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

XXXX XXXX XXXX # XXXX has incorrect 'term '. 

XXXX produced the terms attached, which states the 'term ' is 72 months. 

'High Balance ' is missing ; please provide the high balance for the account. 

'Payment History ' is missing for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please provide complete payment history.
Product: Debt collection

I am a victim of I D Theft This is NOT a request for verification or proof of my mailing address, but I respectfully request that your offices demand that the collection connection remove the account from my credit I do n't have any legal obligation to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not report correctly. I did pay XXXX XXXX XXXX on time in XX/XX/XXXX. The report of payment is not even on the credit report. 
First pic shows empty payment of XX/XX/XXXX. I did pay on time! 

Experian also did not show report on XXXX XXXX XXXX. I also did pay on time. Last pics are of XXXX XXXX XXXX report. 

Experian scored me as XXXX but then lowered my score to XXXX. 7pts loss. You will see pics of 3 scores of different dates. Why?! Also, I d not dispute with Experian as they require me to call. It s plm using interpreter due to unclear screen. Best is to be dibe thru online. Experian has online but seems always require me to call. They are NOT ACCOMMODATING to XXXX people or XXXX people properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account # XXXX. XXXX XXXX XXXX XXXX XXXX Charge-Off, 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/year>, I went to check into my two hotel rooms and found out after I got there that they did not have a generator. This was during the recent Storm, XXXX XXXX. I was sitting in the dark for the last day and night of my stay. They refused to give me any money back due to their neglect. I called my bank to stop payment on this transaction because I was falsely charged. The bank didnt even try to help me. They lied to me like I was going to get my money back, but I have not received anything and they refuse to add my deposits they took off my card for those rooms. It has been a complete nightmare. Im a XXXX Veteran who has been unable to get any help from this institution. I can not believe the practices of Navy Federal Credit Union. If that had been anyone else they would have given them their money back and more. Just because I am an elderly XXXX Veteran they disregard a lot. I need help, please help me. That hotel knew before I got there they didnt have a generator. They should have never taken my reservations. Its a complete fraudulent act on their part.
Product: Credit card or prepaid card

In XX/XX/XXXX, I received an invitation to sign up for the NO ANNUAL fee Gold Delta SkyMiles credit card for XXXX XXXX employees and retirees. On XX/XX/XXXX I contacted American Express to sign up ( see enclosures for noted time, date, employee name and employee # whom I had spoken too ). On my XX/XX/XXXX billing statement, you showed a {$95.00} annual fee which I deducted from the payment believing it was billed in error. Subsequently, the annual fee occurred on my next billing statement. Reluctantly I made payment and then contacted American express. After 5 + weeks with no response from you I again withheld payment. I finally received a reply from your company in a letter dated XX/XX/XXXX. In your letter, you addressed a promotional offer that had absolutely nothing to do with the original promotional offer I received. Example, you state that bonus miles awarded after making {$2000.00} in purchases, please show me where in my offer that number appears, I show {$1000.00}. Also, you state members are eligible for a Single welcome bonus. If you read the promotion offered to me it clearly states PLUS No annual fee. American Express has continually billed me late fees the last 6 months even after I paid the annual fee. Consequently, this has had an effect on my Credit!! My balances on my accounts with American Express have always been paid in full monthly!! I have now learned that American Express has canceled my account. I have accumulated SkyMiles on that card that is close to XXXX points. I have patiently waited for a response to be made from AX, but as you can see in the attachments they are electronically prepared, they incorrectly address the issue, and when they do, the information is not even correct!! The last response received from AX was dated XX/XX/XXXX ( see attachments ) you will see an award of XXXX bonus points on XX/XX/XXXX, which is incorrect. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( retired )
Product: Credit card or prepaid card

Nordstrom.com and a XXXX by the name of XXXX, who claims to be in financial services, has canceled and blocked all online orders made by me or a family member to my address on file. Her reasoning was that I was upset and cursed at here over an order that was clearly tampered with when received. Instead of fixing the solution, she took it upon herself to block my usage and then in an email told me to not shop with Nordstrom. When advised to escalate and that she didn't have that authority she stated she could do whatever she wanted. This is causing me to not use my nordstrom card, who has stated there is nothing wrong with my credit account. XXXX is clearly vindictive over a customer being upset and is retaliating against me and my family over an issue that should have been resolved
Product: Credit reporting or other personal consumer reports

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  I don't recognize any of them since I suffered abuse by these companies to request my credit report without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

The amounts of bill never exist. I dont owl the Chase any bill. I tried to work with the customer service many times and some one from XXXX office as well, they do not look at the statement that I Faxed to them and no call back and no answer. I felt discriminated and ignored!
Product: Credit card or prepaid card

I have been a Chase customer for approximately 5 years. I had a checking, savings, business account, custodial account and one credit card. The slate credit card did not offer the benefits the other cards offered and they would not lower the interest rate. I have never been late on a payment and recently paid the card off in full. My payment history with ALL my accounts is 100 %. My utilization was low. I was approved for the Southwest Airlines card and freedom card which would have allowed me to close the higher interest cards I used to build credit. I will be traveling in the future and the Freedom card offered 0 interest and rewards the Southwest card offered airline miles. 2 days after activating my cards and meeting the limit Chase encourages its customer to spend to get the rewards offered, ALL 3 of the cards were closed including the slate card which I have had since 2017 when my credit was not as good as it is now. There was no prior notice and this will negatively impact the credit I have worked so hard to build over the past several years. What changed in 2 weeks time? Why was I approved and then shut down as soon as I activated my card and made a charge. If anything they should have denied my application and then I would have just had an inquiry not 3 closed accounts. I have made arrangements to pay each card in full by the due date. I even asked them to close my slate and lower my limit. They would not budge on the decision.
Product: Mortgage

On XX/XX/XXXX, I was offered a refinance option ( XXXX  ) through my current lender, XXXX XXXX XXXX, and was in contact with a loan XXXX working with the company for the process. Im currently residing in XXXX, XXXX, but have family living in my home in XXXX XXXX, Maryland. 

Initially, I went through the whole process of digitally signing documents and obtaining the requested documents by getting a power of attorney for my mother to be the designated signee through the XXXX XXXX of which took time, money and other logistics on my part to get done so we could close for the refinance. During this time, my mortgage payments changed due to a shortage on the escrow in XXXX of XXXX, and since the account was being deducted automatically, the change had to be made via the bank and I reached out to the company to make payments via the phone but they couldnt take the payments. Further, the money owed was part because they didnt receive the full payment, but the main mortgage principle that we were paying for XXXX years was still being deducted. That sum was a total of {$1700.00}. The late fee was also charged and paid thereafter. After the change that increased my mortgage payments to {$1800.00} was made in XXXX, they received my power of attorney that I obtained from the U.S. consulate in XXXX, XXXX XXXX, they decided to deny my refinancing option under the basis of missing one late payment. I wanted to talk to someone in the department regarding this but was not met with my requests. I really feel that this whole situation couldve been handled better and fairly treated under the circumstances I was in. I would like to complain about this with hopes of receiving a fair shot, since we were doing our due diligence for 4 years making payments on timeeven in the mist of the pandemic we were puntual with our mortgage payments.
Product: Credit reporting or other personal consumer reports

Though I have disputed before and it was removed before. They are allowing a different collection agency re-add incorrect information to my credit report. It says that I owe XXXX for an account that I had with XXXX XXXX XXXX. When I graduated, I paid all fees and I received my diploma. I even have my account to show that I left the school with a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account for Child Support was placed in collections in the year of XXXX, I have filed multiple disputes and written letters with TransUnion and the account continues to reage. Now its showing on the report as closed but negative it was closed then replaced back on report with late payments Therefore this account should have been removed no later than XXXX.
Product: Debt collection

Northstar Location Services has contacted me XXXX times and told me that they are looking for my mother who owes a debt. My mother did not give my cell phone # to them. I do not know how they found my cell phone #. They are nasty on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of IDENTITY theft ... ... I submitted all the proper documents to all 3 bureaus previously ... .this account on my reports was removed previously as it was found to be fraudulent and now it was re-inserted for no reason ... .these credit bureaus are crooks and they never follow the guidelines set forth by the FCRA ... they just operate in their own worlds and go by their own RULES. Both of the following accounts should be removed and deleted permanently from my reports. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$3300.00} Reason : Account is fraudulent
Product: Debt collection

We repeatedly get calls from Credit Management Company for a " XXXX XXXX XXXX  '' bill we do not owe on. We called the original creditors, they realized it was erroneously added and said they would fix it. Four months later and I get around 6 calls a day even though I owe no money. They reported this to the credit unions and ruined my credit for something I did not do, right before I was preparing to buy a house. This company has ruined my credit and continuously harassed me for a bill I do not owe and have to correct multiple times. This is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I noticed a late payment had been inaccurately reported to Experian by XXXX XXXX. I sent a formal letter to XXXX XXXX and Experian explaining the error on my credit report and included supporting documentation as exhibits including original purchase confirmation email, original payment receipt, and the additional payment receipt, bank statements, and transactional detail. XXXX did not respond to my letter and Experian failed to perform a reasonable investigation. On XX/XX/2023, I sent a second notice to Experian 's legal department and nothing was provided in writing as required by the FCRA.
Product: Credit reporting or other personal consumer reports

in accordance Fair Credit Reporting Act 15 USC 1681b- Permissible purpose of consumer reports. 
XX/XX/2024 I XXXX XXXX notify TransUnion, XXXX, XXXX that are in violation of my consumer Rights. 
15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), term " credit report '' does not include- ( A ) Subject to secection 1681s-3 of this title, any ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report. 
There are inaccurate ( late payments ) on my credit report XXXX {$170.00} Account number XXXX XXXX {$1100.00} Account numberXXXX XXXX {$12.00} Account number : XXXX Also without written instruction inaccurate inquiries i did not authorize nor did i consented : XXXX. XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024XXXX XX/XX/2024 XXXX. XXXX XXXX XX/XX/2024
Product: Debt collection

I received a phone call from collection agency from a blocked # then the rep talked to me with out authentication there is a XXXX & XXXX in my house Gould the balance on the account was {$560.00} they offered me a settlement for XXXX XXXX and something dollars asked the rep did the purchase this debt sat yes I offered him a lower amount said he need to bring his Supervisior on line talked with his Supervisor XXXX XXXX who also discussed the debt without authentication told him I never received anything in writing from your office and I believe you have the wrong person then he states are you threatening me to take an lessor amount of money I stated how can I threaten you to take my money told him Im going to file a complaint against there office for 3rd party disclosure and not authenticating you have the right person on line didnt ask for my date of birth or social security # Collection agency name is Jefferson Capitol Llc XXXX XXXX XXXX XXXX XXXX Mn XXXX there in violation for not authenticating they have the right party on lime and calling me before they mailed something in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Last 4 of Social Security # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information furnishing my good name with Experian & collection agency, I mailed out a dispute letter to the Collection agency & Experian to ask for Validation of debt. They FAILED to send me Validation of the alleged debt or a form with the original agreement and wet signature from the alleged debt. They sent an itimization which is a breakdown of charges and not consired VALIDATION OF DEBT. I sent the letter on XX/XX/XXXX and on XX/XX/XXXX they sent me a response on the Experian online portal that everything was Validated. How can this be if they did not provide me with the requested documents mentioned above and in my dispute letter?
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX Equifax XXXX these found accounts. These accounts ... .lm askin to be removed ... .. Due these accounts showing doesn't belong to me the disputes lasted over 90 days then I won the dispute. Then l received a written letter statements saying they were going to remove but pinstead these accounts still found on my credit report XXXX XXXX account # XXXX in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capital one recently changed they're payment processing procedures and now it doesn't work on their end and they've charged me a late fee. I've tried multiple ways ( from trying to lay over the phone, to trying to pay online and via their app ) none of them work. They made me get a letter from my bank stating I was the owner of the bank account but that process takes ten days and in the mean time I've been charged a {$40.00} late fee and my interest rate has gone up. This problem is solely on their end of the transaction and they are still charging me late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed A collection with XXXX. XXXX  XXXX XXXX  XXXX. Are reporting my XXXX XXXX account as {$860.00}. The amount owed is {$860.00}. My Experian credit report. Shows this same account as XXXX XXXX XXXX XXXX XXXX XXXX account as {$860.00}. I received a Certified Letter from AD XXXX XXXX  XXXX  today. From the USPS. This Certified document. Shows I owe {$860.00}, not {$860.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information on my XXXX/TransUnion credit report : XXXX XXXX XXXX XXXX collection account number XXXX with the balance in the amount of {$180.00} ( Original Creditor is XXXX XXXX  XXXX ) is inaccurate because Its absolutely fraud. I am requesting that the item be deleted. 

I lived in XXXX XXXX XXXX for 3 months ( XXXX, XXXX, XXXX, XXXX ) and paid in full all of my 3 utility bills on time. 

Enclosed are copies of XXXX XXXX XXXX letter, XXXX XXXX XXXX balance, Transaction Details of my bank account ( copy of my cleared check of termination fee ) and my final XXXX bill supporting my position. 

The balance of XXXX XXXX XXXX XXXX is fraud and doesn't include a truthfulness info because the following information : I moved out from the XXXX XXXX XXXX on XX/XX/XXXX. I closed my electricity utility company XXXX account by address XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and paid in full my final bill in the amount of {$79.00} on XX/XX/XXXX. 
I paid in full the termination fee {$2400.00} on XX/XX/XXXX. 
The email address XXXX doesnt exist. 

Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX of this year I initiated a balance transfer on a new HSBC credit card that I had acquired. One month later Chase hadn't received any check from HSBC, so I contacted them to resolve the issue. They urged me to wait a couple more weeks, which I did, but when my first payment was due and XXXX still had not received a check I contacted HSBC again to potentially cancel the balance transfer and revise my minimum payment which was due, since I was now carrying a balance of {$1900.00} on both credit cards. I called 4 times and each time I was told I would receive a call back from an HSBC agent within the week. I never did. Finally I approached an HSBC bank manager who claimed to have cancelled the check and had a new check sent out to XXXX. XXXX never received it. It was now the first week of XXXX, over two months since I had originally initiated the balance transfer, and HSBC had now filed a late payment charge on my credit report. I paid the minimum amount due to resolve any further issues and had them cancel the check and the balance transfer. Without my authorization they closed my account, and now both the late fee and the closing of the account have severely affected my credit score. When I inquired how I could dispute the late charge they told me to contact their " customer relations '' line. I left 4 voice  messages and never heard anything back. This is by far the worst experience I've ever had with a financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in letters to the credit bureaus reminding them once again that the items that are reporting are inaccurate and does not belong to me. On top of them not verifying these items they have yet to even respond to any of my letters. This is causing me a tremendous amount of stress. I am currently XXXX with my second child, and already have a lot of things to deal with. I already stated that after review I also found out my information was impacted by the XXXX data breach. If this isn't resolved, I am going to file for litigation. Please help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is useless
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$240000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX