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

I purchased furniture at a local merchant in late, XX/XX/XXXX. That purchase was financed over time, and the loan was sold to XXXX XXXX. My first payment was made in XX/XX/XXXX in the amount of {$180.00}. Subsequent payments of {$180.00} per month were made each month for 27 months and a total {$4800.00}. I have bank records that prove {$180.00} was debited from my bank account each month beginning in XX/XX/XXXX and ending in XX/XX/XXXX. I am happy to provide the XXXX file from my bank, to include confirmation numbers, to the CFPB or the receiving institution. Notwithstanding the monthly payments of the agreed-upon amount, the creditor ( XXXX XXXX ) has reported this trade line severely delinquent -- reporting it 30 days late five times, 60 days late four times, and 90 days late three times. It is egregious that one can purchase furniture, the loan be sold/serviced to XXXX XXXX who receives the monthly amount due, and that bank then prey on a consumer who is making payments in good faith with regularity and never missing a monthly payment. I invite any creditor or agency with a bona fide interest to review my credit history, and you will find stellar credit payment history that begins 19 years ago and includes real estate, installment, and revolving accounts. What is even more unbelievable is the original furniture purchase called for 24 monthly payments of {$180.00}, which is a total payback of {$4300.00}. While I tried to work with XXXX XXXX  even though I could not understand what the problem was, I ended up paying three additional monthly payments of {$180.00} -- making the total payback more than {$500.00} over the original amount of the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and saw FIFTH THIRD requested a copy of my credit report on XXXX XXXX and XXXX XXXX 2016. I mailed them a letter requesting a copy of a written document giving them permission to do so. They have not responded
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX  have placed an inquiry on my EXPERIAN credit file dated XX/XX/2020. On multiple occasions I requested XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do so.
Product: Credit reporting or other personal consumer reports

This account has been reported inaccurately and hurting ability to obtain credit please remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached copies of my file from XX/XX/XXXX and XX/XX/XXXX of this year. XXXX XXXX had reported the account as being 30 days late one time in XX/XX/XXXX ( on the XX/XX/XXXX report ). But as you can see on the XX/XX/XXXX report, the account now shows a series of delinquency from XXXX through present with the existing status of 120 days delinquent. The report date of the item in question is XX/XX/XXXX and XX/XX/XXXX respectively. 

I disputed this with the bureaus who sent it to XXXX XXXX. XXXX XXXX   provided the attached letter indicating that indeed the account was only late in XXXX and that is how they reported it to the bureaus. 

I spoke to a credit bureau representative who provided the standard : " We are not arbitrators. If XXXX XXXX sends us the data, we report it ''. 

I am stuck in a loop on this. The error ( either at XXXX XXXX XXXX  reporting or on the bureau level ) is costing me thousands of dollars in financing fees.
Product: Credit card or prepaid card

Discover has decreased my line of credit. I have paid off my balance and only missed one payment by 5 days. And my account went from {$11000.00} of available credit to {$1500.00}. As a customer for 3 years I feel discriminated within the use of fair credit reporting act and mistreated by a company that just reached out to me about a line of credit for my XXXX XXXX agency. It was very unprofessional to decrease a line of credit to worsen someones score who has been faithful and paid back efficiently. Discovers service is unacceptable.
Product: Debt collection

Weltman , Weinberg & Reis Co. of XXXX Ohio received a judgement against me in XXXX Court for a credit card I was unable to pay on because I became XXXX. As of XXXX XXXX, 2016 they have tried to hold/attach my social security XXXX check & my husband 's social security money direct deposited into our joint bank account via the court system. I never even received notice of this latest hearing. Just a notice from the courts that it was done. 
I know the money in the joint checking was tried to put on hold cause my bank contacted me. They did hold the money in the joint savings account, which was a small amount transferred for end of month expenses via the regular joint checking. 
So now, we are faced with the point where Weltman , Weinberg & Reis will try to hold our social security money every month if they want to.
Product: Mortgage

Citizens Bank XXXX XXXX XXXX, PA and their attorney has refused to provide information to resolve issues of payment of mortgage and has more then doubled amount owed. They have refused to respond to calls, emails to resolve. I have had the catch up money and they have refused to provide amount of money owed, justification, or accept funds to bring mortgage current and carried this out to double the funds owed on the amount. They are scamming people for financial gain and additionally lying about their practices and what they have done and stated. Need help asap. Thank you. They have avoided and refused to take payment and have lied the entire way through. Contacted an attorney to assist. His was response was that he has hundreds of this situation and the bank does not want the money, they want the house because they feels its worth more than what is owed on the home. Each bank department puts you on hold and transfers you to other departments, which no one has an answer to the case or why no one had a number to bring the mortgage current. They decided to hire an attorney instead and refused to speak to their customer. The attorney is a debt collector who additionally refused to work with customer. I have offered the {$5800.00} to cure the account, bring it current and adding autopay here out, and they refused the money. They are scam artists and are robbing their customers. This includes the bank and their hired attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Conns account on my collections. I made a payment to settle the account in XXXX. The company sent me letters confirming. I made a dispute and neither Conns nor XXXX will fix the error on my report. 

They are also not reporting the correct amiunts for my student loans. They randomly grabbed a number out of thin air. 

Neither account will change. 
Also EVERY couple of day Conns put a new remark on my account after the last payment was made. Months after that payment was made to be exact. This made my credit drop like 100 points even after the last payment was made. They updated my account with wrong information Every 2 to 3 days for months. I also made payments three months prior to the last payment for the full settlement. This included two payments in XXXX. I sent all documents confirming that to all three : XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Student loan

I have federal student loans with Aidvantage. On XX/XX/2023, I submitted payment via my online account with Aidvantage to fulfill my monthly payment requirement. I received an email from Aidvantage on XX/XX/2023 confirming my payment was made. On XX/XX/2023, I received an email from Aidvantage stating my payment had been posted on my account. The funds were never withdrawn from my bank account. On XX/XX/2023, I logged into my Aidvantage account to inquire what was happening with my prior payment. My account shows there is a payment overdue despite both the email confirmations from Aidvantage that I made payment and my payment had posted to my account. In the " Payment History '' section of my account, it shows " Payment Reversal '' on XX/XX/2023. I never received any notice my payment had been reversed. I check multiple times that I entered my bank account information correctly and have confirmed the bank information I uploaded to my Aidvantage account is accurate. I attempted to contact Aidvantage on XX/XX/2023 and XX/XX/2023 to inquire what the issue was and why my payment did not post. I can not get through to anyone despite being on hold for hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed late payments on my capital one credit card. Capital one removed the entire tradeline from all three credit reporting agencies
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S.Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities withfairness, impartiality, and a respect for the consumers right to privacy. Im exercising thisright under the code. Please see the following information is handled with the utmostfairness, impartiality and respect for my right to privacy. For the record, Im the one whosinitiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dontget why youre claiming these are fraudulent or of a high risk nature. The documents Iveprovided are legit. These are mine, filed with the appropriate agencies & support myposition. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwiseprovided in this section, a consumer reporting agency shall block the reporting of anyinformation in the file of a consumer that the consumer identifies as information thatresulted from an alleged identity theft, not later than 4 business days after the date ofreceipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copyof 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 information relating to anytransaction by the consumer. In your previous correspondence you mentioned that myidentity theft report needed to be filed with a law enforcement agency which subjects tocriminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A lawenforcement agency. My FTC Report # is XXXX, XXXX. I dont think you havereviewed the documents submitted & are sending me frivolous boiler plate responses todeflect from your responsibility to comply with FCRA laws. Furthermore, you have failed toprovide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advisedthat under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE allinformation which can not be verified. Again, under 617 Civil liability for negligentnoncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply withany requirement imposed under this title with respect to any consumer is liable to thatconsumer in an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce anyliability under this section, the costs of the action together with reasonable attorneys fees asdetermined by the court. 
XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card

I received {$29.00} annual service fee for a credit card I do not use. I did not receive any emails or mail in regards to this fee and it went unpaid for two months. The moment I checked my account and saw the late payment I paid it the same day. I called Bank of America and an associate said after a payment is posted to my account I can call back and get the derogatory mark on my credit report reversed and removed. After the payment posted I called back and an associate said I can not reverse the derogatory that now shows up on my credit report. Now I lost XXXX points on on my credit score for a charge I did n't know occurred on a card I do n't use. I immediately cancelled the card because paying my late annual service fee did not help me on a card I do n't use.
Product: Credit card or prepaid card

My name is XXXX XXXX I have a prepaid Bank of America debit card through EDD I filed a claim with fraudulent charges sold XXXX and some change the claim was found in my favor 100 % the letter received says that my deposit will be permanent not provisional and that it shall be deposited immediately I filed the complaint XX/XX/XXXX it was resolved in my favorite XX/XX/XXXX this is all in 2021 today XX/XX/XXXX I have yet to receive the immediate deposit Bank of America associates seen not to know why I have no answers for me and will not transfer me to authority who can have my funds put into my account they have lied to me on numerous occasions that there's no superiors that there's no management they have told me three working days days after it was resolved my friends should be deposited they have not here now XX/XX/2021 they have no more access to my account so they say they can get their story straight all I want is the money that is due to me and they can not provide that to me at all whatsoever with no answers at all whatsoever I was under the assumption that immediate meant immediately like right away but evidently they don't know the meaning of the word immediate I have yet to receive any funds the customer service is horrible they talk over me they don't listen to me they think of every excuse but pay me
Product: Credit card or prepaid card

Discount Tire displays promotional financing on their direct web page through Synchrony Bank. The ad promotes 6,9,12 months interest free. The interest free feature is what compelled me to apply for the account. Being a XXXX XXXX I naturally track my credit which is in excellent condition with top tier XXXX  scores.When the card came in the mail with the legal terms & conditions I was confused that the offer provided to me was just 6 months with an APR of 29.99 %. It took some time to find the contact number for them which I never located on the paperwork they mailed with the card. After locating it on the home page I spoke to a rep. I explained that I had {$2500.00} in merchandise currently on order with my local Discount Tire store. I let them know I had applied for & wanted the 12, not the 6 month no interest offer shown. I also expressed my concern for the high APR & asked if that could be re-negotiated based on my credit profile. Without any clear answers, direction or resolution provided from the call attempt ; I had them cancel the account under concerns that it has questionable predatory pricing with no transparency to it's terms & conditions. The best they could offer was once I start spending on the card they can provide the no intrest term lenght & no comments on the APR it is based off of.
Product: Debt collection

SYNB/XXXX  XXXX or XXXX appears on my credit reports as a " Charge-off '' account. However, the {$670.00} charged-off amount consists of a {$180.00} fraudulent expense along with {$490.00} of late fees. This fraudulent expense appeared on a XXXX account, which I never opened, and for the expense to " XXXX XXXX '', which is XXXX XXXX 's wife from the cartoon. I have disputed this at least once per year. The Synchrony Bank has written off the expense and closed the account that I never open, but the {$670.00} expense appears on my credit reports as a charge-off and unreconciled. As a result, the credit score for each agency is XXXX points less. This has led to me not being able to get the best mortgage rate causing {$100.00} 's more per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN PUBLIC RECORD FRAUDULENT INFORMATION USBKPT CT MO XXXX XXXX XX/XX/2012
Product: Checking or savings account

I bank with M & T Bank. My boyfriend banks with XXXX XXXX XXXX. He added my bank to do an external transfer to my bank. Later on that week I went into my bank branch to withdrawal the money out of my bank. I wasnt able to do so because my bank labeled it as fraud and blocked my account. They said they were going to look into it. So, I get a phone call from my bank a week later stating that I may have to file a dispute or have my boyfriend contact his bank to see if they can return the money to his account. Im not sure if him contacting his bank will do any justice. He has all the proof to show that this isnt anything fraudulent.
Product: Debt collection

I have contacted this company on several occasions to send me validation of the debt for a medical bill, and they have failed to do so of any signature. I have also contacted them to let them know that I never signed any paperwork releasing my medical records. Which is a HIPAA violation. They refused to work with me so I than contacted XXXX to get this debt removed, and sent a certified letter letting XXXX know that this a HIPAA violation because I never signed any paperwork releasing any of my medical information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the TransUnion end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : DEPT OF ED XX/XX/XXXX
Product: Debt collection

I made a settlement agreement with account control technology for {$20000.00} On XX/XX/XXXX they send a written statement on XX/XX/XXXX They called me again at the beginning of XX/XX/XXXX to tell me that the principal amount had changed to {$16000.00} and if I wanted a new settlement I agreed and the change in the amount equals the amount of the first offset {$3800.00} The new settlement came in at {$12000.00} Then there was another offset of {$5300.00} they refuse to credit this offset to the last settlement agreement argued that it went to principal and fees when we had an agreement in place
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report an inaccurate and unverifiable bankruptcy even after I sent them a FTC identity theft report and official letter from the US Bankruptcy Court stating that they did not report the record to the credit bureau which means it cant be legally verified
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$920.00}
Product: Credit reporting

I have alot of accounts of my credit files that are 7 years of better on my file
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to rectify fraudulent items on my credit report. The purpose of this letter is to register a formal complaint against the persistent presence of fraudulent entries in my credit report. 

I have repeatedly submitted disputes, providing evidence and documentation to support my claim of fraudulent activity on my credit report. Despite my continued efforts, the fraudulent items persist, causing significant distress and compromising my financial reputation. 

The fraudulent items in question includes inaccurate address and inquiries.. I have attached copies of the supporting documents that clearly demonstrate the fraudulent nature of these entries and verify my claim. 

Despite these efforts, the fraudulent items continue to tarnish my credit report, posing a significant threat to my financial well-being. I am particularly concerned about the potential long-term consequences, including but not limited to identity theft and unauthorized financial transactions. 

I urgently request that you conduct a thorough investigation into the fraudulent items on my credit report and take immediate action to remove them. Additionally, I expect a written response detailing the results of your investigation within the statutory timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). 

The persistence of these fraudulent entries not only undermines the integrity of my credit report but also jeopardizes my financial security. I trust that you will prioritize this matter and take the necessary steps to rectify the situation promptly. 

If my concerns are not addressed satisfactorily, I am prepared to explore all available legal remedies to ensure the removal of the fraudulent items and seek compensation for any damages incurred as a result of these inaccuracies. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX