly payments on time. Got laid off job in XX/XX/XXXX. In XX/XX/XXXX, I entered into a debt consolidation agreement with XXXX XXXX XXXX. Since that time, Best Egg has been receiving payments as established within the XXXX repayment schedule. I want the delinquent account notifications to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Excessive Credit inquiries on my account that I did not give permission for. 
XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit card

I had closed my American Express account ending in XXXX on XX/XX/year>. However, approximately XXXX months after closing my account, I received an automated email from American Express stating that a {$50.00} credit that was given to me when i had the card, has now been reversed. Crucially, I was not informed of this potential reversal at the time of my account closure. Furthermore, American Express did not attempt to contact me directly via phone to inform me about this reversal and the resulting account balance. Instead, they relied solely on automated emails, which I did not monitor as I had already closed my account and reasonably assumed all communication with Amex was concluded. As a result of this lack of direct communication and my unawareness of the reversal, American Express proceeded to impose a {$70.00} late payment fee. This late fee was applied to an account that had been closed for months, and I was not given a reasonable opportunity to address the reversed credit before the fees were incurred. This unwarranted late fee has negatively impacted my credit score, causing me significant distress and potential financial harm. I believe American Express has acted in bad faith by : Reversing a credit months after the account was closed without proper notification. Failing to provide direct communication regarding the reversal. Imposing excessive late fees on a closed account. Negatively impacting my credit score due to their improper actions. I request CFPB to please investigate this matter thoroughly.
Product: Debt collection

Two dept collection agencies ; XXXX  XXXX XXXX, Transworld Systems Inc., have been reporting unverified and invalid information to all three major credit bureaus, creating a highly negative impact on my credit score. The agency XXXX   XXXX XXXX reported a collection in the amount of {$1400.00} and the agency Transworld Systems reported a collection in the amount of {$780.00}. I reached out to both agencies via certified mail in effort to request that they validate the dept in question. The letters were sent out on XX/XX/2020. I then allowed the collection agencies 30 days to respond to my letter. It is now XX/XX/2020. This exceeds the 30 days I allowed for the agencies to respond. I would like further assistance in the validation or removal of these items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraudulent. The disputed inquiries do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the inquiries are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, BANK OF XXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : -, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Checking or savings account

In a call with the company on XXXX ( with XXXX ), I was told that I had to wait for a code to be mailed to me in order to verify my request to close a CD ending in XXXX and transfer the funds to another account. This was a different procedure from what I was asked to do on a previous call with the company on XX/XX/XXXX ( with XXXX ). 

In fact, a transfer request with my signature was already made for the CD ending in XXXX ( XX/XX/XXXX maturity ) by mail to Transfer Request forms, for multiple CDs, via mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The transfer request was for a check to be mailed to XXXX upon the maturity of the CD on XX/XX/XXXX. Since XXXX had no record of this transfer request, but XXXX did, I feel that I have no choice but to escalate my issue in this complaint venue. 

Additionally, since every phone call I make to Synchrony results in an hour-long hold times, I am filing a formal complaint for the run-around that I'm getting from the bank. I am in my XXXX and the only caregiver to my wife with XXXX. I am seeking the
Product: Debt collection

I received a letter from a Company called Mediation Recovery Center that says that I owe a debt of {$920.00} and I can have a balance reduction of {$190.00}, and that I have until XX/XX/XXXX to pay off this debt. I asked them what Company I supposed to owe, and was told that the debt was with XXXX XXXX Master Card, and that the account was opened in XX/XX/XXXX, and the last amount paid on this card was on XX/XX/XXXX which is 12 years ago, and around that time I didn't have a credit card for XXXX XXXX. The letter states that the original creditor was XXXX acct # ( XXXX ), and when I called XXXX XXXX about this, they state that there is no account for me at that bank with this acct # under my name, and they can't find anything under my name with that bank around XX/XX/XXXX or any other time. The letter was dated XX/XX/XXXX which looks very strange, and when I called they didn't tell me that " This is an attempt to collect a debt, '' like all other Companies do when you owe a debt to a Company. I told them I wanted to look into it after I told them I would check it out, so they cancelled the payment I was suppose to make and I even made sure the amount wouldn't come out from my Bank, and they are harassing me by calling me telling me I have until XX/XX/XXXX over the phone. I believe this is a SCAM, and I hope you can help me, and have these people STOP calling me, for something I don't owe, or ever owed. I was also told by them that they found me by looking me up on my Credit Report XXXX to get my address to pay this amount. I believe it also might be Identity Theft, and trying to get me to pay for something I don't believe I owe. XXXX XXXX ( account manager ) is who the letter is from. I even asked for him and I was told he wasn't there, that they handle everything. SCAM ... .. 
Please STOP them. 

Thank You. 

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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXXXXXX XXXX # XXXX, Account name XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have a 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDepartment of Education is reporting inaccurate information to my personal credit reports. This is a violation of the Fair Credit Reporting Act. I have reached out to the company multiple times and they have not complied with my request. I sent letters requesting for the inaccurate accounts be deleted from my credit report. I informed them that they were violating my rights. This is violation of FCRA law 15 USC 1681 and 15 USC 1681 a ( 2 ) ( a ) ( I ). 
First letter sent XX/XX/2021 XXXX letter sent XXXX XXXX XXXX company sent me a letter XXXX XXXX stating no knowledge of wrong reporting.I have attached a copy of that letter.
Product: Student loan

XX/XX/2016 I started going back to school to earn a XXXX 's Degree in XXXX. At this time Navient put my loans on Deferment without informing me of this. After two months I noticed no payments were being made to my student loans and a small amount of interest was added to the account. I never would have know the loans were put on deferment if Navient wouldn't have called me asking if I wanted to open a loan as they saw I am back in school. I responded that I did not need any additional loans and that I did NOT want them to put me on deferment again. Since then I have had no issues with the loan provider but they are making changes to my account without informing me the lender, increasing my total amount owed! I truly feel that there may be  other information they are not telling me and they are charging me more then what I owe.
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports, and I notice this company have still furnished to the consumer reporting agencies transactions that are excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that is used to calculate a consumers credit score is not a factor where the consumer report is concerned!

Pursuant to the FCRA found in Section 607 ( a ) a data furnisher must provide accurate information to CRA 's. The account with this company has been charged-off, which is a cancellation of debt, which is now income, and according to the IRS, income is excluded from the consumer report. This company is in violation of the law. Please find attached document that further prove my claim.