23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My information has been exposed in the XXXX data breach. The following accounts, and inquiries XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXXXXXX XXXX Balance {$2400.00} XXXX XXXX Balance {$4800.00} XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX, social is XXXX and I don't know the account number to the XXXX Bank of America card that I was supposed to receive because I've never received it yet it states on my claim that I've been paid a few times since then month of XX/XX/XXXX XX/XX/XXXX three payments show on the roster of activity I don't know where these payments have been made because I don't have a card that I received therefore I don't think I have an account please send me a card with the funds that were pending and or an answer to this question that I am asking where are the funds that I was paid according to the XXXX statement thank you my phone number is XXXX XXXX XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

ON THURSDAY X/XX/2017 I RECEIVED A DISPUTE RESULTS LETTER IN THE MAIL FROM EQUIFAX. I CONTACTED THE COMPANY BECAUSE OF THE CONFUSION THAT THEY HAD ON THE PAPER IT LISTED TWO ACCOUNTS WITH THE SAME ACCOUNT NUMBER ONE OF THE WAS DELETED BUT THE OTHER WAS NOT. I ALSO HAD TO HAVE A CONVERSATION WITH A REP BY THE NAME OF XXXX, A SUPERVISOR BY THE NAME OF XXXX AND A REP FROM THE " OFFICE OF CONSUMER AFFAIRS '' NAMED XXXX. I BEGAN TO ASK ABOUT THE VERIFICATIO PROCESS OF DISPUTES AND THIS IS WHAT I WAS TOLD. " THAT INFORMATION IS SENT ELECTRONCALLY AND WHATEVER THE CREDITOR SAYS THEY PUT T ON THE CREDIT REPORT '' I BEGAN TO ASK XXXX " SO EVEN IF THE ACCOUNT IF FRAUDULENT AND THAT CREDITOR SAYS ADD IT TO THEIR ACCOUNT YOU ALL JUST DO IT '' HER RESPONSE WAS YES!! SO I ASKED HER TO PLEASE TRANSFER ME TO A SUPERVISOR BECAUSE THIS INFORMATION COULD NOT BE RIGHT. WELL XXXX THE SUPERVISOR CONFIRMED THIS TO BE TRUE. THE DIFFERENCE S THAT XXXX WAS VERY APOLOGETIC AS IF SHE KNEW THAT WHAT THEY WERE DOING WAS WRONG BUT THAT SHE WAS JUST FOLLOWING THE RULES SET BEFORE THEM. THIS LADY KEPT APOLOGIZING TO ME. I FELT SORRY FOR HER SO I HUNG UP WITH HER AND CALLED BACK AND ASKED TO BE TRANSFERRED TO THE OFFICE OF CONSUMER AFFAIRS AND I WAS AND I SPOKE TO A GUY NAMED XXXX. HIS REPSONSE WAS " IT WILL VERIFY AS ACCURATE EVEN IF IT IS NOT ACCURATE '' THIS IS DISTURBING. FAST FORWARD TO ME HAVING TO CALL THEM AGAIN AND I GAVE THE REP MY CONFIRMATION NUMBER AND SHE LOOKED UP THE INFORMATION AND I ASKED HER IF A CERTAIN ACCOUNT WAS DELETED BECAUSE ACCORDING TO THE ACCOUNT NUMBERS IT SHOULD HAVE BEEN DELETED SO SHEWAS SNAPPY AND I ASKED HER TO TRANSFER ME TO HER SUPERVISOR AND SHE JUST LEFT ME ON HOLD. SO I CALLED BACK AND ASKED TO BE TRANSFERRED TO THE OFFICE OF CONSUMER AFFAIRS AND A GUY NAMED XXXX ANSWERED. I BEGAN TO TELL HIM HOW XXXX XXXX XXXX  SHOULD NOT STILL BE LISTED ON MY ACCOUNT BECAUSE THEY SENT OUT THE INFORMATION TO ME AND THEM TELLING ME THAT THEY HAD SENT THE CREDIT BUREAUS THE INFORMATIO TO DELETE THE FRAUDULENT ACCOUNT. SO I ASKED HIM ABOUT ANOTHER ACCOUNT THAT THEY SAY THEY " RESEARCHED AND SAID WAS MINE AND I ASKED HM WHAT WAS THE PROCESS AND HE TOLD ME THAT HE COULD NOT DISCLOSE THAT INFORMATION TO ME!!! NOW ON THE LETTER THAT EQUIFAX SENT ME IT SAYS THAT IF I REQUEST I WILL BE TOLD THE PROCEDURE OF VERIFICATION BUT CAL DENIED IT ALSO IT SAYS IN THE FCRA THAT I HAVE A RIGHT TO ASK AND RECEIVE NFORMATION ABOUT THE VERIFICATION METHOD. EQUIFAX HAS CONTINUED TO DENY MY RIGHTS AS WELL AS BREAK THE LAWS OF THE FCRA. I AM CONSIDERING MY LEGAL RIGHTS AT THIS TIME BECAUSE THINGS ARE NOT LINING UP AND SURELY NO AMOUNT OF MONEY IS WORTH EQUIFAX GOING AGAINST WHAT THE FCRA LAWS SAY. I WILL NOT CONTACT THIS COMPANY AGAIN BECAUSE I AM TIRED OF HEARING ALL OF THE THINGS THAT THEY ARE NOT DOING. THIS HAS GONE TO FAR. FCRA 611 GIVES ME THE RIGHT TO ASK AND KNOW ABOUT THE VERIFICATION. AND THE ONLY REASON I CAN THINK THAT THEY WILL NOT GIVE ME SUCH INFORMATION IS BECAUSE THEY REALLY DO NOT DO AN INVESTIGATION.
Product: Credit reporting or other personal consumer reports

Experian never did a proper investigation on none of my negative accounts reporting on my credit report, and reinstated every last one of them. Ive disputed ever last negative account in my report and they didnt do proper investigation and resubmitted them back onto my report.
Product: Payday loan, title loan, personal loan, or advance loan

I opened two loans ( in short period of time ) with XXXX XXXX. The First loan was on XX/XX/XXXX in the amount of {$10000.00}. Loan # XXXX then a second loan on XX/XX/XXXX in the amount of {$13000.00} ( loan # XXXX ). They ONLY deposited {$2600.00} into my bank account on XX/XX/XXXX because I was paying off the first loan. And receiving the difference. 

Well - I keep receiving notices of LATE payment on loan # XXXX. I talked with XXXX ( ID XXXX ) as well as her manager, XXXX on XXXX  and they both reassured me that the first loan was indeed PAID OFF so no payment is due/overdue. As of XX/XX/XXXX it still shows on my credit report that TWO loans are Open. I again called on XXXX and requested a PAY OFF letter proving that the first loan is PAID OFF. Today, instead of receiving the requested document, I received another LATE Payment Email ( attached ).
Product: Credit reporting or other personal consumer reports

I recently disputed with all XXXX bureaus this fraudulent XXXX XXXX account that was opened in XX/XX/year> that I recently discovered and shows XXXX different balances of {$5300.00} and {$4300.00} which does not belong to me. This account was removed from my all XXXX bureaus and then re-added to my XXXX Report. I have submitted my Identity Theft Report to all bureaus and this should not have been re-added to my report as this violates my rights under the FDCPA. This account is not proven to belong to me and in fact does not.
Product: Credit reporting or other personal consumer reports

Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Your Information : Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Credit Reporting AgenXXXX Name Experian XXXX XXXX XXXXXXXX Account Number XXXX XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Specifically, the charge-off listed under XXXX XXXX XXXXXXXX is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth.

2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the XXXXedit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute.

I believe the charge-off is inaccurate for the following reason ( s ) : This information must be verified and evidence of the investigation sent.

I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor Provid n
ot substantiate its accuracy, that it be removed from my credit report.

Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I returned a phone call from Portfolio Recovery XXXX who called multiple times within the last few weeks but never left a voicemail. I returned the call and realized it was Portfolio Recovery. The first representative I spoke to told me that my debt amount was {$3200.00}. I told the guy, if I am able to make a one time payment of {$1800.00} right now will you be able to delete the debt. He made me aware that because my account is in a judgement status, I normally can not make a settlement but that he will contact his Assistant Vice President which he did. He asked what I do for a living and I replied that I am a case management specialist ; he also asked why did i stop making payments on the debt in XXXX ; I replied becuase I was without a job and that I have sickle cell that has me in and out of jobs. He clicked over spoke to the other party and clicked back over and said that he was able to get the payment down to {$2400.00}. I replied no, I can do {$1800.00}. He responded ; Can you do {$1800.00} and make the remaining payments. I said no and that I will just send a dispute letter and start from there. He told me to hold on ; he came back to the phone and said that they will settle for {$1800.00} close out the account. I had the guy repeat what he said and I asked if this was being recoreded and which he replied yes. He proceeded to ask for my debit card number which i provided. In the mist of reading the disclaimer to me, he had me wait for approximately 25 minutes. After the money was removed from my bank account, the representative got on the phone and said they declined the {$1800.00} after taking the money out of my account. I needed reassurance so I asked " you all accepted the offer took the money out of my account then declined the offer and said that I can make payments which I did not agree to. '' The representative responded that they will refund me which will take a week. At this point I was provided false information and {$1800.00} was taken out of my account. The conversation ended. I called back and got a different representative and I asked, " if this call was being recorded '' and the response was yes. I asked to speak with a manager and they were able to get me to someone. I explained my situation and the response was if the debt is in judgment, there is typically no settlement for less. But they also said that I have a balance of {$2800.00}. At this point I was confused because I was given three different balances and was told that the settlement was for {$1800.00} after they took the money from my account and reneged on an agreement. I was then told that a complaint would be put in on my behalf because I couldn't put the complaint in myself. I was told that there was no time frame in getting a response. After being misguided, after be presented fraud information to obtain money from me, after the company reneging on its own wording, I would like to settle this for {$1800.00} that was taken out of my account as an end to debt ratio as I was told in the beginning. This has all been recorded.
Product: Mortgage

I obtained forbearance during the COVID-19 quarantine from Wells Fargo. 

I was told that I would be able to make payments as a result of asking for a short-term payment suspension ; I have the call recorded and am willing to submit the call as evidence. 

Now I am unable to make a payment despite being told by an Agent of Wells Fargo that I would be able to make a payment.
Product: Credit card or prepaid card

The current outstanding balance is {$6200.00} on XX/XX/2023. I feel like I was wrongly charged on my credit card 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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the multiple unsuccessful attempts to correct an erroneous entry on my credit report. Specifically, I have been trying to rectify a late open account that was inaccurately reported, and despite my persistent efforts and repeated disputes, this issue remains unresolved. This letter serves as my formal complaint concerning these persistent inaccuracies. 

The account in question is as follows XXXX XXXX XXXX XXXXXXXX Balance Owed : {$33000.00}. 

I initially reported this error to your agency. Since then, I have made multiple attempts to rectify this issue by providing supporting documentation, including payment receipts and correspondence with the creditor, to demonstrate that this late payment should not be on my credit report. However, despite my diligent efforts, the late open account continues to be inaccurately reported, negatively affecting my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The persistence of this late payment entry on my credit report not only violates the FCRA but also undermines my ability to access credit, secure loans, and make important financial decisions. 

I kindly request that your agency conducts a thorough and comprehensive investigation into this late open account, reviewing the documentation I have provided. It is imperative that you take immediate action to correct this error and ensure that this late payment is being corrected from my credit report without further delay. 

Furthermore, I expect your agency to notify all the credit reporting agencies to which you have furnished this erroneous information, as required by law, to prevent the continued dissemination of this inaccuracy. 

I urge you to prioritize this matter and provide a written response within the legally mandated XXXX timeframe, confirming the correction of the late open account from my credit report. Please consider the serious implications of this error on my financial well-being and future opportunities.
Product: Credit reporting

The following shows up on my equifax credit report. 

( Preferred Customer Account ) Account Number : XXXX Account shows open with a balance of XXXX. This was included in my chapter XXXX bankruptcy and was discharged on XXXX/XXXX/2016.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2019, I purchased two roundtrip flights on XXXX for my brother and his wife. The next morning on XX/XX/2019, my brother called me to see about cancelling the flight. Since it was within 24 hours, the Department of Transportation has a regulation that states flights may be cancelled in the first 24 hours if the flight is 7 days before departure. The flight was for XX/XX/2019 with a return on XX/XX/2019. I called XXXX to cancel the flight but the agent refused to do so. I also spoke with a supervisor who refused as well. Since they refused to comply with the doT regulation, I immediately called Chase Sapphire, my credit card to stop the payment ( still within the 24 hours, on XX/XX/2019 ). I explained the situation and the agent assured me that they could definitely help to dispute the transaction but she could not transfer me to the dispute center until the charge has posted. She was very enthusiastic and made me feel at ease that it would be resolved as soon as the charge posted. I, therefore, did not pursue any other alternative, relying on my credit card to help me. The charge was {$630.00}. I called on XXXX, XXXX, 2019, when the charge had posted to see about the dispute. The agent for Chase assured me again that it will be resolved and transferred me to the dispute center. The agent at the dispute center denied me my claim and stated they could not force the company to change their policy. I called again that same day to speak to another agent to understand why I was being denied a claim, the agent told me the dispute had been resolved and I asked to speak to a supervisor because I felt they did not resolve any dispute. They never contacted XXXX nor did anything on my behalf. They sent me an email today with statements that I do not agree with. The statements seem to imply as if they contacted XXXX when they did not. They never started any dispute despite my many attempts for them to do so. So how can they claim that the dispute is resolved?
Product: Credit card or prepaid card

Mid XXXX I had checked my XXXXredit score because I was planning on buying a second house in a few months. I noticed my credit has dropped from high 700 's to XXXX. It was showing a credit card that had a balance around {$150.00} and never paid then accumulated late fees. It missed payments then the account was closed back last XXXX. I called the contact that was on the credit report for the card. SYNCB/PPC was the account that was showing on my credit. Its a paypal credit card. They explained to me that the account was opened in XXXX and never used till XX/XX/XXXX where a {$150.00} purchase was to a seller named XXXX. I asked them why I wasn't notified and they said all mailed sent was returned. After investigated with the lady on the phone, we found that only my social security and name was correct, all other information was false. The mailing address, email address, phone number, XXXX account were all incorrect. The mailing address was in a completely different state. I asked them how could Iv even used the credit card if it was sent to another state. I told them I've never opened this account or made that purchase. They sent the file to the fraud department to investigate, then denied my case as fraud and refuse to remove the fraud account off my credit. I called them back and ask why, and all they said cause I didn't report sooner I had a year to report. How would I have even know if all my information on the account was false. I have called back multiple times to work this out with them, and they refuse to give me any solution. We are now in its 5th month and I'm still not getting straight answers. 

My name is XXXX XXXX Phone number is XXXX Since I obviously never recieved the card or was the person that opened it, I can not supply a card number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Delete this account immediately, unless you want to be held accountable {$1000.00} per violation 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. 

XXXXDEPT OF ED : ACCOUNT # XXXX ; DEPT OF EDXXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX ; XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX have 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT SUPPRESSION REQUESTED BY ALL CREDIT BUREAUS.   XXXX   XXXX   XXXX   AND INNOVIS.     PER THE  F.C.R.A  LAWS.
Product: Mortgage

I have recently made a XXXX payment to mid-island mortgage to bring my loan current. There is evidence to make me believe someone at the company is trying to rewrite my loan to get paid commission. I have a property inspection fee on my most recent invoice and have just received paperwork to modify the loan. Repeated calls to the company have resulted in hours on time on their automated phone system. I have no intentions of modifying the loan. Mid island mortgage is illegally trying to modify my loan and committing fraud.