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

Re : Loan # XXXX Dear Sir or Madam We were denied for an application for loan by a bank for a negative account which is so called " 3x30 rolling mortgage late for three consecutive months ''. We heard this in shock because we have had perfect credit history and always pay our bill on time. We checked our credit and found out the problematic account is the above mentioned one and it is the mortgage service company XXXX XXXX XXXX XXXX  who reported this matter to the credit agencies, which damaged our credit. 

We did some research and found out this mistake should have been avoided if they have a better communication with us. They notified us a rate change onXX/XX/XXXX for the increasing of monthly payment, and we updated our auto pay setup beginning from theXX/XX/XXXX. We thought there would be no more change for half a year according to our loan terms. Since all our payments are set up for automatic paying, we did not usually go to check the account until we get proper notice. However, They increased our payment again on XX/XX/XXXX ( from {$1300.00} to {$1400.00}, with a {$43.00} difference ) that we were not aware of. We kept out payment for the amount that you notified us on time every month, until the month of XXXX when we were aware of the new change occurred on XX/XX/, we paid the extra to catch up the shortage and their fees. This is the reason that we were " late '', but it really is just a mistake on both the bank and our side. And the so called " late '' is JUST A VERY SMALL POTION OF THE PAYMENT, FOR {$43.00} Giving the fact that we have kept our payment every month on time, and the unpaid partial amount is relatively very small and they charged us for that late fee, we have paid the price for the mistake made. they have many chance to communicate with us either by phone or by email or by mail, but they had chosen not make to such effort for their due diligence before they report to the credit agency, we believe they did not do a good job in service their customers, and their procedure is problematic. 

We hope this would explain what happened and they would understand we never under any intention or difficulty or dishonest to not paying all our obligations on time. we never had any problems with our payments. Indeed from our credit report, you shall be able to see we have a perfect payment history if they did not cause this problem. 

Having said the above, we sincerely hope they could correct our record in all the credit agency so to restore our good credit. We advise them by phone, by email and mail that, because this mistake caused the denial of our bank and, consequently, we lost a big business opportunity, the damage might be very serious. If this dispute could not be resolve, we reserve our rights to resolve it in the court of law. In the phone they promised to make the correction but several month had passed and no change happened at all If you have any questions about this matter, please feel free to contact us at your earliest convenience. Please call me at XXXX, or email us at XXXX. Your prompt response would be really appreciated.
Product: Credit card

On XX/XX/2023, I had unrecognized transaction on my card for {$200.00} done in XXXX. On XX/XX/2023, when I discovered that, I submitted a dispute claim and notified my credit card company ( Costco Citi credit card with Citibank ) of the issue that this is not authorized transaction and asked them to reverse and refund me the money. Then, I haven't received any communications from my credit card company after this, so I kept calling them many times to resolve it, but the credit card personnel were very unprofessional and incompetent. After few months, I received a letter from credit card company stated that they closed my dispute, so I called them again wondering why they closed it and they said that it was a mistake, and we will reopen it. Then, after few months, I was told that this dispute is transferred to the fraud dispute department that when I called, they told me that they don't have any claims for me. Every time I call the credit card company asking them for updates, letters and/or full names of people I talk to, they refuse to help me. Till now, I don't have any information about my claim, nor the money was refunded to my account.My case number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i had setup an automatic bill pay in XXXX and i sent the necessary paperwork for it. and it didn't get properly processed on XXXX XXXX XXXX side. So i called them and they said to dispute it through this process. it is on my XXXX and transunion as late when i never been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been more than 4 months, since XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018, trying to fix my credit with this company ( Transunion ), and it indicates in its reports that the results are verified or updated, but Check the update date does not change, which turns out to be never investigated in the 30 day period. I sent my last claim on XX/XX/2018 and guess what, that 16 accounts never been update date and their still claiming that this accounts are accurate and verified. In addition to other accounts that have not investigated, they hide with the word not specified, when it is assumed that all change and investigation has not been hidden or hidden from the eyes of the consumer.
Product: Credit card

Vanilla gift card purchased in Colorado for {$50.00} and given to me for XXXXI attempted to use it on XX/XX/XXXX at XXXXXXXX XXXX in XXXX XXXX. XXXXXXXX XXXX showed a balance of {$0.00}. 
I immediately filed a dispute. The dispute came back to me with case # XXXX. I signed their paperwork and returned it to them. I received a response showing that XXXX transaction had been done. XXXX @ XXXX XXXX  - Processed - XXXX XXXX ) XXXX - payment of {$49.00}. 
I again signed their paperwork within the last XXXX weeks. 
They, Vanilla, knows that XXXX XXXX was given my money. Either through incorrect posting or felony theft of funds from my card. 
It's totally absurd that as of today XX/XX/2024, I still have not been refunded the {$50.00} owed me.
Product: Credit reporting or other personal consumer reports

Collection Agency : NCB Management Creditor : XXXX XXXX Amount of Debt : {$12000.00} I have made several attempts over the past four years for NCB management systems to provide me with the original validation letter for the alleged debt between myself and XXXX XXXX. I have sent countless formal requests via certified mail asking for NCB to provide me with the original purchase agreement of this alleged debt between NCB  and XXXX XXXX, all to no avail. I have requested this information via certified mail from the year XXXX  to present and I still do not have the information I have requested. Per the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for any and all documentation of the alleged debt and If they don't, they're in violation of the act. If the can not provide the original purchase agreement of this alleged debt between NCB and XXXX XXXX, they must delete this entry on all of my credit reports with XXXX, XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

I have repeatedly contacted Bank of America to retrieve my money {$5000.00} I processed through XXXX. They have denied my claim citing they are unable to recover my funds. Bank of America encourage you to use XXXX and when you pay someone for goods and not get them, they are unable to get your funds. I strongly feel that Bank of America is not trying enough to retrieve my money. I was contacted by XXXX XXXX that she is selling her travel benefit with XXXX XXXX that i can use for a year and pay reduced airfare. My sister is terminally ill with XXXX and i travel often to go see her in XXXX. I sent her {$2000.00} onXX/XX/XXXX, {$1000.00} onXX/XX/XXXX and {$2000.00} on XX/XX/, for a total of {$5000.00}. I was supposed to start using benefit in XX/XX/XXXXand i have attempted to communicate with her via calls, text and voice messages but have been unsuccessful getting any response from her. Bank of America are in partnership with XXXX and encouraged me to do transactions using XXXX but are not willing to work with other banking institutions to recover my funds due to been a the victim of scam/fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Debt collection

Back in The XXXX 2016, I received a collection notice from Credit Collection Services for a debt of {$970.00} from XXXX XXXX and causality. I contacted Credit Collection Services to inquiry about the debt, I was advise from Credit collections services to send proof from DMV showing the date I sold the Vehicle that was covered by Nation wide insurance, I attached a copy of the plate cancellation receipt which was date XXXX XXXX, 2016, the cancellation notice on credit collection services for my policy with XXXX is XXXX XXXX, 2016. How can I be charge insurance with nationwide insurance for a vehicle that was sold 22 days prior. Credit collection services put this amount on my credit file with transunion on XXXX XXXX, 2016 and disregarded the attached document which was the plate receipt from CT state department of DMV. This is wrong.
Product: Debt collection

XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tc XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX, Tx XXXX I have tried on Several occasions to fix this problem with my credit report.This account is being reported as a charge off on my credit report. The Amount being reported is not the amount that a final bill or statement that was sent to me. Along with the incorrect address on the statement as well. The date opened and the date of last payment seems to be conflicting. I am aware that under the FCRA you are only allowed to report correct information on my credit report and the account must be validated and I have the legal right to obtain proof of that validation. This is not my first time seeking validation without any feedback about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX 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 **** Date XXXX Balance Owed : {$31000.00} - Chargeoff XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Chargeoff XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : $ XXXX Chargeoff XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/year> Balance Owed XXXX XXXX XXXXXXXX Chargeoff
Product: Debt collection

Numerous of times I have asked this company for a response to my debt validation letter. Still nothing its been months but they keep reporting to credit bureau. I dont know what to do this debt dont belong to me I never had sprint before I had t-mobile since I was a kid.
Product: Credit card

Citibank locked my card again when adding my card to XXXX XXXX on a new XXXX XXXX received for XXXX. Their fraud protection unit wont speak to me about the card until they verify my account, but their verification process is very counterintuitive. They ask for seemingly random phone numbers to text and will not use the number associated with my account. They will not call me, they will not accept any of my personal information, they will not send me an email to the address that has been on file for XXXX years ; instead they are mailing me a letter via snail mail and my card is locked until I give them that code. I am halfway across the country depending on my Citibank credit card to travel and am now stranded. 
Meanwhile the 3 times I was the victim of actual fraud I was the one who caught it and notified them. 
This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter to the XXXX XXXX XXXX address that they had on my credit report and it was not correct information, so it was return to me. So i sent a letter to Equifax asking them to delete the negative item for the reason of false information on the part of XXXX XXXX XXXX and has not heard from them. I will upload the letter that i sent Equifax to address the situation on XX/XX/2018
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX lease account # XXXX XXXX XXXX XXXX. On XX/XX/XXXX I signed a lease extension on my XXXXXXXX XXXX Document attached All payments were made and up to date. 
On Sun XX/XX/XXXX in the middle of the night XXXX incorrectly repossessed my vehicle. 
I reported it as stolen and was later notified it was at a car auction in NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX took me to court for mileage and damages. 

It's pretty obvious that the judge ruled in my favor. Document attached. 

Please please help me! XXXX continues to report inaccurate information to XXXX, XXXX XXXX Experian. I have spent months disputing this with the credit bureaus XXXX XXXX has refused to remove this negative information from my reports. 
I was denied housing due to this negative information. 

I need XXXX to remove all incorrect, damaging information from my credit reports. 

Thank You!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was transferred from {$260000.00} XXXX XXXX XXXX  to XXXX in XX/XX/XXXX. On XX/XX/XXXX, I receive notification that my loan was forgiven because of my public service. Experian stated that XXXX XXXX XXXXXXXX reported to them on XX/XX/XXXX to leave the loan on my account. I no longer have an account with XXXX XXXX XXXXXXXX. I explained this to Experian. I tried to reach out to XXXX XXXX  XXXX and the app, website and phone numbers are no longer operational. Please help me have this removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The right to contest my credit report is something that every XXXX has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! Debt loadurbances can have a huge impact on our lives if they're left unchecked, so it's important to report any derogatory information accurately and compliantly. I am requesting that you investigate the validity of the allegations in my credit report, and if they're current and compliant with regulations, then we'll leave things as they are. However, if any of the information is not accurate, I demand that you remove it from reporting immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Balance {$770.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$2400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$5100.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance : {$1900.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$11000.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, Experian and XXXX and informed each of them that information on my credit report is incorrect, specifically the spelling of my last name. In the section titled " Other names '' my last name was spelled " XXXX '' instead of the correct spelling which is " XXXX ''. Also my birth year was listed at " XXXX '' instead of " XXXX ''. I was on line looking at the report and identified the most blatant errors I am not certain if there is more. I was looking at the document online and I was unable to look at the entire document at that time. When I went back to try to pull up the information I was unable to access the credit report. Since that time I have requested all three of my credit reports and I have not received a copy of any of them at this time. I would like a complete credit report sent to my address from ALL THREE agencies so I can compare and contrast the information that is listed on all three of the reports. I need to identify all inaccurate information between each of the three reports.

One of the main problems I am having with these agencies is that is extremely difficult to get a live representative online. Every time I call I get put into a message system that forces me to select options that do not apply to my concerns. I am NEVER able to get in contact with a live representative. Another MAJOR CONCERN is that I am unable to access MY SOCIAL SECURITY account. Specifically, because " EXPERIAN " has information about me that is NOT correct, which is preventing me from accessing MY OWN social security account. This has been going on for YEARS. I have had to go to social security over 8 times to get a password RESET which did not work because the credit information associated with my account is WRONG. I have had my password RESET about 4-5 times and the problem has not been resolved.
Product: Debt collection

XX/XX/XXXX contacted Financial Recovery Services : XX/XX/XXXX, contactedFinancial Recovery both times asking for the Original Purchase Agreement signed by all parties involved sharing my personal information ; Account sold to : XXXX XXXX XXXX XXXX XX/XX/XXXX asking for Original Purchase Agreement; XX/XX/XXXX XXXX XXXX XXXX asking for original purchase agreement; XX/XX/XXXX XXXX XXXX XXXX asking for original purchase agreement and to cease collection. I have been asking for the past 5 months and still nothing; selling my personal information to people I dont know. Amount is {$620.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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Product: Credit card

It is It is my belief and information, that my Credit Denial was a rush to judgement and I feel discriminated against which are both are a violation of my constitutionally protected rights. Everytime I ask for a reconsideration, I get the same computer generated response. I applied for the wrong application and immediately applied for the right one after XXXX denial reason is saying pending application. I asked the Agent to delete the first one and they failed to do so.