23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX purchased gas with XXXX credit card in the amount of {$60.00}. We ended up being double charged, same amount, same day. Logged on site XXXX  XXXX each time unsuccessful in any physical contact-all auto answers. Called phone number on card XXXX XXXX, followed prompts and each time hit a dead end and unable to reach live person. Pulled up on line and found different number, after XXXX minutes actually talked with a live person and was told needed to go to the gas XXXXthey would have to correct. I tried to argue that made no sense but got no where. 
Returned to statin and of course there was nothing they could do, t they were very nice and called the credit card number they had. We went thru at least three people and were finally told to fax the disputed charge to them in spite of the fact that they were the ones who sent the statement!

With the help of the station manager we faxed to disputed charge to them on XXXX. 
We received confirmation of receipt on XX/XX/20. nothing since
Product: Debt collection

SEE ATTACHED. PURSUANT TO FEDERAL LAW THE BURDEN OF PROOF IS UPON THE CARD ISSUER. YOU CAN NOT ENFORCE LIABILITY OF THE ALLEGED DEBT WITHOUT LEGAL PROOF. PLEASE PROVIDE ALL EXHIBITS PROVING MY LIABILITY FOR THE ALLEGED DEBT IN REFERENCE TO ACCOUNT # ( XXXX ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is XXXX XXXX XXXX  and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Please delete this information off my credit file. This information is illegally reporting the wrong balance and I pay this account off on XX/XX/XXXX theyre trying to say Im not and they are continuously arguing with me and giving me the hardest time in my life over XXXXXXXX XXXX
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$300.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$2900.00} Account Name : CAPITAL ONE BANK  USA N Account Number : XXXX Amount Owed : {$500.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$300.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$2900.00} Account Name : XXXX XXXX   XXXX   XXXX XXXX  Account Number : XXXX Amount Owed : {$110.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$180.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$190.00}
Product: Credit reporting

I am a victim of ID theft, and have been declared so by the FTC and the local Police and had forwarded Transunion the Police Report and the FTC ID theft report, along with a dispute letter addressed to Transunion ( see attachments ). 
The FCRA requires the credit bureaus are required to block fradulent information from the credit report so that it can not be re-inserted irrespective of the creditor 's wishes. Transunion failed to block all information and there was a fraud related XXXX XXXX XXXX account that they initially deleted and now have re-inserted it on my credit report, thereby violating the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an alert from Experian that XXXX. XXXX has flagged my account as a Collection. I then sent a dispute to verify the accuracy of this account. On XX/XX/2021 I received an alert from Experian that my dispute was submitted ( way after the 30 day mark ). I then received an update on XX/XX/2021 that my dispute was closed and that the account was verified. I then asked for a reinvestigation and a notice received that they will not reinvestigate with no explanation at all. I have sent several disputes including copies of the dispute letters that I sent the Collection Agency who has not to this day Validated this account. I am not sure how they verified the account when the creditor will not respond to me. I have sent 4 certified letters to XXXX. XXXX and even the last one was notarized. I still have not received validation of this account but they are still reporting on my Experian.
Product: Vehicle loan or lease

On XX/XX/XXXX, I contacted Nissan to find out what I needed to do to resolve the issue with the charge off listed on my credit report. I was told I need to pay it or they could offer to settle it for 60 %. I asked why it was so much and they told me that although they sold the car that I owed the entirety of the lease ( 3 years ) even though we only had the car in our possession for 6 months. I was told this was stated in the contract I signed. I requested a copy of this contract and received it. 
On XX/XX/XXXX, I contacted Nissan again after reviewing the contract and it did not say that I owed the remainder of the balance. It stated that I owe the disposition fee, previous back payments, taxes, and the termination fee ( difference between the adjusted lease balance and the wholesale Fair market value ). When I reported this to Nissan they stated the same thing as before. When I read the contract to him, word for word, he just repeated that I owed the entire amount. He told me I need to discuss it with the credit bureau since they already reported it. I informed him that they can fix what they reported and he disagreed. I asked to speak with his supervisor and was told he was on break. He was given my number to return my call and I never received a call back. 
According to what the contract states that I owe it should be around {$3000.00}, not {$15000.00}.
Product: Payday loan

I receive calls during my work hours non stop calls, one after another.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX made an agreement with me to take off a debt if I paid it in. 

On XX/XX/XXXX, I paid the debt. 

After checking my Credit Report, they neither notified XXXX/ XXXX XXXX of the debt being paid off, nor took it off my Credit report. 

When I called XXXX XXXX, they told me it was not their responsibility to tell the Credit Agencies, nor XXXX XXXX that I paid the debt, But it is still there. 

I am including both my letter and proof of payment. 

Account name XXXX/XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$1200.00} written off. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Sold to XXXX XXXX Type Charge Card Terms NA Credit limit or original amount {$800.00} High balance {$1200.00} Monthly payment {$0.00} Recent payment amount {$100.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Purchased by another lender. 
Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Product: Student loan

I had a student loan being serviced by Discover. I refinanced this loan through XXXX. XXXX sent a check for {$19000.00} to Discover to pay off the loan on XX/XX/XXXX. On XX/XX/XXXX, Discover deposited the check. 

Discover is saying they have not received this payment. XXXX sent me a copy of the cleared check to send to Discover as proof of payment. I uploaded the copy of the cleared check to my Discover account on XX/XX/XXXX, and I called them to make sure they received it. They said they have it, and they will look into it. 

On XX/XX/XXXX, I called them again because I kept getting notifications that my account was past due. They said they are still looking into it. 

My dad, who cosigned the Discover loan with me, was getting the past due notifications too. When he called them, he was told that both of us would get a negative report to the credit bureaus, if we don't pay. When he mentioned the document of the cleared check that was uploaded by me and the calls that I previously made, they said they have no record of any uploaded check or any record of an ongoing investigation into the payment. 

Discover removing the investigation, and not notify me that they are no longer looking into my issue, is unacceptable. Worst of all is threatening to send a bad report on both my dad and me to the credit bureaus, when they won't even thoroughly investigate what happened to the payment from XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXX/XX/XXXXXXXX Subject : Notice of Dispute Regarding Inaccurate and Unverifiable Information on My Credit Report Dear Consumer Financial Protection Bureau, I am formally submitting this complaint against TransUnion through the CFPB regarding their failure to conduct a proper and thorough investigation into inaccurate and unverifiable information on my credit report. This is my third dispute concerning this matter. Despite my previous two formal requests for an investigation, TransUnion has continued to report erroneous information without properly verifying its accuracy. 

Specifically, I am disputing the following account : **Creditor Name : ** XXXX XXXX XXXX XXXX XXXX Number : ** XXXX TransUnion has failed XXXX comply with its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation into my disputes. The inaccurate and erroneous information contained within this account has negatively impacted my credit profile. As proof, I have attached screenshots of the incorrect data and details regarding the inaccuracies that TransUnion has refused to correct. 

Additionally, TransUnion is illegally re-aging this account by reporting a " charge off '' status every single month. A charged-off account should not continue to be reported with a " charge off '' status on a monthly basis. By doing so, TransUnion is improperly extending the statute of limitations for when the account is scheduled to be removed from my credit report. This illegal practice makes the charged-off account appear newer each month, unfairly damaging my credit. Furthermore, TransUnion is depriving me of the opportunity for the account to be removed as mandated by law when the time period expires. 

I demand that TransUnion immediately delete this account from my credit report, as it contains unverifiable and erroneous information. Should TransUnion fail to take corrective action and remove this account from my report, I will be left with no choice but to pursue legal action to enforce my rights under the FCRA. 

I trust that the CFPB will take my complaint seriously and ensure that TransUnion complies with its legal obligations. Please provide written confirmation of the actions taken to resolve this matter at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions, to dispute the inaccuracy being reported on my credit report from a collection agency, XXXX XXXX, with regard to a previous account with XXXX XXXX XXXX in XXXX XXXX, CA. 

I moved in the apartment at XXXX XXXX in XX/XX/2019. I paid a security deposit of {$4300.00}. My rent was {$2100.00} monthly. 

I moved out in XX/XX/2019, with 2 months of rent owed in the amount of {$4300.00}. 

I should only owe {$80.00} to XXXX XXXX, as they kept my entire security deposit when I moved out. I never received any itemized bills stating that there were any damages, so the entire {$4300.00} in security deposit fees should have taken care of my balance due.
Product: Credit reporting or other personal consumer reports

Several credit inquiries on my report that I havent authorized or have any consent of
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge-off in the amount of {$18000.00}, on the US DEPT ED partial account number XXXX. Equifax ; XXXX   and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$42000.00} on the US DEPT ED partial account number XXXX. ( Please see pages attached from my credit report. ) These loans have been consolidated and I have been making on-time monthly payments to these accounts and the amounts being reported are inaccurate and the lates that are reporting are completely false. I have made ( 3 ) consecutive on-time monthly payments and therefore these accounts should not be reporting at all. I have attached a copy of the consolidation paperwork dated XX/XX/2020 for reference. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 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 EQUIFAX MTG XXXX
Product: Debt collection

In XXXX I noticed that a large portion of my paycheck had been garnished. I had to reach out to my employers pay roll department to even find out what the debt was and why I was being garnished. I found out ACT the company that is garnishing me ( in the middle of a pandemic and my hours have been significantly reduced ) was collecting a debt for the Florida Department of Education student loan. I was under the impression that this debt was in forbearance and I never received in correspondence that my debt was being sold to a collections agency. The only way I knew anything about the loan being in default was when my paycheck was garnished. I did not receive any phone calls written correspondence nothing. When I called ACT and explained that the garnishment was financially devastating me they gave me only one option I could set up an additional 5 month installment plan of {$5.00} dollars while the garnishment of roughly {$1000.00} per month is still being deducted. I mentioned the freeze on student loan collections and garnishments I was told by a representative with ACT that they were free to collect the debt since the student loan collection freeze had lapsed. So after the President signed the new economic impact bill mid-XXXX  I called back to see if the garnishment could be stopped I was told to contact my original creditor The Florida Department of Education, the representative with the Florida Department of Education advised me I should never have been garnished in the first place. I called ACT back they advised that they would be stopping the garnishment then when I inquired about the payments previously taken out of my check, would I be getting those payments back since I am still in a financial bind due to my work hours being decreased and the added burden of the garnishment being taken. I was told I would receive a call back which I have yet to receive. This sounds like predatory collections practices and unethical.
Product: Checking or savings account

Hi I was expecting some family support funds from a family member which was done successfully and I couldnt confirm transaction from my bank because the account was close according to the customer representative I ask her to confirm my balance which she couldnt confirm
Product: Mortgage

In the spring of this year I received a call from my currant mortgage company, Citizens Bank, telling me I could refinance my currant loan for a lower interest rate. I have had my loan with them for aprox. 8 years. I told them yeah great. I went through the whole process and received a call for someone to come and do an appraisal and when I gave them directions and told them it was a double wide manufactured home I was called and told I could not get the loan. Now they are the ones that gave me my loan 8 years ago and now I am not good enough to redo it!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a email from Experian on XX/XX/2019 stating that " change to your credit file detected '' I tried to go log in to my Experian account. I put in my username and password and then was told they were incorrect. I tried to change password, it asked me for my username and then my phone number but it had someone else number and I have been unable to access my account. I've tried calling Experian but i can get pass the automated voice on the phone who doesn't listen. and all she who how to do is say ''sorry i didn't get that '' then hangs up on you causes you to start back over and spent a little over 8 minutes trying to speak with a real person in which i was unable to reach.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation!

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: Debt collection

I had previously had my home phone disconnected due to non payment. I paid XXXX XXXX directly and they reconnected my phone, The collection agency they had turned it over too reported it to all collection bureaus. I have sent them notification that this was paid and if I had not paid it I would not currently have phone service. I have sent numerous letters by mail including certified mail, emails and made phone calls to dispute this. They have still not removed from my credit file. 


XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$230.00} Original creditor : XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX  XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXXXXXX XXXX, SC XXXX ( XXXX ) XXXX I do not know what else to do. Can you please look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Bank put an inquiry in my credit report, which was not in my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, and 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 an account without my written instructions.
Product: Checking or savings account

I should have qualified for the Wells Fargo Lawsuit. I had an account with Wells Fargo from XXXX to XXXX. I never received anything
Product: Credit reporting

Transunion deleted XXXX Mortgage account # XXXX and XXXX account # XXXX then placed them back on my credit report.