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

Hello! My name is XXXX XXXX. On XX/XX/2018, because of a misunderstanding and non-professionalism of an employee at XXXX XXXX store in XXXX, XXXX XXXX XXXX, an unauthorized credit check was conducted on my report. Immediately after that happened, I contacted XXXX XXXX and XXXX XXXX, as well as I, opened two disputes at Equifax ( First : XXXX, Second : XXXX, there were even third and fourth ... ).

Later, on XX/XX/2018, after a proper investigation conducted by XXXX XXXX specialists, THE BANK HAS AGREED THAT IT WAS A MISTAKE and the bank has AGREED TO REMOVE that credit query from my history ( to change the status of it from hard inquiry to a soft inquiry ). They are supposed to contact Equifax with all information. In addition, they already sent 3 letters to me confirming this decision ( Letter from XX/XX/XXXX, Letter from XX/XX/XXXX, Letter from XX/XX/XXXX ). The bank specialist told me that it could take up to 6 weeks for a credit check to be removed from my history. I waited more then a months after each letter. I do monitor my credit history regularly, and surprisingly the hard check is still in my account. I even requested 2 copies of my annual credit report from Equifax.

Very upset about that situation and I feel like there is no other way like contact you and ask for a help. This inquiry reflected only in Equifax account. Other reporting agencies already removed everything, pretty quickly. Equifax claims that XXXX didn't send them any request about this change. However, XXXX   and XXXX received everything and removed wrong information.

Thank you. I hope you would be able to help me.
Product: Vehicle loan or lease

I had a settlement offer and I was unable to make the full payment by the designated date. I called in and spoke with someone on XXXX and asked to either submit a new offer or get the previous one extended. They advised that they would extend the settlement until the end of XXXX but have refused to provide me a letter showing the agreement and terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently requested my credit report from the following credit reporting bureaus ( Equifax, XXXX, XXXX ). My first request was made on XX/XX/2021, I didn't receive a response from any of the following bureaus after the 30 Day waiting period. I included all my personal identificaton forms which they can use to be helpful to verify my identity. After the 30 day waiting period, I then requested for my credit report again through certified mail. I sent out the documents for request on XX/XX/2021, as of today XX/XX/2021 I have only received a report from Equifax still waiting on my other two reports from XXXX, & XXXX. I've been monitoring my report through XXXX XXXX & I noticed accounts in collections which I didn't recognize. Which made me very frustrated, so I decided to sent them a letter of validation the same time I sent the Credit Bureaus Report Request. After a 30 day wait period I still didn't hear a word from neither of them. I then decided to send the bureaus a letter of dispute to dispute those errors from my account, since the creditors have failed to validate those accounts after my validation letter within the 30 day window I requested them to comply with. And then I only receive that one letter from Equifax with a full summary of my credit report and verifying those accounts I disputed. Which in all sense frustrates me because I know they didn't do a thorough investigation, since the creditors never responded to my request. And I have all this traced through certified mail, I still have all of my receipts for the record. Can I potentially file a claim against both bureaus and creditor for this fraud?
Product: Debt collection

I have recently been informed that there is negative information reported by XXXX XXXX XXXX. Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$910.00}. *Please note this account has been removed from my XXXX credit file* I challenge the accuracy, compliance and reportability of this listing. 
XXXX XXXX XXXX has yet to 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 my credit file.

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 : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, I am writing to formally dispute a negative item currently reporting on my TransUnion credit report. This negative account does not belong to me, and I believe it was fraudulently reported due to identity theft.

Pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be blocked from my credit report as the result of identity theft. FCRA Section 605C entitles me to have all information related to this fraudulent item blocked from my credit report once I provide proof that the debt is the result of identity theft. 

Disputed Account Details : Account Name : DEPT OF THE TREASURY Amount : {$1400.00} Date Reported : XXXX. XXXX, XXXX  Enclosures for Verification : Action Requested : Under FCRA Section 605C, I formally request that TransUnion immediately block this fraudulent account from my credit report and ensure that it is no longer reported by any data furnishers. Please conduct a thorough investigation and remove this account permanently from my file.

Additionally, I request that I be notified in writing once this item has been removed and receive a new copy of my credit report reflecting these changes.

I trust you will handle this matter with urgency and respect for my rights under the FCRA. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit card

I purchased a laptop using my credit card issued by the store. I was told i will receive the following promotions with my purchase. 
XXXX $ promotional certificate, XXXX rewards points for using credit card, XXXX $ promotional certificate I only received the XXXX $ promotional certificate. Didnt receive the rewards points or the other certificate. I was able to see the points in the rewards history but it wasnt getting shown in the balance for me to redeem. Tried calling the store and credit card company multiple times spending more than 25 hrs total. The customer service kept telling me that the will escalate the issue but the next time i call its a different agent and again tells me they will escalate. This went in an endless loop. 
Finally i decided to close the account and file a complaint.
Product: Credit card

On XX/XX/XXXX, I was asked to sign a credit card authorization for XXXX XXXX XXXX by XXXX XXXX before they came to my condo. ( attached as Credit Card letter ). The workers subsequently came to my condo and removed several already packed boxes, some chairs and XXXX bicycles using their personal vehicles because the promised truck never came. I was told I would receive an invoice and a receipt for my personal property. I never received either one. They should have charged my card approximately {$400.00}. 

On XX/XX/XXXX, my Barclays Jet Blue Master Card was charged {$6900.00} by XXXX XXXX. I immediately got on the phone to find out what happened. XXXX said they would look into it. I disputed the charge with Barclays and received a letter dated XX/XX/XXXX, from Barclays saying my dispute was acknowledged. ( attached as Barclays letter 1 ). I subsequently received two emails from XXXX XXXX saying in the first that the {$6900.00} charge would be reversed and saying in the second that charge reversal has already been put through. ( attached as email 1 and email 2 ). I sent the first email to Barclays and received a letter saying that the charge would be reversed. 

Without any further contact with Barclays, I received another letter dated XX/XX/XXXX, that the charge was being reinstated because I was advising Barclays that I was no longer disputing the charge, which was a total fabrication. The letter also said that the charge in question was {$6400.00} and not {$6900.00}. ( attached as Barclays letter 2 ). 

I then sent a lengthy letter to Barclays along with attachments disputing what was said in their XX/XX/XXXX letter. I received a letter from Barclays dated XX/XX/XXXX ( attached as XXXX letter 3 ), which contained three more false statements.

1. We are outside of the permitted timeframes to continue this claim through the dispute process Yet as you can see by the above my dispute was submitted well within the 60-day time frame as described in Barclays monthly statements. Also, they do not tell how I could continue my claim. 

2. We were not provided with sufficient proof that the merchant has agreed to refund the account I did however provide them with copies of both XXXX emails wherein they say that they agreed that the {$6900.00} charge should be reversed. 

3. Services were rendered and the merchant is due payment Despite letters, emails and phone calls to both Barclays and XXXX I was never provided with a written invoice of exactly what pack out services were rendered. 

The letter also repeats the wrong charge number of {$6400.00} and not the actual disputed charge of {$6900.00}. 

I have offered Barclays either mediation or arbitration to settle this claim but being that they have neither the facts nor the law on their side they declined both. 

Please also note that I am XXXX XXXX XXXX and XXXX  citizens should not be subjected to this type of abuse by their credit card providers.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX  sbnaselflndr loan has been taken out in my name I didnt take it out or receive any loan or payment to confirm it was me and it says a new account was opened in my name I didnt open any account
Product: Mortgage

From the onset of Roundpoint mortgage purchasing my loan there has been continued efforts on the company 's part to attempt to get me, the homeowner, to pay sooner than is required. There is a 15 day grace period on the loan. This is common practice and is stated on the mortgage statement. However, Roundpoint sends a letter each month on the XXXX or XXXX day of the month stating the mortgage is late, even though it is paid within the 15 days allowed. They also send the mortgage statement out prior to the final day to pay, which is the XXXX, and this bill suggests the mortgage is over due or late. So the bill which should state {$3400.00} instead says {$6800.00}. All these letters and statements are intentionally written to be deceptive. It also puts pressure on home owners to pay earlier than is required. This pressure is unfair to the consumers and if successful is a huge financial benefit to the company. This behavior is predatory, and unethical, if not illegal. In addition to pressuring homeowners to pay early, XXXX failed to pay the house insurance on time. This put the house at risk. I have never experienced such unethical behavior in a mortgage company. I have owned 7 houses, and currently own 3. I have never had such a problematic mortgage company. They should be investigated and sited for unfairly pressuring homeowners to pay early.
Product: Credit reporting or other personal consumer reports

I had an account with XXXX XXXX for a personal loan that closed with an remaining balance. I totaled my XXXX XXXX XXXX XXXX and XXXX XXXX used the pay off of vehicle equity to pay off the remainder of the vehicle and also used the payoff the personal loan unrelated balance. Both said balances were stated to be cleared and XXXX with no negative reporting. I received a credit alert on XX/XX/XXXX stating a significant score drop from XXXX XXXX adding a {$8.00} charge off for the personal loan and reporting the account negative. I reached out to XXXX XXXX on XXXX and spoke wiith XXXX XXXX and reported the issue who stated the account was reported in error. I am asking the account to be removed from my credit report as I am in the process of purchasing a home and the negative item iis causing great impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has incorrect info on my report. They have someone else 's name, not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX
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 XXXXXXXX Date Opened : XX/XX/XXXX Balance $ XXXX Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance {$6800.00} Chargeoff XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance $ XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$0.00} Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance {$2300.00} Chargeoff XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Balance {$0.00} late closed XXXXXXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance {$6100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I am writing to formally file a complaint against US Bank regarding their failure to properly credit my escrow payment after I submitted a payoff of {$1800.00} to cover an escrow shortfall on XX/XX/year>. It has been XXXX days since the payment was made, and the funds have still not been applied to my escrow account, even though I was told this would be resolved within a few days. The payment is now due in XXXX  days, and I am concerned that this delay may result in late fees, penalties, or missed payments for property taxes and homeowners ' insurance. 

Despite multiple attempts to resolve this matter through phone calls and chat with the bank 's customer service team, I have not received a clear explanation or resolution. Each time I contact them, they say they have received payment and the properly signed form. I am told that the monthly payment amount will be updated by a certain date, but when that date rolls around, the change has not been made and I am given another date in the next few days. The delay is ongoing and I am at risk of additional financial hard due to the bank 's failure to promptly process this payment. 

I contact the bank a few days after the payoff via chat, then again via chat a few days later. I called on the XXXX, the XXXX, and the XXXX. The dates I was given for completion have been the XXXX, the XXXX, and the XXXX. As of the writing of this complaint, the incorrect payment amount is still showing on my account. 

The monthly payment amount is currently showing as if we still have not made the FULL payment of the shortfall. The amount we are expecting reflects FULL payment. IT SHOULD BE {$4700.00}, but currently reads {$4800.00}.
Product: Payday loan, title loan, or personal loan

Took out a short term loan with XXXX in XXXX, Ohio who sent it to NCP finance. The initial amount of finance charge is not what I'm paying now. I took a XXXX loan out in XX/XX/XXXX and first payment was due on XX/XX/XXXX for the payoff amount of XXXX. I was talked into refinancing the loan for a finance fee of XXXX in which they refinanced it with NCP for a payment due on XX/XX/XXXX. When i called back on XX/XX/XXXX the payoff had increased to XXXX. pay off with a refinance fee of XXXX to refinance a XXXX loan. I had no choice but to due it again. The same thing just occured for XX/XX/XXXX. 
That means for a XXXX loan in XX/XX/XXXX I have paid interest on a XXXX loan of XXXX. This is loan sharking and OHIO Chapter XXXX : SMALL LOANS.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 - {$400.00} - I was scammed out of {$400.00} by a scammer selling football tickets. The payment for the tickets went through the digital payment service called XXXX/XXXX directly through my banks app - JP Morgan Chase- It was a complete scam ... the tickets and person apparently did not exist. I immediately, as in within the hour of occurrence, contacted the bank ( Chase ) and they said since it appears I authorized it, they will not or can not refund my money. I even opened a claim and the bank closed my claim ; will not refund or make any adjustment to my account.
Product: Credit reporting, credit repair services, 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 # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXXXXXX XXXX  # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit card

Prior to XXXX XXXX, 2016, I had a balance of {$11000.00} on my BOA XXXX credit card. 
On XXXX XXXX, 2016, I paid BOA {$11000.00} to clear my balance to XXXX. 
On XXXX XXXX, 2016, BOA charged me {$84.00} in interest. 
I object to this {$84.00} because my balance was XXXX out eight days prior to this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I called all three credit Bureaus regarding the inquiries thats been reporting on my credit report. I informed them that Ive contacted the companies and that they aggressively to remove them but hasnt the credit bureaus transfer me to the fraud department and I was told that the matter would be taken care of and now I still see these inquiries on my report including more. Ive been trying to get a Mortgage loan and when I see my report I see more inquiries reporting on my credit from this year XXXX. I have the MyFICO app which told me that my personal information is on the desk web. The inquiries thats listed on XXXX : is XXXX XXXX  XXXX XXXX and XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TRANSUNION Inquiries : 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  XX/XX/XXXX sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have submitted letters to each bureau listed above proving the inaccuracies on my report via certified mail. Be advised that I have received a computer-generated letter stating that I have ceased investigation of my credit reports because they believe I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on their part to grant them an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 ( above listed bureaus ) 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 their company and me.
Product: Debt collection

I have been disputing this account with Hunter Warfield for the amount of XXXX since XX/XX/year>. I have no acknowledgement of this account and have repeatedly requested debt validation from this collection agency.