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

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a late that I should not have. I paid the XXXX balance before XXXX ended and they are already reporting a late on my account. I was not given a 30 day right to dispute and this should not be on here.
Product: Mortgage

Hi my name is XXXX XXXX, my loan is with XXXX XXXX they are the lender and Ocwen is the serviced. my loan is a subprime lending loan. each month i receive statements with different amounts for my monthly payment, also my interest was suppose to cap off at 4.5 from a modification from 2008 the interest has went beyond that and they are now saying my loan do not allow modifications, there is a lot of illegal stipulation attached to this loan. i need help, my back is against the wall they are trying to take my home saying my loan do not allow refinancing and i have no equity. XXXX XXXX has been in the spot light with senator XXXX XXXX, i need someone to help me get equal justice, they have made my owning a home turn into a nightmare. I have developed medical conditions dealing with these lenders, such as XXXX XXXX XXXX, i have been taken advantage of in the highest inhuman way. this is horrible what happen to me this subprime lending. i do not wish it for anybody. if it had not been for my belief in XXXX, i do not know how i would have made it thus far, XXXX is my strength in the mist of it all. respectfully yours, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I reached out to the FTC and local police. Im doing this on my own behalf. I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( lnquiries ) : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madan, After checking my credit report from your organization, i discovered inaccuracies that needs to be addressed immediately to ensure the accuracy of my report, pursuant to 15 USC 1681e ( b ) Account : XXXX XXXX XXXX XXXX XXXX Collection Acct XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account : XXXX Amount : {$970.00} This debt collector engaged in abusive, misleading, and unfair FDCPA activities, which are prohibited. They provided this account, which we did not agree on and I did not sign. A legal contract is signed by two parties, and I was not involved in any of it. Furthermore, they failed to follow the necessary five-step validation procedure, making their acts unfair According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights. I demand that this corporation remove this account from all three credit reporting agencies and reimburse me for the infractions, or I will have no alternative but to forward this to my legal attorney. 

Thank You
Product: Credit card or prepaid card

1. ) I log into my account on XX/XX/2022 @ or around XXXX XXXX  and notice a charge of {$99.00} related to a purchase i never made nor authorized. I have no clue whatsoever this purchase is about. 
2. ) The specific details of the purchase include : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  {$99.00} Debit Authorization 3. ) There is no way to address concerns with a transaction via the internet account access provided by the bank. On top of this, this mishap occurs over the weekend and there is no one available to address the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses 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 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 There should only be one address listed on my report, which is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. RONOLD XXXX Please remove inaccurate numbers as well as listed below : XXXX. XXXX XXXX. XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

You have 30 days to validate or deletion is required! 

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

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. XXXX XXXXWALMART has been reporting incorrect information on my credit reports. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to XXXX XXXX/WALMART, which was received by the company on XX/XX/2018. On XX/XX/2018, XXXX XXXXWALMART sent me a letter simply indicating that it terminate collection, which was received on XX/XX/2018. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting description of the procedure used to determine the accuracy and completeness of the information that was sent to me. I also requested the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they verified without providing any proof. This follow-up certified letter was received by the company on XX/XX/2018. 

On XX/XX/2018, exactly 31 days after the receipt of the certified dispute letter was received by the company, I pulled my credit reports again, only to reveal that XXXX XXXX/WALMART had violated the Fair Credit Reporting Act, FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not properly providing the credit bureaus with proper notice within the required 30-day timeframe. 

Therefore, on XX/XX/2018, I sent a certified dispute letter alerting the company of such violation, which was received by the company on XX/XX/2018. As of today, XX/XX/2018, XXXX XXXX/WALMART has failed to comply with the laws of the FTC and the FCRA, and they are still reporting inaccurate, incomplete, unverifiable information to the credit bureaus, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a letter to XXXX XXXX, and Transunion concerning my credit report. Due to suspicious activity on my credit report. I simply asked XXXX XXXX and Transunion to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days and then a second letter another 20 days of waiting on a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because there are still items on my credit that are still mind. I have reached out to the FTC and my local police department and I am doing this on my own behalf and Its crazy because I cant even help my mom get a car because of this. Please can someone help me with these things XXXX XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXXXXXX XXXX Acct XXXX, XXXX, XXXX Acct XXXX and XXXX XXXX XXXX Acct XXXX.
Product: Credit card or prepaid card

My wife and I opened an account with Chase Card Services in XX/XX/XXXX. We have used the card continuously for 25 plus years. We enjoyed a variable rate of 10.49 percent which change whenever the prime interest rate goes up. On XX/XX/XXXX we were notified that the rate would be changed to15.49 percent because " We are changing the Annual Percentage Rates ( APRs ) as described below because your APRs are below the lowest APRs we currently offer on similar accounts. '' We have until XX/XX/XXXX to accept or reject their mandate. 

We have an excellent credit rating ( XXXX ) and have never been late. We are now retired on a fixed income and I am approaching XXXX years old. This action by Chase seems illegal since we agreed to one APR and now they are changing it unilaterally. My question is can they do this? Could this be an example of age discrimination?
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX Balance : {$630.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX ; XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

THIS IS MY SECOND ATTEMPT It started back in XXXX I made a payment. It was never posted to my account so they charge me a late fee. I contacted my bank they couldn't find where they attempted to retrieve the payment. I was told my payment was return for insufficient funds. I disputed this and in the end I was back in ground zero. So I decided just pay them off and cut up the card. I maid two separate payment. The first payment was processed with no problems. The second payment and full amount of {$50.00}, due in XXXX. To be more precise XX/XX/2020. I made the payment on XX/XX/XXXX and it was process on XX/XX/XXXX. It was posted, XXXX balance. I bite the bullet happy riddance. In XXXX I got an email stating a balance of {$85.00} was due by XXXX XXXX. Immediately I said this Ludacris, So I immediately contacted Comenity. I was told my payment was rejected again for insufficient funds. I contacted XXXX XXXX  XXXX. I was told the was processes on the XX/XX/XXXX.The ID was XXXX paid to Comenity. I call back and I spoke to several customer service rep. Most of them gave the run around and no resolution. So I went into one the  Branch ( XXXX XXXX XXXX ) and spoke to The Manger. after and hour and and half he couldn't were the check was return. And more so at the time of transaction I more than enough to cover this transaction .I was told to try resolving the matter and still no where. So I went back to the manager he gave me too option 's The first one was ask them for a IP number this would locate this missing reversal payment. When I call them ask about this IP number they have no record of it, and then the call goes dead. I have made several calls them and still no progress. More important they want me to repay and then they do an investigation. After the investigation they would refund my money if it was a bank error. At this point I am not making anymore payment. XXXX  XXXX XXXX there is no error on there part. So infract if they reverse the payment they sent my payment to someone else. Id not it to reach this far, I tried to resolve this at the lowest level. And all I get is running in circles. I have the proof of my payment. If The XXXX  XXXX XXXX got it reversed. I would been notified. I will enclosed my proof. My biggest issue is there lack of investigation, what they have corresponded with me does not support their action in this case. I requested for them to contact XXXX  XXXX XXXX they have not Also XXXX  XXXX XXXX has asked for them to provide a tracer number for their return they CANT PROVIDE. So how a Bank of there size till this day cant provide a tracer number because it does not exist.
Product: Credit card or prepaid card

Why dont the stores accept mobile oayment XXXX XXXX its so inconvenient how they still dont have the technology in place so old
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Unauthorized Inquiries on Credit Report Dear TransUnion Dispute Team, I hope this letter finds you well. I am writing to formally dispute several inquiries on my credit report that I believe were made without my authorization. The details of the unauthorized inquiries are as follows : XXXX XXXX Type : Finance/Personal Date : XX/XX/XXXX XXXX Type : Bank Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Type : Bank Date : XXXX XXXX XXXX XXXX XXXX XXXX Type : Bank Date : XX/XX/XXXX XXXX Type : Bank Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Type : Bank Date : XX/XX/XXXX I want to emphasize that I did not authorize or initiate these inquiries, and I am concerned about the potential impact on my credit score and financial well-being. 

I kindly request that TransUnion conducts a thorough investigation into these unauthorized inquiries and takes appropriate action to remove them from my credit report. I understand the importance of maintaining the accuracy of my credit history and appreciate your prompt attention to this matter. 

I appreciate your immediate attention to this matter and thank you in advance for your cooperation. Please provide me with updates on the progress of your investigation and inform me of any actions taken to resolve this dispute. 

If you require any additional information, please do not hesitate to contact me at the provided phone number or email address. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been using N26 since XX/XX/XXXX and I have been primarily using the account to save money. On XX/XX/XXXX, I have noticed that the app will not let me sign in and kept asking to identify myself and provide prove of who I am. I have followed the steps numerous times and I still couldnt sign in. After a week, I reached customer service and thats when I found out that it was fraud and I was not getting my money back. They said theres nothing they can do for me and my account will close if the app can not identify me. 
Right now I dont know what to do, I have XXXX in the account and I have no access to it. I cant open my account and I cant move my money. I need serious help with this issue I am facing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted Experian and the collection company   XXXX   XXXX   about a debt that does n't belong to me. I 've filed a previous complaint against both companies because I requested Experian to do a thorough investigation of the verification. I also asked   XXXX   XXXX   to validate the debt and initially after months I received no response but when they did send documents, it provided an address that was n't mine and  XXXX  different conflicting balances and the amount exceeding the credit limit by double! They provided a   XXXX   XXXX   that I 've already disputed on my credit file that 's not mine and someone just recently tried a month ago to obtain credit using the same  XXXX  to obtain a credit card from  XXXX . I was alerted through email by a credit monitoring company.
This is my second complaint and want it documented before I pursue legal action against Experian and the collection agency.
The other  XXXX  bureaus have already deleted this account of my file.
Product: Credit reporting or other personal consumer reports

My account with XXXX as 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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
Product: Checking or savings account

In XXXX of 2021 I received a solicitation from Bank of America that if I opened a new checking account with them and set up automatic deposits over a given amount of time I would receive a {$300.00} credit to my account. I assume I received this as I was a long term credit card holder with them and they were looking for me to join them with a checking account. I met the qualifications given me but did not receive the credit promised. I called in XXXX and was told that yes I did meet the requirements and should receive the credit in a couple weeks. In XXXX I still had not received the {$300.00} and called again. I was told again that they didn't understand the delay and would see that the problem would be resolved. Still not seeing the credit I called again in XXXX and was told that they could not find such a program offered by them and I would not be entitled to the credit. I checked online and they are still offering the program and when I checked further they did indeed offer it the summer of 2021. I set up my checking account over the internet and do not have any documention that I was opening the account based on the fact that they were offering this promotion but it was the basis of my descision to do so.