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

Consumer Financial Protection Bureau, I received two letters from XXXX XXXX XXXX, one in XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my Transunion, XXXX, and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : Transunion, XXXX and XXXX and XXXX XXXX XXXX in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i submitted my police report to pro collect and ever proof that it was identify thief these people pro collect and XXXX  has not yet removed this they are sick and rude im about to sue them im tired to the point of they removed the eviction and blocked off my name then put it back on my name due to me not having a police report i sent both company 's my police report still yet they are not tryna remove it so is it anyway you guys can help because this identity used in my name.
Product: Credit card

Due to financial hardship I was unable to keep up with monthly payments on my Synchrony/CareCredit account, which was in excess of {$3000.00}. At XXXX point about XXXX months ago they offered to settle it for a fraction of the balance but I told them I intended to pay the full debt but needed more time. I then began receiving threats to charge off the account, to which I told their representative on the phone that I did not want it charged off but needed more time to be able to start payments again. That person said they would note it on the account. 

I now come to find out that this shady company went ahead and charged my account off anyway, thereby breaking their word and damaging my credit rating. They are refusing to to take it off chargeoff status until it is paid in full. 

I acted to me detriment based on false assurances from this company 's representatives. What I want is to have the full account restored and this damaging information removed from my account. 

I AM NOT A XXXX!!!!!! I am a hard-working XXXX who, like millions of others, have been suffering under the current draconian economic climate. Synchrony/CareCredit is proving itself to be a predatory lender.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed.

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 XXXX XXXX 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! 

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

My account was emptied and close also someone put a passcode on it.
Product: Credit reporting

XXXX XXXX XXXX is reporting a 30-day delinquency on my credit report with Trans Union, that is not correct. I have always paid account as agreed. The account is currently in debt management which has been paid as agreed. Although the account is closed and in their approved debt management program, they continue to charge late fees and monthly annual fees. You will see from the attachment that they have credited back XXXX months of late fees proving the reporting error was made which they refuse to correct.
Product: Credit card or prepaid card

I currently spread my spending between 2-3 premium credit cards from competing issuers. It 's no secret that American Express has the best premium card in the business but when I called to apply for the centurion card, I was told it was not possible.
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On an unrelated not, I applied and was approved for a business card recently but the person on the phone who verified my application and approved it said he did not see the promotional offer which had prompted me to apply in the first place.
Product: Mortgage

Started refinancing XX/XX/2020 finalized in XX/XX/2020, took 5 months terrible service by Loan Depot , very unclear through process, requested documents already sent, when asking for clarification received no response 3 times .Never even talked to my rep XXXX XXXX during process.Finally came time to sign with notary, took 4 times. ( notary did not receive documents, wasted 4 days, when contacting Loan Depot received no response ) It was over 4 months of missteps by them, isupplied everything asked for promptly.I was going to end process out of frustration but as they correctly informed me I'd have to start process with someone else all over.I just wanted to get over with! 
My reason for this letter however is because after loan went through I received a bill for {$1700.00} from my XXXX  XXXX XXXX insurance which was to be includes in my escrow account which affects my monthly payment. I sent them all documents including XXXX homeowners, XX/XX/XXXX homeowners and taxes. I was shocked to find out my monthly payment had not included this this {$140.00} more per month.I reached out promptly to Loan Depot 3 times with detailed emails ( they do not return calls ) I ended up paying {$1700.00} as would expire otherwise .I now have an extra {$140.00} a month for the life of this loan..I suggested they lower my rate in letter or some form of compensation for there unprofessional mistake .Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to retrieve my Transunion and XXXX reports from annualcreditreport.com XXXX times and I've been unsuccesful. I would like to obtain my credit reports online. I want to to pull all three reports from annualcreditreport.com.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. I would like this item immediately re-investigated. XXXXXXXX XXXX XXXXXX/XX/year>. The following inquiry was not authorized and should not be reported XXXX XXXX .The following inquiry was not authorized and should not be reported XXXX XXXX XXXXXX/XX/year>. The following inquiry was not authorized and should not be reported.XXXX XXXX XXXX XXXX XXXXXX/XX/year>. The following inquiry was not authorized and should not be reported XXXX XXXX XXXX. The following inquiry was not authorized and should not be reported XXXX XXXX XXXX XXXX. The following inquiry was not authorized and should not be reported XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>. 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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 reporting, credit repair services, or other personal consumer reports

*XXXX/XXXX XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX/XXXX XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX/XXXX XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX/XXXX  XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me
Product: Credit card

I funded a Chime credit card with {$300.00} and then immediately closed the account, in XXXX of XXXX  They said my {$300.00} would be mailed to me in XXXX days and I never got my money. Ive called them every month since asking where my money is and they always say, it will be sent. My ticket number when I call them for this issue is XXXX.
Product: Credit card or prepaid card

In XXXX I filed a dispute on my XXXX  XXXX  card because XXXX took the money from the wrong form of payment. Chime denied the claim and I moved on not thinking anymore about it. Continued paying my monthly bill like normal. On Thursday XX/XX/XXXX I went to pay my bill and noticed it was for 2 months instead of XXXX. When I contacted XXXX they said in XXXX a payment was reversed so I needed to pay that months bill as well. They sent me a screen grab of the reversal. I have talked to XXXX different people at Chime about this. They submitted a rebuttal to the investigation team and it was denied again. I emailed them what XXXX  sent me and I keep getting told NO. I have to repay the bill they took the money back from but still have not received any of the money they requested back.
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 Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX 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: Debt collection

Account name/number : Springoakcap ( # XXXX ) I am not liable for any debt with XXXX XXXX, I did not contract with Spring Oaks Capital and do not acknowledge the debt nor did they provide original documents as requested.
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. These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 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 or 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. 
XXXX INQUIRIES : XXXX XXXXXXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN INQUIRIES : XXXX XXXX XXXXXXXX  XXXX, XXXX, XXXX. XXXX XXXX, XXXX. XXXX INQUIRIES : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX-XXXX  XXXX, XXXX. XXXX INACCURATE ACCOUNTS : XXXX  XXXX XXXX XXXXXXXX EXPERIAN XXXX ACCOUNTS-XXXX XXXXACCOUNT # XXXX XXXX, XXXX. XXXX XXXX-ACCOUNT # XXXX XXXX, XXXX. XXXX XXXX ACCOUNT # XXXX XXXX, XXXX, XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXX, XXXX XXXX-ACCOUNT XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXACCOUNT # XXXX XXXX, XXXX. XXXX INACCURATE ACCOUNTS : ACCOUNTS-XXXX XXXX-ACCOUNT # XXXX XXXX, XXXX. XXXX XXXX-ACCOUNT # XXXX XXXX, XXXX. XXXX XXXX ACCOUNT # XXXX XXXX, XXXX, XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXX, XXXX XXXX-ACCOUNT XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXXACCOUNT # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX.
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and 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 reporting or other personal consumer reports

Yes, I provided the company with All the correct information they ask for.. However, after giving the company my information I was informed that they didn't have any thing about me in there files... so my question is why is it on my Credit report ...???? 
The following company 's name are XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX These are company 's that are giving false information because I applied for anything or know anything thing about these companies
Product: Credit reporting or other personal consumer reports

I was the one affected into this lawsuit. I tried to dispute accounts thats not mine for the past 6 months thats not mines but refused to investigate and get removed. It keeps coming back verified. 
My score been tanking over the years. 

Experian need to removed all these accounts 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
Product: Credit reporting

This debt has ALWAYS been in dispute- The dept was for the EXTRA cleaning do to daily use when my son 's apartment was exited. I made SEVERAL attempts to clear and or verify information with the apartment complex, XXXX in XXXX XXXX, including filing a complaint w XXXX, but XXXX never provided evidence of their billing. Their billing did not match the exit papers nor the condition of the apartment and to me was clearly fraudulent. I provided all information to XXXX XXXX and they have removed my credit dispute from XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, our organization XXXX XXXX transferred XXXX. XXXX through XXXX in favor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX US dollars. The transfer was returned by the recipient 's bank, but was not received by the sender.

The transfer was seazed by JPMorgan Chase Bank with no reason on XX/XX/year>. Till now JPMorgan Chase Bank refuses to return this money to us/ Our Company XXXX XXXX is not associated with any sanctions associated activities or organizations. 
Since XXXX is under sanctions and can not accept payments in dollars please issue permission to return this money to our account in another XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that is done so in a manner that is fair and equitable. Equifax has failed to do this. In XXXX and XXXX of XXXX I mailed letters to this asking for validation of several accounts on my credit report and I was ignored. These accounts must be removed immediately as they have damaged my character and are hindering my ability to provide for my family.
Product: Credit card or prepaid card

My Quick Silver Capital one Credit Card Account that I have had for almost 2 years was closed by capital one and adversely affected my credit score. 

The account has never had a late payment and has been paid off in full multiple times throughout the time I had it. 

I recently had to switch bank accounts and the account I added to pay the bill had sufficient money in the account and I have no idea why the payment was returned. Capital one said there was insufficient funds which is not true. 

I contacted the bank and they said they never had any kind of electronic payment go through but the account information that I gave Capital One was correct. 

I do not feel my account in good standing should have been shut down and credit history ruined because of a returned check that was to a correct account number and that had the funds to make good on the payment. 

1-2 returned payment in a year does not erase a lot more payments that were good and on time. Please reverse this closing to my account that has been paid on frequently with correct bank accounts. 

I will include bank statements from the bank account number that was added to the account and verify that the accounts were good and in good standing. 

Thank you, XXXX XXXX
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX XXXX reference # XXXX I have paid the balance previously averaged settlement agreement, XXXX will will not furnish original information and has accepted payment. There is still an additional balance due of {$820.00} of which XXXX is will to accept XXXX. I have disputed the information with all three credit bureaus previously, currently XXXX shows up on XXXX and XXXX not XXXX. I have mailed information to the president of the company and made multiple complaints and XXXX is still reporting my information. 

XXXX XXXX XXXX  XXXX XXXX XXXX Has furnished a request to pay with penalties and interest added. I have explained on many occasions of the opening of the card and fraud during the specific. I have disputed the information before as fraud as well as disputing charges with no update.
Product: Credit reporting or other personal consumer reports

This account was paid off in full in the month of XX/XX/XXXX somehow XXXX XXXXXXXX XXXX took the payment back after XXXX confirmed and accepted payment. It was after I was locked out of the XXXX app that I realized there was something wrong I was further denied access to the checking and savings accounts along with making in person payments at the sister branches in which payment would be made through due to this credit union not having any local branches in my area and the blocked access to the accounts and use of the payment options through the sister branches I had no way of fixing this issue as the address on the back of the credit card is incomplete/not the correct one to send payment to once something like this happens. It was not until XXXX that I discovered/received a letter stating that the account was charged off. I did NOT receive any 1099 form reflecting the charged off amount, but yet I was told that the other accounts would remain open until XX/XX/XXXX, then closed and at that point I can reapply for membership but not guaranteed to get XXXX due to previous history. I was sent an email on how to make payment for the full balance which I remitted a Cashier 's check to XXXX in the full amount due. XXXX received the payment accepted the payment cashed the check and still reported/updated this account as being accurate Charged OFF unpaid. So basically, we have an issue where XXXX Wrote Off the {$1900.00} and received certified payment of {$1900.00}. as of XX/XX/XXXX which they continued to report inaccurate information at this point XXXX has written off this debt as a loss and then collected full amount due while failing to provide the XXXX credit bureaus with true, accurate and correct information.