23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Capital One Auto Finance - support for by phone payments closed XX/XX/2019, not a bank holiday, while my bank ( XXXX XXXX XXXX ) was open. This issue caused a late payment and a credit report of such thus lowering my credit score. 

This same company advertised support on Saturday for phone payments open until XXXX XXXX  Eastern time. I called XXXX XXXX  and am still on hold an hour later. This will again cause my payment to be late. 

Please investigate.
Product: Debt collection

Hospital sent bill to address that I no longer live at despite having changed my address with them multiple times. When contacting the collections agency they are telling me there is no way to remove the ding from my credit report.
Product: Credit card

I disputed charges through Chase from a recent trip in XXXX were I was unfairly charged, but Chase is refusing to credit me for these illegitimate charges and is ruling them valid. Explanation of the XXXX charges below : 1 ) I booked a hotel room for one night in XXXX, XXXX through XXXX. When I got to the hotel and checked in to the real room, it was COMPLETELY different than the room that was advertised online that I booked. I took photos of the room and I have screenshots from my phone of the advertised room on XXXX. They do n't look similar at all. Frankly, the room they gave us was much worse. It was smaller, older, dirtier, and less comfortable. But, we were in the city for less than a day and dealing with the front desk was already a nightmare and wasnt a realistic option from a time perspective, and because it was booked through XXXX, it wasnt going to be easy to reconcile. This is why I requested a partial amount to be refunded from Chase. 

Chase told me that it was a valid charge since I stayed in the room and there was nothing they could do. I explained to them for hours that I did not have a choice to leave the hotel, and arguing with the hotel went nowhere, but they refused to credit the charge even partially. If businesses and merchants can hold customers hostage and their credit care companies wo n't stick up for them after the fact, that is unfair and needs correcting. 

2 ) Me and a companion were traveling from XXXX to XXXX, XXXX on a XXXX flight. We checked in XXXX suitcase and had XXXX small roll on bags and XXXX handbags. The gate agent checked in our first bag and said the other bags were fine to carry on. We go through security, to the gate, and when we 're boarding, the gate agent, at the last minute, says we have to pay for the roll on bags to be checked in. There were many other passengers she let by with similar sized roll on bags, but happened to stop the only non white looking people and asked them to pay. I 'm not saying this was clearly racism, but it sure seemed that way. The lady right before us and the lady after us both had roll on bags the agent paid no attention to. I argued with the agent but at this point I had no choice but to pay and get on the flight. we had already checked in, were at the airport, gate, and one of our bags was ALREADY checked in to the flight. I asked for a full refund from Chase and they are not processing that either. 

This essentially allowed the airline to extort my companion and me with no consequences. There is XXXX flight from XXXX to XXXX, XXXX every day. This was the flight. My check-in bag was already on the plane. I did not have a choice to NOT take the flight, which is what Chase is telling me. How could I do that? My bank and credit card provider should be defending me and siding with me against merchants that prey on customers like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 i sent a letter to XXXX for -15 U.S.C 1681 ( a ) ( 4 ) - " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''. 
-15 U.S.C 1681 ( a ) ( 2 ) - " In accordance with the written instructions of the consumer to whom it relates. 
I ever gave written instructions to put this on my consumer report. They sent me back a research request form. I did not ask for this. 

ON XX/XX/22 i sent a letter to transunion llc for -15 U.S.C 1681 ( a ) ( 4 ) - " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''. 
-15 U.S.C 1681 ( a ) ( 2 ) - " In accordance with the written instructions of the consumer to whom it relates. 
I ever gave written instructions to put this on my consumer report. They are violating my rights. They said they VERIFIED this account. i would like to know how was this account VERIFIED if the court house said they don't share information. transunion violated my privacy.
Product: Vehicle loan or lease

Sheffield Financial account is still charging me interest on an account that was closed on XX/XX/2015 with a voluntary surrender. The balance is still showing of XXXX. Every month they charge and increase the balance of that closed account and its affecting my credit score. I was forced to do a voluntary surrender because i was diagnosed of XXXX XXXX in XX/XX/2015. I am still on treatment. Please fix this problem and add it to my report the reasons of closing this account or loan. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to help delete an remove all inaccurate information with experian. this has been an on going issue that needs to be resolved. please review and remove all invalid info that has hindered my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times as well as submitted a police report & FTC identity report stating the following account is not mine & I never signed or gave permission for these companies to open any account in my name for XXXX. I am requesting that these account be removed and blocked from my credit report for XXXX , XXXX account XXXX, U S DEPT OF ED/XXXX/XXXX account XXXX, U S DEPT OF ED/XXXX/XXXX account XXXX. There is also an inquiry for XXXX/XXXX on XX/XX/2019 that I did not do. Please remove these accounts for XXXX, XXXX, U S DEPT OF ED/XXXX/XXXX both accounts and the inquiry for XXXX/XXXX. I have a fraud alert on my report to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

I have provided Equifax will all requested documents for my identity theft case they continue to refuse to remove a fraudulent account from my credit report. Both XXXX and XXXX have followed the law and removed the fraudulent account that resulted from Identity theft. 
I have provided an FTC identity theft report, a police report, an affidavit and all identity verification documents that are required. This is in regard to the fraudulent account opened in my name with XXXX Bank. XXXX and XXXX complied with the requests and the law but Equifax is refusing to do so. 
Equifax is in violation of the Fair Credit Reporting Act in continuing to not remove a fraudulent account from my report. They are basically saying I am a liar when i have been the victim. You are harming my ability to obtain any new credit. 

As clearly shown by the legislative history of the FCRA identity theft revisions, of which section 605B is the key provision, the purpose was to avoid any involvement of the furnisher or CRA in investigating the issue of asserted identity theft. If the consumer is willing to make a sworn statement before law enforcement, which carries criminal penalties for knowingly false statements, then that assertion itself is adequate to block the information from the consumer 's credit report. 

Conducting an investigation of the furnisher 's reporting is NOT part of the identity theft blocking process, and is NOT basis for denying the block under section XXXX05B. Their action appears to thus be willful noncompliance with the statute, subjecting them to punitive damages and court/legal fess, per FCRA 616.

I am in contact with an attorney and will be seeking these damages against Equifax if this fraudulent account information is not removed from my credit report immediately. Stop telling me that you have verified the account as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please annul these not compliant alleged accounts saying that I was late. Its not true. This is false reporting. I contacted the credit bureau responsible for this but they did not yet respond..Please help me by removing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company has engaged a collections agency to recover the debt but has consistently refused to provide evidence verifying that the debt is mine. Despite multiple attempts to resolve this issue through both phone and email communication, I have received no response. If the company is unable to furnish proof of the debt 's validity, I request that the debt be removed from my consumer report. Their ongoing refusal to provide information regarding the status of the debt is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian reported a delinquency on an account that was never in arrears ( XXXX ). I contacted the credit Union, and they had no record of a delinquency or late payment. I disputed with both companies, as this caused an over 100 point drop in our credit scores ( we had excellent credit for over 30 years and only one late payment to a credit card out of 25 reported accounts over thirty years ). My credit score has not been fixed, though XXXX has sent all supporting documents to each company. The change occurred in XXXX of 2020 when XXXX credit Union merged with XXXX XXXX XXXX. I disputed with both companies, but there is no return to my previous credit score before they misreported a delinquency. XXXX did not make the same error, and they show us having our excellent rating. We had to cancel a home equity line due to this error as the interest rate would be higher due to the incorrect credit report.
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus are reporting a bankruptcy after I have submitted a letter from the bankruptcy court stating that they do not report to the credit bureaus! I did not give the credit bureaus permission to put such thing on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires are fraudulent and are not made by me : XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Checking or savings account

This letter serves as a formal complaint against Discover Financial Services for their egregious mishandling of my fraud claim and blatant disregard for consumer protection laws. On XX/XX/year> at XXXX PM, I called Discover to file a fraud claim. They informed me it would take at least XXXX days to investigate. However, when I called again on XX/XX/year> at XXXX AM, Discover claimed that all disputes were closed and denied without provisional credit. This timeline clearly demonstrates that no legitimate investigation could have been performed. 

Discover 's assertion that they completed an investigation in less than XXXX business days is not only implausible but demonstrably false. It is impossible to conduct a thorough investigation, including contacting merchants, in such a short timeframe. By denying provisional credit and closing the case without proper investigation, Discover has violated my rights under Regulation E. 

I have submitted substantial evidence to support my claim, including a police report detailing the theft and fraudulent use of my card, a PDF of transactions with fraudulent charges highlighted in yellow, and official status/alibi proof from my college. I, XXXX XXXX ( Student ID : XXXX ), was physically present at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/year> to XX/XX/year>. All disputed transactions were mainly travel-related and occurred while I was demonstrably on campus. It is categorically impossible for me to have made these charges. Furthermore, I personally attempted to contact each merchant involved, and none provided any assistance, further highlighting the impossibility of Discover 's claim to have completed a thorough investigation in less than XXXX days. 

I demand that Discover immediately reopen and properly investigate all disputed transactions, provide provisional credit as required by law while the investigation is ongoing, furnish a detailed explanation of their investigative process and findings, and rectify any negative reports to credit bureaus resulting from this fraudulent activity. Failure to comply with these demands and properly address this complaint will result in immediate legal action against Discover Financial Services. Your negligence and disregard for consumer protection laws will not be tolerated. 

I expect a prompt and thorough response to this complaint. Any further delays or inadequate responses will be viewed as additional evidence of your company 's failure to uphold its legal and ethical obligations to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX ( XXXX XXXX XXXX XXXX ) opened in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or 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: Mortgage

I TD Bank Operations Center XXXX XXXXXXXX XXXX, ME XXXX Re : Mortgage Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Loan # XXXX I have had my mortgage since XXXX and never had a late payment. I made a payment on XX/XX/XXXX in the amount of {$1100.00}. In XXXX my payment was adjusted as well as the interest rate. I received a letter on XX/XX/XXXX saying my payment was 30 days late. After numerous phone calls I was told that I was notified in XXXX that my monthly payment was going to change due to adjustments in escrow. I never received such letter. As far as I knew my payment was the same since the beginning of the year. 

My payment apparently went to {$1100.00}. As soon as I was told this was a problem I paid TD bank {$35.00} to make up the difference of approximately {$29.00}. I then paid my XXXX payment of {$1100.00}. 

Again, I was unaware of the change in payment which is less than {$30.00}. Again, I was not 30 days late of making the payment but {$30.00} short. 

My credit score has dropped from the XXXX to the XXXX because of {$30.00}. Again, I have never been late. I was shocked when I found out what happened to my credit. It has taken me a long time to achieve that score. I am XXXX years old and for {$30.00} my credit will be ruined until I am XXXX years old. Not only has this been a difficult year due to Covid and both my husband and I were out of work for many months and my husband is still only working part time yet we still made our payments. 

I really believe that this minor error should be removed given my past payment history and my credit report looks like I totally missed a months payment. That is not what I call fair credit reporting. 

I am enclosing the following documents for your review : 1. Annual Escrow Statement dated XX/XX/XXXX ( New payment {$1100.00} ) 2. Interest rate change XX/XX/XXXX 3. Letter from TD Bank XX/XX/XXXX 4. Copies of TD Bank payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 5. Email to TD Ombudsman XX/XX/XXXX 6. Damage to my credit score dropped from XXXX to XXXX 7. TD Banks missed 30 day payment on credit report I sincerely hope that for the minor error in a payment of less than {$30.00} I should not have my credit ruined for years. I am been a customer of this bank for years and this was the first time there was such an error. 

Please advise at your earliest convenience. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach and gave out my financial records. Their execs sold off their stock before reporting it and should be jailed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for not probably investigating my disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

no creditor : remove it Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account US DEPT. OF EDUCATIO {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment US DEPT. OF EDUCATIO {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$40000.00} XXXX XXXX {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance on XX/XX/XXXX Loan Amount {$0.00} {$100.00} Payment Info remove : XXXX EDUCATION LO {$14000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment XXXX EDUCATION LO {$19000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment remove the late payment : XXXX XXXX XXXX XXXX {$9600.00} Balance updated XX/XX/XXXX 1 late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment Paid Off : 29 % XXXX 2 late payments {$850.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving account XXXX {$9600.00} Balance updated XX/XX/XXXX 1 late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS. Have reported a collection account on my credit that isn't accurate. I do not owe them, never had or applied for credit with them! They have fabricated dates that are not true and a dollar amount that is false, They have threaten me through my credit report with a negative impact of a collection that isn't true by no means. This matter have been disputed once before in XX/XX/2020 with the credit bureau. Southwest credit system have violated my rights, and they have totally ignored the statue of limitations.. They are willing to do damage at any cost! This threatening behavior must stop! They have put this negative information on my credit report and now I'm suffering with higher rates on insurance and higher interest on credit cards and also affecting employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name Is XXXX XXXX XXXX XXXX, I have spoken with XXXX, and Experian representatives In regards to my personal Info being Incorrect as well as sending multiple letters to fix my name, address and to delete formerly known names off of my consumer reports. But in essence nothing was done in those regards. In 15 U.S. Code 1681 ( b ) - Accuracy of report It states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX XXXX Formerly known as XXXX XXXX XXXX Social security number or XXXX XXXX XXXX Date of Birth XX/XX/1990 Experian Name XXXX XXXX XXXX XXXX Formerly known as XXXX XXXX XXXX Formerly known as XXXX XXXX Social security number or XXXX XXXX  XXXX Date of Birth XX/XX/1990
Product: Debt collection

I had a collection from XXXX, I disputed it and XXXX found that I was correct, this was identity theft. since then I 've had XXXX companies try to collect the same debt, every 3-4 months I have to redispute with a diff company to have removed. this is dropping my score and interring with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

There was a period of time in my life that was very difficult to handle due to some problem. I always tried my best to get every payment to you on time. I had a few lateness education loans which I paid. I paid every thing a have {$0.00} balance. But old lateness still reporting in my credit report, and ruining credit. 

I am asking you and your company for a goodwill request to remove paid lateness from credit report. 
Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 
DEPT OF EDU/NAVIENT XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX Navient   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA : Experian Issue : Removed a closed positive account from Reporting without passing XX/XX/XXXX year XXXX XX/XX/XXXX. The item was there in the report on XX/XX/XXXX. 

Item : XXXX XXXX Opened XX/XX/XXXX and Closed XX/XX/XXXX. 

On XX/XX/XXXX Called Experian Customer service and the Dispute Department Agent said they didn't delete it and there were no disputes against the item. Asked to call creditor if deleted it. 

XX/XX/XXXX called " XXXX '' Credit Bureau and verified that they didn't send a Deletion. 

XX/XX/XXXX Called back Experian again and they say they can't add the record back to the credit file. 

Impact : The wrongful deletion caused my Mortgage score to drop 18 point making my ability to Qualify for Mortgage which I need to Close in about 3-weeks.
Product: Debt collection

Called me trying to scare me on debt. Did not even respond to what company they are working for and also threaten to drop off legal papers.