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

XXXX, Equifax and XXXX have violated my right under FCRA and CARES Act - Dept of Education COVID-19 Emergency Relief and Federal Student Aid program. I am not late on any student loan because the relief is from XX/XX/XXXX through XX/XX/XXXX. If the 3 credit bureaus would have conducted proper investigation or even XXXX they would have know of these reliefs under the CARES Act. Please direct them to remove from all my credit reports as they are inaccurate, has errors and they did not verified. This has caused me XXXX and I can't obtain additional financial credit. Additional these confusing information below are on my reports and doesn't even make sense. Please direct the bureaus to explain so a simple person can understand. -- -- - DISPUTED ACCOUNTs 1. XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account number XXXX 2. XXXX XXXX XXXX {$6500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX 3. XXXX XXXX XXXX {$4600.00} Balance updated XX/XX/XXXX 1 late payment Account numberXXXX 4. XXXX XXXX XXXX {$4500.00} Balance updated XX/XX/XXXX 1 late payment Account number XXXX 5. XXXX XXXX XXXX {$6600.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX 6. XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX
Product: Credit card or prepaid card

I opened a credit card with Wells Fargo to do a XXXX-interest balance transfer. The funds were never dispersed to the XXXX credit card specified in my credit application. 

XX/XX/XXXX - Line of credit opened ; {$4900.00} balance reported. {$4700.00} was to be sent to XXXX. 
XX/XX/XXXX - Spoke with credit services to report issue; was told that a " research '' file would be opened and would take approx. XXXX XXXX 
XX/XX/XXXX - Spoke with credit services, no resolution. 
XX/XX/XXXX - Spoke with XXXXXXXX XXXX No resolution, and the complaint was never sent to the appropriate office for handling. I have been carrying an additional {$5000.00} in debt on my credit report without any resolution to this matter. I've received no communication from them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  / XXXX  XXXX Date : XX/XX/XXXX I previously filed a formal complaint with the Federal Trade Commission XXXX FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Details of Disputed Inquiries : XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : XXXX. Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
XXXX. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
XXXX. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
XXXX. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
XXXX. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's XXXX XXXX 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account numbers are not the same which is inaccurate information. Please have inaccurate accounts deleted from my credit report. 

I'm requesting the following accounts be deleted immediately, because the account numbers and other details are not matching between Transunion and XXXX credit bureaus. I sent multiple letters over the course of 1 year requesting the details below. My Last letter was sent off on XX/XX/2022. I was told the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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.
Product: Payday loan, title loan, or personal loan

In XXXX of 2021 I reached out to make a payment towards the principal of my loan. I paid {$10000.00} and there was still a high amount of interest taken from the payment. Today XX/XX/2021 I logged in to my account to make a payment towards the principal and I don't have the option to do that. The web portal only allows me to make a payment in full. I started a chat with a rep who stated I could make my payment and then make another payment in the exact amount ( in full ) and she thought that would go to principal. I told her I was not wanting to make another payment in full but just an additional amount of {$500.00} to go towards the principal of my loan. She said their web site does not provide that option to those clients who make payments manually but that their ( auto pay ) clients have the option to pay extra like that online. That I would have to mail a check that would need to be received within a certain timeframe for it to work for me. I told them I should have the same option to make extra payments to the principal of my loan regardless of how I was set up to make my payments. It's harder for me to pay my loan down than it is for someone else because I pay manually online. I told the rep it felt like I was being punished for the way I was making my payments. I was informed the rep would send my request to the production team. It doesn't seem right
Product: Money transfer, virtual currency, or money service

XXXX has charged me {$7.00} for a new card and they have not issued me a new card
Product: Credit card

I recently took a. glance at my credit report and realized it had fraudulent accounts on it. These accounts are stopping me from obtaining credit. This is stopping me from performing my day-to-day needs with my credit. Ive been paying off the debt without knowing where it came from.
Product: Debt collection

On XX/XX/2020 I sent Jefferson Capital Systems a letter, asking them to validate a debt, a right granted to me under the FDCPA and FCRA. They sent me a one page letter that did not bear any information worth noting. I still don't even know who they are collecting for, or if they are allowed to collect in the state of Pennsylvania. I'm extremely discouraged by my attempts to enforce my own rights, and I have met with an attorney who has advised me to document the case and file this complaint with you. Please help me! They are trashing my reputation and destroying my credit, and I don't know why!!!
Product: Checking or savings account

I have a recurring payment from my Chase checking account to a XXXX XXXX credit card bill. My recurring payment is scheduled to be delivered by the XXXX of every month. It takes 5 days for delivery. Chase sent the check on XX/XX/XXXX so it was late to XXXX XXXX. I was charged a {$26.00} late fee by XXXX XXXX. Chase is saying that I scheduled the send by date of XX/XX/XXXX. First off I always send to a deliver by date. Also this is a recurring payment so you can easily see that Chase made a mistake. They sent it on XX/XX/XXXX to be delivered by XX/XX/XXXX. And this makes no sense because there is a 5 day delivery time.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were 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 need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial put a credit inquiry on my report on XXXX/XXXX/16. I did not authorize this report. I sent them a letter disputing this inquiry and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize this inquiry and I would like it removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly an account balance on the XXXX XXXX account number *XXXX. ( Please see page 6 of the attached credit report. ) This account has been paid. I have attached a copy of the letter from XXXX XXXX XXXX dated XX/XX/2019 stating that this account has been settled as of XX/XX/2019. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.
Product: Mortgage

I received a notice from my flood insurance company on XX/XX/23 that my mortgage company, NewRez failed to pay our flood insurance from our impound account. As a result, our insurance policy was canceled. I called NewRez that day and spoke to a representative in the insurance department. She looked into the issue and confirmed that they neglected to make the payment and would have to have a new policy written. She acknowledged that she would get this done and I stated I would call back in a few days to confirm that NewRez ' error was corrected and our policy reinstated. 

I called back on XX/XX/23 and spoke to another representative in the insurance department. I was told that a check was sent for the new policy and that this check had cleared. She confirmed that our flood insurance was now reinstated. 

I then received another notice on XX/XX/23 from our flood insurance carrier that the payment for our policy was declined and that we were still without flood insurance coverage. When I called and spoke with the insurance department at NewRez that day, the associate was not able to determine what had happened and was not able to transfer me to speak with a supervisor to help resolve the issue. At this point, I called NewRez customer service. I explained the situation to the agent. He was unable to help me beyond sharing that he did show that there was an active flood policy and that it may be a lender-placed policy. I shared my frustration that we should not have to pay any premiums for a mistake that was made by NewRez. 

I then contacted my insurance company on XX/XX/23 directly and they shared that NewRex never reached out to get a new policy written as they originally claimed they had. They then worked to obtain a new policy and the premium increased for the same coverage by {$500.00} because NewRez allowed my old policy to lapse. 

I am now left paying extra, out of pocket because NewRez has impounded money from my mortgage payments and has neglected to resolve this issue or payment for which they are responsible.
Product: Credit card

Customer Service Issues with Synchrony Bank XXXX Amazon Credit Card ). I am having with Synchrony Bank, the issuer of my Amazon credit card. 

I have recently encountered several problems that have made it impossible for me to manage my account effectively. These include : Inability to XXXX Customer Service : I have been unable to reach a representative by phone. 
Chat Function Unavailable : The chat function on the Synchrony Bank website is also unavailable. 
Password Reset Issues : I am unable to reset my password online, further hindering my access to account information. 
This complete lack of communication is unacceptable. To make matters worse, despite these access issues, I have received a notification from Synchrony Bank indicating a late payment on my account. 

This situation is incredibly frustrating and reflects poorly on both Amazon and Synchrony Bank. It is clear that Synchrony Bank is not providing the level of service expected by Amazon customers. 

I urge you to take immediate action to address these issues with Synchrony Bank. This includes ensuring : Readily available customer service representatives via phone and chat. 
Functional online account management tools for password resets and other tasks. 
Communication and support for customers experiencing account problems. 
A strong partnership requires reliable service from both parties. Synchrony Bank 's current performance is a significant detriment to the customer experience and damages Amazon 's reputation. 

Thank you for your prompt attention to this critical matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to correct late open accounts and remove late closed and charge off entries from my credit report. Despite numerous attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. I have diligently pursued the correction of late open accounts and the removal of late closed and charge off entries on my credit report. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address these issues. However, to my disappointment, the inaccuracies remain on my credit report, negatively impacting my creditworthiness and financial standing. This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. With this, I am asking for your assistance to correct or remove the accounts : 1. XXXX XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

2. XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

3. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

4. XXXX XXXX Balance Owed : {$0.00} - XXXX see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

5. XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

6. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

7. XXXX XXXX XXXX Balance Owed : {$710.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting or other personal consumer reports

This this isn't my account they are reporting wrong address and social
Product: Debt collection

I sent the company a letter requesting validation of the debt. This was sent at the beginning of XXXX. To this date the company has not sent evidence that this debt is mine nor that I am responsible for payment. Today, I received a phone call for the company attempting to collect the debt again.
Product: Checking or savings account

A few years back someone committed fraud on my bank accts. I reported the transactions to the banks as fraud but they denied my claim and made me reliable. Because of this I can not open any major bank accounts. This is making problems for me.
Product: Credit reporting or other personal consumer reports

FTC Report Number : XXXX : XXXX, XXXX, Equifax is reporting Fraudulent addresses that aren't my current address when I called all three agencies I was declined to remove the address after submitting my Identification by mail they still refuse to update my address. I never lived at these address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I have inquires on my credit report that were unauthorized on my credit report : Report number XXXX XXXX inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Equifax hard inquiries : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Equifax are reporting Fraudulent Bankruptcies on my Credit Report as well REFERENCE NUMBER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNDER Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 I'm a victim of identity theft!
Product: Debt collection

M & T BANK MORTGAGE XXXX XX/XX/2008
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 XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/2023 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 XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 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

Im in disagreement with the account listed below which still appear on my credit report, even after your investigation. I would like this immediately reinvestigated. The inaccuracies are highly injurious to my credit scores. 

XXXXaccount number XXXX In accordance with the fair credit act, public law 91-506 title VI section 611. Provide the names and business addresses of each individuals with whom you verified the follow up.

Please sed me an updated copy of my credit report after reinvestigation.