23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2023 I mad an autopay of {$25.00} then on the same day I made a payment to satisfy the entire statement balance. By the terms of the credit agreement I should not have been charged a finance charge but on XX/XX/2023 I was charged {$39.00} in interest. I spoke to XXXX on XX/XX/2023 to ask about a credit since I had paid in full, I was told that I made the payment after the XXXX eastern time cut off, I was late by about 8 minutes apparently. I spoke to XXXX a supervisor when XXXX could not assist. XXXX said that it was a valid charge and it would not be fair to provide a courtesy rebate.
Product: Debt collection

I received a call from XXXX XXXX XXXX for XXXX XXXX  pay day loan XXXX was the rep I spoke with he did n't state that he was trying to collect on a debt or that the call was recorded he offered me a did on the acct I said I could n't do anything until XX/XX/XXXX and he stated the company was n't going to wait that long that they litigate XXXX all the time and that 's what is going to happen they will use me for the acct said he was going to put that I refused to pay.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e .

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing.

I believe these remarks do not reflect my current commitment and responsibility toward my financial obligations.

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report.

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within a reasonable timeframe, such as 3 days from the date of this letter.

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

XXXX XXXX XXXX Update status on dates followed to current status/paid as agreed. 

Dates XXXX XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
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 confidentially under 15 U.S.C. 1681. 

Account Name : //Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ACCOUNTS HAVE VIOLATED MY RIGHTS... 
15U.S.C. 1681 SECTION 602A. STATES ; I have a right to privacy.

15U.S.C. 1681 SECTION 604A SECTION 2. States ; A Consumer reporting Agent can not furnish an account without my written instructions.

15U.S.C. 1681c. ( a ) ( 5 ) states ; no Consumer Reporting Agent may make any Consumer Reporting Containing any of the following items of records of any information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C. 1681s-2 ( A ) ( 1 ) states ; a person shall not furnish any information relating to a Consumer Reporting Agency if the person knows or has any reason to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act by mentioning my incorrect residential address XXXX XXXX XXXX XXXX, XXXXXXXX KS XXXXXXXX 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
Product: Checking or savings account

I currently do not have any overdraft feature with my account however im constantly finding my checking account balance in the negatives. Any transaction I complete must have available funds present for it to go thru. I feel Like Im being hit with overdrafts that cant be explained to me. Ive proven that i had An available balance for each transaction yet no one can explain why my account is overdrawn. Its seeming to only happen on the day that scheduled to get paid each week via direct deposit. This bank is stealing money from me in small increments today XX/XX/XXXX My account was overdrawn by {$20.00} I wake up on XX/XX/XXXX to my account now being overdrawn by {$60.00} NO EXPLANATION i also Transferred money from XXXX XXXX  to Chase to cover transactions that Chase is reflecting to have been paid out and caused overdraft
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account XXXX XXXXXXXX, has violated my rights. 15USC 1681-602A states I have the right to privacy. 15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be. deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not included This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX. ) Account Name : XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX ) Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX ) Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account Number : 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/year>, I attempted to open a dispute online with XXXX XXXX  regarding a charge from XXXX XXXX XXXX XXXX in the amount of {$120.00} debited from my account around XX/XX/year>. I was prompted to contact my bank at phone XXXX to open the dispute for the charge. I called number provided on XX/XX/year> at XXXX and was connected to XXXX XXXX in the Disputes and Investigations Department, XXXX IL location. I advised XXXX of the situation with the charge and requested a chargeback. XXXX stated she would not open a dispute for the chargeback and to contact the merchant for assistance regarding a refund. I advised I had already attempted to contact the merchant on XXXX separate dates ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ) and had been unsuccessful in reaching the merchant. I advised that the merchant did not have any contact information ( phone, address, etc. ) other than an email address and that I had not received a response from the merchant. XXXX stated she was unable to assist with opening the dispute and to contact the XXXX XXXX XXXX  to report the merchant. XXXX stated that it was the XXXX  's job to help recover funds. I requested agent 's number, call reference number, supervisor name, bank contact information ( address ), and any form of written record that I made this request and that Discover bank was refusing dispute/chargeback request. XXXX stated the call was recorded and that she was unable to provide any additional information except her name, department, and that she was located in XXXX, IL, and callback number XXXX.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To begin with, XXXX and TransUnion is still giving me a hard time in regards to them not allowing for me to dispute my average credit score at all. Last year I tried to dispute my Average Credit Score with XXXX and TransUnion without the desired results. Despite the fact that I have a debt free credit report, XXXX and TransUnion is still punishing me for it by keeping my score Average and not bumping it up to Excellent. Overall, they need to allow for average and bad credit scores to be disputed and to allow for everyone to communicate with them more easily.
Product: Credit reporting or other personal consumer reports

Experian is reporting incorrect addresses on my credit file. Ive attempted numerous times to explain that those addresses arent mines. Ive mailed over XXXX letters with my correct address and they still fail to update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans and they were defaulted because of a car wreck I was in. My family and I were hit by a drunk driver, resulting in a death of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid  9  consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised.     There shows  one  loan  that Navient has told  me would be removed and it has yet to be removed I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..
Product: Credit reporting

In XX/XX/XXXX I had ID theft. Someone filed my taxes and received the funds. I have since found addresses, accounts and received mail that is not mine but, is in my social and date of breath. Information on car from XX/XX/XXXX till XX/XX/XXXX. I am sent a security pin to use for filing taxes now. It was verified by IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXXXXXX Balance : {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX report Ally XXXX loan opened on XX/XX/XXXX and Closed XXXX. I strongly believe that this is an identity theft and I had no connection with above installment loan. I disputed inaccurate information with above companies ; however, I did not receive any satisfactory answer. The only information they have provided is to add a statement on my report. They did not provide information about how they verified the info, what are the sources.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get the late payments reversed on this account! I am very upset that I have NEVER missed a payment. I need this adverse action removed from my credit report as I am an investor and this is causing headache to get approved from banks as I never miss my payments! Please remove it IMMEDIATELY. I have attached a bank statement and my identity proving me as the right person, and that I have always paid my payments on time. Thank you XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SC XXXX Phone : XXXX XXXX  XXXX  Experian Account # XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have a partial account number which I will disclose later. I request my credit report and through it I learned there is a fraudulent loan reporting on the credit bureaus without my knowledge and authorization. The company that shows for is XXXX and claims that I am indebted to them {$5600.00}. While checking the credit report, I discovered this loan account was opened on XX/XX/2020 and the charges are still on-going with charge-off balance. This amount that is stating on my credit report and the loan account does not belong to me. I conducted some investigation and it led me to conclude that my personal information has been compromised because this is the work of an identity thief ( s ). I have never associated with this financial institution which bring me to the conclusion that my identity was used by unknown individuals that used and benefitted from services or good and monies on my behalf without my knowledge and consent. I have disputed the account with the creditor and with the credit reporting agency that this account is not mine and I am not associated with them. Yet, they refuse to take any action that of removing the fraudulent account from my credit report and my records entirely. This complaint today is being filed with the CFPB to inform the negligence of duty by the credit bureaus and the creditor as well. I have filed for an immediate block of this fraudulent account immediately upon learning of the existence of this account. Therefore, with this official complaint, I request from you federal agency to take an immediate action against the credit bureaus and the creditor as well to immediately initiate the block process to remove this fraudulent account permanently from my credit report and from my records. Additionally, the creditor must remove my personal information from their databases due to consumer privacy matter. I do not want my personal information to be shared with an unknown entity without my knowledge and permission.
Product: Credit card or prepaid card

Capital One Platinum Due Date : XX/XX/XXXX Payment attempted XX/XX/XXXX via phone app.approx XXXX EST Informed payment would not post until XX/XX/XXXX because it was XXXX EST Capital One Customer Service called XXXX ( phone record ) but reached no one until XXXX Informed that " late fee '' would be incurred because it was after XXXX EST even though statement states as well as computer generated phone inquiry states due date as " XX/XX/XXXX '' without mention of ANY cutoff time.

Was informed that I could call back today re : late fee and ask about it being waived which I did. Was informed that a credit of {$25.00} would be returned to my card in 3-5 business days.

Capitol One representative could not confirm or deny if regardless of waiver, credit reporting agencies would be alerted.

Very upset by this as all consumers should be. The payment time should not be at the convenience of the company who is using an arbitrary number " within that same day '' as but one more way to collect a fee for revenue purposes. If the statement says a particular date, the consumer needs the assurance that as long as their payment obligation IS made and posted between the hours of XXXX  and XXXX on the designated " due by date, '' no late fee should be leveled.
Product: Credit card or prepaid card

Synchrony Bank without notice closed my XXXX account on XX/XX/XXXX. The account has been active since XXXX with an excellent history. With the recent Pandemic I have not used the card regularly over the last XXXX years ; however, was planing to use in the next month. 
I called on Synchrony Bank on XX/XX/XXXX when reviewing my credit wise and credit karma accounts, since my available credit decreased. I have XXXX accounts with Synchrony Bank, XXXX, XXXXXXXX XXXX XXXX All have exceptional history. They did the same thing with my XXXX XXXX  account and I reopened the line. This causes me additional inquires and lost history, which both are a detriment to my credit history. I received no written or verbal notice of the intention, required action, which is bad business. I asked for the account to be reopened since I was within 30 days of noticing. the representative stated that I would need to reapply. I asked to speak with a supervisor, after XXXX minutes of hold time I decided to proceed with this complanint.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint again to request that the listed which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Mortgage

I have been trying to resolve my home loan for the last 3 years without result. I have paid extra on my loan for the past 11 years and was under the impression that I would have paid it off by now, but instead they have continued to surprise me by charging more and more each year. The previous lender filed for bankruptcy and beginning XX/XX/XXXX I noticed payments werent posting correctly. I have called and called and faxed and submitted online review requests multiple times with different answers each time. The current lender Shellpoint-division of Newrez has additionally added {$4500.00} on XX/XX/XXXX to my principal balance, supposed fees from Bankrupt fees. I have neither authorized or ever filed for bankruptcy in my life. Upon pressure I was told it was previous fees not posted correctly. I requested a payment history and review to which upon review has many years of payment history missing and has multiple prior service cost assess and unapplied payments on the ledger. I have called and been told to write a dispute and I have multiple times-on XX/XX/XXXX after review of paperwork received and finding of charges imposed without authorization I sent another request of review to what they returned the response that they had already sent a response and to refer to the letter dated XXXX. This is a nightmare and a never ending loop of payments after payments without end for almost 20 years.
Product: Credit reporting or other personal consumer reports

I am a victim of identity, fraud identity theft, misrepresentation and theft by deception and unauthorized use of credit I reported to all agencies about the unauthorized use of my credit the list includes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/2023 JPMCB CARD SERVICES Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX  Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 JPMCB CARD SERVICES Inquirv : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX Inquiry : XX/XX/2023 I lost my wallet with my State Identification card in it. On XX/XX/242023 I noticed an inquiry on my credit report from XXXX XXXX XXXX XXXX This information was reported without my knowledge or consent. I am a victim of identity theft and fraud as have filed a police report with the FTC under report number XXXX. These Companies has violated the Fair Credit Reporting Act by reporting information that is false or known to be false. They ignored the fraud alert on my profile thus violating my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602A states that I have a right to privacy.

15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my when instructions.