23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed items on my credit report with Equifax. When I contacted them in referenced to the dispute, most of the information they had and what I requested was incorrect. While inspecting the disputes they dropped my credit score drastically and when I asked " why '' was told because they are investigating disputes. Asked how they can do this when the disputes have not been resolved and everything remains the same and all of my accounts are paid on time, no satisfactory answer. Even though I dispute items, they still remain on my credit report., i.e., one account I never opened, received in mail that I have a approved credit with this company which they then reported to the credit bureau. I never used this account, there are no monies on this account and asked to have this removed. Equifax refused to remove this from credit report and told me basically to call them and get it resolved even though it is obvious the account was never used. I requested my mortgage to be added to my credit report as I have never been late with mortgage payments and would help my credit score sufficiently, they refuse to do that as well. Which I should have the legal right to add positive items to my credit report, showing payments and etc., not just a statement. They are terrible to do business with and very difficult to understand. Bottom line, I disputed items, nothing basically has been done and my credit score went down!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXX  {$460.00}, XXXX XXXXXXXX XXXX XXXX {$0.00}
Product: Debt collection

I was contacted on behalf of Chase Bank by XXXX XXXX XXXX to collect on my outstanding debt. After an agreed upon settlement amount, I was told that if I made a payment over the phone with them through a check, my check would be written directly to Chase Bank and not XXXX XXXX XXXX. I had XXXX specify this. When my check was cleared through the banking system, the image of my check said 'Pay to the order of XXXX XXXX XXXX '. I still have not received confirmation from Chase that my balance was settled and paid in full with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a self lender ( XXXX XXXX ) account late on my file which has never been paid late I've sent in the payment history and its still not being corrected
Product: Debt collection

Collections ( with 15 U.S. Code 1681 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Date : XX/XX/XXXX To Credit bureaus Re : Dispute of Collections Account # [ XXXX, XXXX Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above ( XXXX XXXX XXXX, date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX, Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my TransUnion report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I have one late payment reporting 30 days late on my report that was in fact paid on time. The consumer reporting agencies must report all information with complete accuracy. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX which reported a 30 day late payment in XX/XX/XXXX, They have violated my rights. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. If this information can not be verified I demand this payment to be updated I am now requesting that you investigate this account and update these payments to paid on time. Thank you for understanding and prompt action. I have never missed a payment or been late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : [ XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) ] Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; On { XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) } you reported transactions from account XXXX to my consumer report. The XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! XXXX The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) Deleted from my consumer reports effective immediately. Please refrain from suggesting validation or verification of this information, as my request is solely for the correction of inaccuracies and compliance with federal regulations. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

SunTrust banks claims that I opened a credit account with them on or about XX/XX/XXXX. They are stating that I opened this account and that I have never made any payments on it. 

I discovered this by a dramatic change in my credit rating in XX/XX/XXXX. I did not open an account with Suntrust Bank. I have never received any bills from Suntrust. I do my banking elsewhere. 

I opened a case with the Federal Trade Commission ( FTC Report Number XXXX ) and placed a police report with XXXX County Sheriffs Office in TN on XXXX. I also sent letters to the all credit reporting agencies and opened a fraud investigation with Suntrust Bank ( Case ID # XXXX ). Not having heard back I sent Suntrust a follow up letter requesting information and alerting them to the fact this was a fraud. 

Suntrust sent me a letter on XX/XX/XXXX stating " Suntrust values you as a client and would like to help you meet your financial goals '' and that they believe the account is being reported accurately. 

They did not provide any information on account activity or exactly when and by whom this was opened. I am not responsible for Suntrusts failure to verify identity before creating this account and loaning money. Suntrust has not even attempted to assist in an investigation with the police or given me any information that would assist with this.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$300000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, 4 ) not able to get funding and many loses plus emotional distress of me and my children. I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries showing on my XXXX  credit report. I have contact XXXX directly and informed them w/ also providing evidence and the inquiries have not been removed. XXXX date of inquiry XX/XX/XXXX XXXX XXXXXXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Summary of My Experience with XXXX XXXX and Chase Bank : In XXXX XXXX I purchased a XXXX XXXX from XXXX XXXX, but I never received the product. After a long and exhausting process with their customer service, I finally received a refund. However, a month later, XXXX XXXX charged me again for the exact same amount. When I disputed this charge with my bank, Chase, they denied my claim, stating that it was an authorized charge from my original purchase. 

I am at a loss for where to turn for help. I never made another purchase from XXXX XXXX, yet I was charged again for the same amount after receiving a refund. This has caused my bank account to overdraft, leading to severe financial strain. 

Details : On XX/XX/scrub>XXXX XXXX XXXX I purchased a XXXX XXXX from XXXX XXXX for {$4300.00}. The transaction was successful, and I received a tracking number ( XXXX ), with the package scheduled for delivery on XX/XX/scrub>XXXX XXXX XXXX However, the package was severely damaged during shipping and returned to the sender before it reached me. 

I contacted XXXX XXXX multiple times about this issue, but they repeatedly told me I would be notified via email, with no resolution for over a week. Frustrated, I contacted my bank, Chase, for assistance, fearing I would not receive a refund due to the lack of communication from XXXX XXXX. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX confirmed that the product had been returned to their warehouse and processed a refund. However, on XX/XX/scrub>XXXX XXXX XXXX I was shocked to see another charge of {$4300.00} from XXXX XXXX exact amount of my original purchase. Believing this to be fraud, I reported it to Chase as an unauthorized transaction. 

To my disbelief, Chase denied the claim, stating that the charge was authorized, referencing my original XX/XX/XXXX purchase. When I checked the amount, I realized it was identical to the charge for which I had already been refunded. I immediately reached out to both Chase and XXXX XXXX, explaining the situation. Unfortunately, Chase upheld their denial of my claim, and XXXX XXXX pointed me back to the bank. 

Now, I am stuck in a loop, with both parties refusing to take responsibility, leaving me with a severe financial burden. I urgently need assistance from XXXX XXXX, as this situation feels like a case of financial fraud.
Product: Mortgage

I have been involved in a mortgage modifications with chase since XXXX since such time. They have advised me to fall behind on my mortgage to get the modification and since I completed the modification chase and signed off on the modification during XX/XX/XXXX with bringing my mortgage up to date they have failed to notify the credi burearues of this.. I have had 4 years of bs from them and want my credit re established without any issues from chase ... ... ..there is so much more. Chase has done to me I need to get rid of them ... ''
Product: Mortgage

They owe me over XXXX for closing on my property at XXXX XXXX XXXX XXXX. 
I have called them, written them, emailed them NUMBEROUS times and they give me a reply that it will take 10-14 days to reply and then reply with some nonsense, not researched and just say they are right. 
They have incorrect information ( the closing was on XX/XX/XXXX - not XX/XX/XXXX ). 
They have a payment of over XXXX that was automatically and incorrectly remitted from my bank. 

They treat this cavalierly ... .I send them specific information and they come back with unsupported nonsense. 

I am a senior citizen - XXXX years old now with a XXXX XXXX that needs attending to. 

I will not be treated like this and will sue these XXXX  if I dont get my money back immediately. 

Have someone IN AUTHORITY call me from Wells Fargo .... and make sure they have INFORMATION ... not form letters and XXXX. I am XXXX .... 

And VERY upset
Product: Mortgage

XXXX XXXX XXXX I was told to make wire transfer on XX/XX/2023 XXXX funds through XXXX XXXX XXXX The Company Information provide to me did not work, and I purchase a Cashier Check XX/XX/2023 and mailed to this address over night. To XXXX SN Servicing Corp XXXX XXXX XXXX XXXX XXXX CA XXXX, Cost about {$85.00} next day. I sent a copy to by email to XXXX XXXX XXXX of the Cashier Check for {$2000.00} and Recievied a call from ask what happen and I told her, I found a buyer for the House ans would close XX/XX/2023 and She replied call and make sure SNC recieved payment. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX. Company blocked my attempts to save my home.They provided incorrect information. Failed to honor in-process modifications.
Product: Credit card or prepaid card

On XX/XX/2019 I emailed the bank to potentially change the due date for my payment. The Due date for the payment is XX/XX/2019. I emailed the bank due to horrible inbound customer service. The bank did not respond until XX/XX/2019. I asked for a change in due date of the XXXX of every month. They provided me with the following options XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I am very confused as to why they provide an option in the first place an not let a customer choose the date instead. I responded to the email on the XX/XX/2019 with the XXXX will be ok. On XX/XX/2019 they responded with an email saying that they could not accommodate my request. Not only could they not change my due date they are charging me a {$28.00} dollar late fee. I made an attempt to get the late fee waived but they are telling me I am not qualified for the waiver. Also, I made a payment on XX/XX/2019 after they told me that I could not get the late fee waived. I find that this bank is not willing to assist a good customer that is only attempting to avoid a late payment. I am very dissatisfied with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Consumer account # XXXX XXXX account # XXXX I have did a very good investigation on my credit report. My identity was stolen years ago. This is not my account I have hired an attorney for a lawsuit on all credit bureaus on my XXXX  none of these accounts on there. I need this removed from my credit report ASAP. 

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 XXXX XXXX XXXX and 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 informations inaccurate. 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, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX at the time XX/XX/XXXX they never solved the issue. I now called XXXX asking to stop my payment because my system does not work. They told me contact sunlight which I did. I was told wait for a email or a call! Still yet to receive this was on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the following fraud accounts out of my pocket not having knowledge of my consumer rights at the time of payments and creditor agreed to remove of my credit 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 U.S.C 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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: Money transfer, virtual currency, or money service

I'm glad that you have determined your job done here and on XXXX other complaints I am still dealing with. 

However nothing has changed and Venmo nor you have contacted me at all. 

I am opening another complaint and will look for who I can report you to next. Or maybe I should talk to the legalize of my family. 

This literally says " WILL BE AVAILABLE XX/XX/20. '' Seeing as how it is XXXX, you have obviously don't nothing. Other than change my report to reflect that you have. 

You are worse than the scum who I've been reporting to you.
Product: Credit reporting or other personal consumer reports

There are unfamilliar charges maded on the accounts in my report. I want these accounts removed immediately!