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

Good Morning- My credit score with XXXX is much lower than with XXXX . After doing some digging, I found that XXXX is reporting the XXXX XXXX XXXX XXXX as Open-Derogatory ... .Chapter XXXX Wage Earner Plan Account. This is incorrect. When I filed Chapter XXXX, I filed alone. My ex-husband was not involved. The car was never included in the Chapter XXXX. The car was signed over to my ex-husband. Therefore, he is responsible for the car and is making payments on time.
Product: Credit reporting or other personal consumer reports

Ive identified unauthorized inquiries on my report, which goes against 15 USC 1681b ( c ) ( 2 ). These are affecting my credit score. Please have them removed.
Product: Credit reporting or other personal consumer reports

Re : This serves as my official notification to you, or any company ( ies ), concerned that I here now quarrel versus the reportability of your claim ( s ) until it's definite that privilege to report was executed adequately and in a validated and chronicled testimonially compliant manner, even to the mandates in accordance with the CDIA required XXXX described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim.
Product: Credit card

Over a year ago, I signed up for, paid the annual fee for, and canceled, an XXXX XXXX credit card through Barclays bank. When I canceled it, it had a balance of XXXX, and was assured that by the representative at Barclays when I called to cancel. Then recently, I get an email from Barclays about an XXXX XXXX Red MasterCard that had a balance of about {$210.00}. I never signed up for this card. 

At first I thought that I automatically enrolled in the card because of my previous XXXX XXXX card. But even if that is true, I never activated ( or was sent ) the Red card. And besides, I had canceled and closed that account. This account should never have been active. 

Anyway, I call Barclays last week about this supposed balance, and they told me that there was an annual fee that they charged that card in XXXX, and the other fees in the account where late charges for missing the annual fee payment. 

In other words, Barclays was charging a XXXX annual fee to an account that has been canceled and closed, then charging late fees on top of that. It is also concerning that this card opened up under my name automatically, and that I never had to activate the Red card, and that it opened up automatically in a canceled and closed account. 

I called Barclays and they said they XXXX the account, although, a week later, I am still getting emails that my account is past due, which is part of the reason for this complaint. The second, and main reason I am filing the complaint is because I am quite concerned about the damage this has done to my credit score. I would like Barclays to remedy my credit score for the improper negative balance and late fees.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the inaccuracies that persist on my credit report. These errors are significantly impacting my entire life and hindering my efforts to improve my financial situation. 

The inaccuracies on my credit report have led to several negative consequences, including difficulty obtaining loans, higher interest rates, denial of housing and employment opportunities. These repercussions have created immense stress and frustration, making it exceedingly challenging for me to navigate my financial responsibilities and achieve my goals. 

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which entitles me to accurate and fair credit reporting. However, the presence of these inaccuracies undermines the integrity of my credit profile and violates my rights under this important law. 

I am actively striving to better my financial standing and take control of my future. However, the inaccuracies on my credit report serve as unwarranted obstacles in my journey toward financial stability. Removing these erroneous items is crucial for me to move forward and rebuild my creditworthiness. 

I implore you to expedite the process of investigating and rectifying these inaccuracies on my credit report. Your swift action in removing these items will not only alleviate the burdens I currently face but also empower me to make meaningful progress toward my financial well-being. 

Please understand the urgency of this matter and prioritize its resolution. Your cooperation and assistance in resolving this issue promptly are greatly appreciated. 

Thank you for your attention to this pressing concern. I eagerly await your response and the necessary actions to correct the inaccuracies on my credit report. 

Sincerely, XXXX
Product: Checking or savings account

On XXXX/XXXX/XXXX Bank of America illegally charge me {$35.00} fee for Overdraft beside {$35.00} charge on XXXX/XXXX/XXXX which is correct but in total they charge me {$70.00} stay {$35.00}.
Product: Debt collection

I wrote a letter to the collection agency stated that I wanted proof that I owed a debt to the collection agency. I wanted an original contract bearing my signature with the collection agency. Also, in affidavit form under penalty of perjury. They have failed to do so.
Product: Checking or savings account

On XX/XX/XXXX an unauthorized charge was presented to Truist Bank for processing. As a result, I incurred XXXX overdraft fees. After filing a dispute with Truist Bank, I was advised that they could not overturn the charge but they would return the overdraft fees that were caused as a result of this transaction as a courtesy. On XX/XX/XXXX, Truist Bank refunded ( 1 ) {$36.00} overdraft fee. When asked why only one charge, Truist bank claims that only XXXX of the XXXX overdraft charges were a result of the unauthorized charge. Truist Bank claims that the payment posted on XX/XX/XXXX and any overdraft fees prior to that are not related. I advised that the payment was presented to Truist bank and pending effective XX/XX/XXXX which caused all posting payments on XX/XX/XXXX to incur an overdraft fee. I have requested multiple supervisor requests only to be told that they would call within XX/XX/XXXX business hours. Of course no one calls. On XX/XX/XXXX, I contacted Truist Bank to which I requested a supervisor call back. I was told that the supervisor will call me back during the hours that they were available and that I would have to schedule an appointment for a call back. I agreed and scheduled a call back for XXXX. I was told that the supervisor that would be calling me back would be XXXX XXXX, Complaints Manager. On XX/XX/XXXX, I received a call from an agent advising me that the Manager had something better to do and would not be calling me back. My complaint is that I want Truist Bank advised that they would refund all overdraft fees associated with the unauthorized transaction but only refunded one. Secondly, I am concerned that Truist Bank does not keep sufficient bank records. Truist Bank did not know that the charge was presented on XX/XX/XXXX. This should be known information to Truist Bank. Instead, I had to go over the transaction details and point out to the agent 's line by line to show when the account became overdrawn. This is not acceptable. Attached shows when the XXXX overdraft fees were charged to the account and when Truist bank only refunded one of them.
Product: Credit reporting or other personal consumer reports

XXXX I XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Mortgage lender in XXXX , Michigan Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$680000.00} MTG {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX History : XX/XX/XXXX ; XXXX Late Dates : XXXX XXXX XXXX ACCOUNT ; ACCOUNT TRANSFERRED OR SOLD Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following account ( s ) on the following date ( s ) : Late Dates : XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. This account was sold to XXXX XXXX XXXX after the late was reported during the transfer XXXX XXXX have send the request to have it removed it still show after the removal Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX I XXXX SOC SEC # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cc : mail CFPB FTC Office of State Attorney 15th Judicial Circuit Serving Palm ...

Office Of State Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
[ Please ensure to fill in the placeholders with the appropriate dates, personal information, and creditor details before sending the letter. ]
Product: Credit reporting or other personal consumer reports

Credit report of XX/XX/2024 indicates a score drop of XXXX points over one day period. I see no reason for this drastic change. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX   XXXX XXXX, XXXX. 
XXXX XXXX XXXX. XXXX, GA XXXX XXXX RE :  Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/2019 and I noticed an unauthorized credit inquiry had been made. 
I contacted SYNCB/LOWE 'S XXXXXXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into SYNCB/LOWE 'S XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I initiated a complaint that the information was incorrect. Experian says I have an account with XXXX XXXX that is overdue. I called XXXX XXXX they have no record of any account in my name, much les a past due account. I have attempted to contact Experian but can not get a hold of anyone. Experian is completely unresponsive!
Product: Credit card or prepaid card

I called Wells Fargo Dispute Department to pay {$63.00} but before I made a payment, I told them I wasnt going to pay until they removed the entire account off my credit report on XXXX, XXXX  and XXXX  which they agree and they would send a copy to my address that I paid and it was going to removed off my credit report. The phone called was recorded. After a month, I got a letter saying the loan was resolved but nothing that it was going to be removed off my credit report like they initiated on a recorded phone conversation. when I check my credit report the account was still on there which they lie.
Product: Consumer Loan

On XX/XX/XXXX I purchased a XX/XX/XXXX XXXX Note from DriveTime in XXXX, KS. The Sales Representative XXXX said the " optional '' warranties were cancellable. We stated we did not want them prior to the contract and sale. She did not act to remove the warrantee products that were financed. I should have known better. She gave me the understanding that they were required, despite the optional nature indicated in the contract. This was recorded. There should be a record that we did not want the warranties. Her inclusion of the XXXX products in the contract should not have been done given our misgivings about the products and the lack of need for their coverage on a XXXX mileage vehicle. DriveTime has a history of sanctions by this Federal Agency for collection practices. This sales practice is unfair and deceptive. The warranty should not be automatically produced in the contract for the sale, increasing the almost XXXX percent APR financing of the {$5200.00} for GAP, Service and Anti-theft warranty products. I signed the contract with the understanding I did not want these XXXX products. The representative failed to remove the products from the contact, stating they are cancelable. I was not able to execute the cancellations until today, XX/XX/XXXX. The product is prorated and financed. I requested their customer service representative to pull the video of the contract signing. I specifically stated I did not want these products and the sales representative failed to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Indigo on several occasions regarding this fraudulent inquiry. And every representative that I'd spoke to made it very clear that this a serious matter and that it would be taken care of. And it still remains on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a request to XXXX XXXX to investigate accuracy of information on my Consumer Reports. 
They sent their response and dated XX/XX/XXXX which I have attached confirming that the reporting information is accurate. 
XXXX is in violation of 15 U.S. Code 1666 ( a ) 15 U.S. Code 1666b ( a ) 2 15 U.S. Code 1681i The inaccuracies include ; Last Payment Date XXXX XXXX Equifax XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Times 30/60/90 days late XXXX XXXX Equifax XXXX XXXX XXXX Highest Balance XXXX XXXX Equifax XXXX XXXX {$18000.00} XXXX XXXX Creditor Address Information XXXX XXXX Equifax XXXX XXXX Tx XXXX LA XXXX DE
Product: Credit reporting or other personal consumer reports

Company continues to furnish fraudulent information on my report. Company has been notified several times and sent copies of ftc report showing these inquiries as fraudulent. This is a direct violation of 15 USC 1681 & USC 15 1666. Please remove the following inquiries from my report : Account name : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet you could not substantiate its representaiton.. You have provided information while knowing or having reasonable cause to believe that the information provided was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 01 XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 11 XXXX XXXX ), XXXX XXXX XXXX XXXX  CREDITOR : 09 XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX XXXX ),
Product: Debt collection

After multiple attempts to fix my service with XXXX XXXX I finally cancelled the service because I needed a steady and trustworthy internet connection for my work. XXXX auto debited my credit card on XX/XX/2023 in the amount of {$270.00}. My normal monthly amount is {$100.00}, and I was not under any contract. I never received a printed bill for what the charges above the {$100.00} were and my online access to my account had been terminated as soon as I cancelled service. I called XXXX XXXX XXXX  times after that to request a copy of the billed amounts ( Phone logs were made available as validation ). 
I received nothing. I disputed the amount over the normal {$100.00} with my banking institution. XXXX XXXX was notified by my bank and after 2 months I received a letter from my bank validating that XXXX XXXX agreed the debt was not mine and I received a credit for the total amount disputed. 

Since then, Diversified Adjustment Service , Inc. has purchased the amount that I was awarded from my banking institution, as debt I owe XXXX XXXX. I notified Diversified of the dispute and letter from my bank and sent them a copy. They have not stopped trying to collect the debt. I also notified them I have still not received validation of what XXXX XXXX was charging me for ; Diversified sent me a paper copy of a XXXX XXXX Bill with just a $ amount and no breakdown of what the charged amount was for. I reached out again to remind them of the disputed debt with XXXX XXXX that XXXX XXXX agreed was not mine and that the verification of debt was not completed without a detail of what the debt entails. They are still continuing debt collection, well aware that a federally insured bank and XXXX XXXX have validated this debt as not mine.
Product: Credit card or prepaid card

My wallet was stolen at a gas station with my license, credit, debit and other sensitive information in it. I have been trying to report the fraudulent charge for {$100.00} from XXXX for months now to XXXX XXXX  credit card. You can only report the charge over the phone with their fraud department the customer service representative told me. Then they put you on hold for hours! I've even waited hours and then it hangs up on me. I tried reporting the autopay from the fraudulent charge to my bank, and XXXX XXXX credit card charged me {$30.00} for reporting the autopay. I'm so frustrated there's no way to resolve this! I don't want this on my credit record, so am I just forced to pay all of this? It is such a scam! I just want a resolution.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$67.00} XXXX XXXX  XXXX Balance : {$0.00} CAPITAL XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Balance : {$72000.00} XXXX XXXX XXXXXXXX Balance : {$61000.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$72000.00} XXXX XXXX XXXX Balance : {$61000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Continues to call my place of employment although they have other ways to contact me. 

Called on XX/XX/XXXX19, called on XX/XX/XXXX19 andXX/XX/XXXX19 I asked them to not harass my employer after 1st contact still continues to call
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX. XXXX  XXXX XXXX GA XXXX XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by Flagship Credit Acceptance in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have my account listed as a Derogatory and Charged off account. This account has already been disputed and removed from my XXXX  credit report due to inaccuracies. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with Flagship Credit Acceptance and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Honestly I do n't have the dates. I thought this matter was resolved. I placed an order using a XXXX card for a portable air conditioner. After almost a month, I called to cancel due to the fact it was a heat wave coming and my family had no working air conditioner. I had to purchase one immediately, there for I no longer needed the one I ordered. Also, I had received no word from them as to the status of my order. When I had XXXX years ago, They would send out a card, keeping you abreast of the status of your order. When I called, the young lady informed me that the item had been delivered. I said, no, I am XXXX and I am home all day. No one has come to my door. She then proceeded to tell me to wait 5 business days and call back while they work on finding the information. I called back on the 5th day. I was spoken to in a most demeaning manner. The guy was rude beyond words. He told me that it was delivered to my door. I told him. I am XXXX and I am home all day. No one has come to me door. He proceeded to shout at me telling me it had so been delivered. Then he asked, did I ask my neighbors. Why would I? I have never had an issue with a purchase. I also, purchased from XXXX for several years, with no problems. Now I see on my credit report that I own them {$600.00}. I refuse to pay for an air conditioner I never received. XXXX should not be allowed to place that purchase on my credit. They are trying to hold me hostage unjustly!. I have had no one come to my door. I did not sign for any purchase and they should be made to remove that product from my credit period! I have had to take extra XXXX medicine because of this injudicious matter. Please help me!