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

The following accounts are incorrect, and is affecting my livelihood. 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 I sent out a notice of dispute XX/XX/23.
Product: Mortgage

I paid amerihome on the XXXX of XXXX, it didn't reflect until the XXXX, there were back and fourth of them reversing my payment and me sending it back to them, although they finally received my payment, They double pulled from my account on the XXXX of XXXX but had no record of pulling from my account on the XXXX even though I showed them the activity and explained that they left me in the negative, ( issue is under dispute with the credit bureau and my bank, my bank also admitted they pulled twice ) after this occurred the same issue repeated on the XXXX of XXXX and now I'm in the negative again. I paid them on the XXXX of XXXX, they were closed for the holiday, when they opened they processed my payment and sent me back the money, that time I explained the issue with a agent again and then processed the payment with the agent, even though I processed the XXXX payment with the agent. Although I have confirmations of each payment, they still double pulled from my account. The agent my sister ( who is the co signer ) spoke to didn't understand the situation. She tried to claim that the payment I didn't submit nor was it on auto pay, that it was for the month of XXXX, I did not give them permission to pull from my account for the month of XXXX.
Product: Debt collection

This company was sent a letter certified mail to verify debt. They responded with a letter that had a copy of a contract with my name typed on it. Anyone can go on a computer and type my name a contract. I want valid proof that I incurred this debt like transaction records. Something that I did like a copy of a credit card transaction with my name on it. Otherwise I do n't see this debt as being valid.
Product: Credit reporting or other personal consumer reports

Dispute and complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXonsumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Information Reporting by XXXX XXXXXXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXXXXXX XXXX for inaccurately reporting information to my credit report. This inaccurate reporting has adversely affected my credit score and financial standing. 

**Details of the Complaint : ** 1. **Inaccurate Information : ** - The specific inaccuracies in my credit report, as reported by Equifax and XXXX XXXX include Inaccurate balance updates and last payment dates, incorrect account balances, also payment history is incorrect and not consistent between the XXXX reporting agencies. How can we say this is accurate if both XXXX XXXX and Equifax are reporting different information. Pictures will be included in this complaint. Please remove this account from my report. 


2. **Dates and Context : ** - The erroneous information was reported. I have made attempts to resolve this matter directly with XXXX XXXXXXXX XXXX, but have not had a response. 

3. **Violation of the Fair Credit Reporting Act ( FCRA ) : ** - I believe XXXX XXXX XXXX  has violated the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) by failing to ensure the accuracy of the information they provided to the credit reporting agencies, Equifax and XXXX. Specifically, Section 607 ( b ) of the FCRA mandates that furnishers of information must provide accurate information and that they are liable for damages if they fail to do so.

4. **Impact on My Credit Report : ** - Due to this inaccurate information, I have experienced a very difficult time in getting employment, denial of credit, higher interest rates, and emotional distress. 

**Requested Action : ** I urge the CFPB to investigate this matter and take appropriate action against XXXX XXXXXXXX XXXX for their violations of the FCRA XXXX Additionally, I request assistance in removing this account from my credit report with Equifax and XXXX to reflect accurate information which they did not. 

Attached are copies of my credit report highlighting the inaccuracies, as well as any correspondence with XXXX XXXX XXXX regarding this matter. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Student loan

We have been trying to get on a payment plan that we can afford for over a year. I have mailed, faxed, uploaded all the info that was requested multiple times. I faxed it twice every time, I call in to see what is going on i get the same answer. " We have not received anything, or it is unreadable. '' It's so frustrating that we have done everything on our part, and you still ding our credit. When i call after uploading, I get told well it takes a few days to see it. If it's not readable, we will call you. Never hear back, but conveniently they sent me to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts : XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX ( XXXX ) are being reported inaccurately on my XXXX, XXXX and Transunion credit reports which has caused financial distress and is against the law. I've asked several times for the accounts to be verified including all documentation guaranteed by law. The Credit bureaus stated the accounts were properly investigated, but how is that possible if on every single account without exception the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. If all these pieces of information are coming from the same creditor ( s ) why is the information each bureau is reporting different from the other? How could the information come back different if a proper investigation was done? If a proper investigation was done, why was I not sent the signatured documentation used to verify the information including how they contacted the creditor ( s )? This is grounds for immediate removal they also violated my rights under 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. 

Also, the Credit bureaus took more than 30 days to complete my investigation and more than 15 days to send all corresponding documentation, here is my certified mail tracking numbers for all letters of inquiry # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX As you can see, I sent multiple disputes in regards this issue ( s ). I have given the credit bureaus enough time to prepare all the documents to prove these accounts but they have failed to do so. By the law, they are required to remove these inaccurate items from my credit report ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit Bureau to do a THOROUGH investigation/verification of my credit report, they did... They stated that everything was accurate. I then did a thorough research myself and found multiple improper inaccuracies on the credit report even after they did the " thorough '' research. 

Here are the accounts etc listed below : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX REC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX, XXXX, and XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account ( s ) without my written instructions.
Product: Student loan

Ive sent numerous emails and messages after XX/XX/XXXX and have yet to hear back a response from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these ACCOUNTS WITH THE XXXX  FOR VALIDATION AND IT HAS TAKEN LONGER THAN 30 DAYS
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I just recently uncovered a payment protection plan with my long held Discover card. I found out through an article outlining all the trouble the Discover card had with this plan. People were signed up without their permission. Like us. 

My wife and I never signed up for this added plan. On the phone with the Discover card people, they would not provide evidence that either of us did. I specifically asked for them to send me proof that we signed up. The first person said that they did not have that proof and the subsequent supervisor said they could not because of policy. 

We were covered with a similar plan through work and would not duplicate it with the Discover card. 

They would cancel the plan and refund six months worth of payments. 

This has been going on for 15 years.
Product: Mortgage

This complaint is related to a previous complaint which was prematurely closed by Chase Mortgage ( CFPB # XXXX. ) Since the filing of the above referenced complaint, communication from Chase has completely stopped. After filing the previous complaint I was advised by XXXX XXXX in the Chase Executive office to submit a settlement offer to them and that is all they would need. XXXX XXXX sent me a XXXX envelope on or around XXXX/XXXX/15 and the settlement letter requested was returned to XXXX via XXXX two business days later and would have been received before XXXX/XXXX/15. XXXX XXXX contacted me to advise they had receive my settlement offer and that they now needed additional paperwork. I was told what additional information was needed. This additional information was sent to Chase via XXXX ( at my own expense after they said it would not be at my expense ) and was received by XXXX XXXX in the XXXX, Co. mailroom on XXXX/XXXX/15. Since receipt for this information by Chase there has been no one assigned to handle my case and no communication from Chase. I have attempted on several occasions to contact XXXX XXXX. I have never been able to get her to answer her phone and have left numerous voicemails, none of which have been returned. 
Chase sent a letter to the CFPB indicating that I had not submitted the requested information to them by their self imposed XXXX/XXXX/15 deadline and my case was therefore closed. First of all, Chase has blatantly misrepresented the facts of this case/complaint. They have all the information they have requested but no one from Chase has made any attempt to contact me. I initially contacted Chase in a good faith effort to attempt to settle this loan I am unable to pay before it goes into foreclosure. This issue has been ongoing now for approximately XXXX months and I would like for Chase to address this asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this XXXX XXXXXXXX n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now
Product: Student loan

When I got my loans between XX/XX/XXXX-XX/XX/XXXX I was under the impression that I could defer my loans that were originally under {$60000.00} now they have increased to more than {$100000.00}. I have two loans that I have to worry about the parent plus loan and my own personal on that I got through school. After I receive my XXXX degree I did differ my loans well I went back to school to receive my XXXX that is when the interest inflated my loans. It 's difficult to pay these as interest on the loans goes up as well as cost-of-living, but pay does not go up. I do have a job and I tried to contact Navient but it is always a hassle trying to get them on the phone, I do n't think I 've been able to successfully talk to a person since Navient took over XXXX XXXX, and I make too much money to take advantage of income-based repayment plans so I pay over {$1000.00} in loans. The cost of education is ridiculous and the jobs are n't really here to help support an adult after attending post secondary education establishments. Immediately after I graduated with my XXXX degree I was making & XXXX an hour, it 's difficult to pay a couple hundred dollars in student loans making {$XXXX} an hour.
Product: Credit card

I participated in XXXX Credit Card Promotion : " $ XXXX XXXX XXXX XXXX '' The offer grants Frontier " XXXX XXXX  '' status after spending $ XXXX on the Barclays credit card by XX/XX/XXXX. 

The offer was sent via email to me and available on Frontier 's web site. 

Offer Terms & Conditions If you receive this offer, you will earn Gold Status for spending XXXX XXXX dollars ( {$3000.00} ) on purchases, less credits, returns and adjustments ( " Net Purchases '' ) made with your FRONTIER Airlines XXXX XXXX with transaction dates from XX/XX/XXXX through XX/XX/XXXX. 
The XXXX XXXX will be awarded after the promotional period has ended and will be good through XX/XX/XXXX. 

I completed the purchase requirements on XX/XX/XXXX with a single chart of {$3800.00}. 

Today is XX/XX/XXXX and my " XXXX XXXX '' status is still NOT updated even though the status should be " awarded after the promotion period has ended ... ''. 

I have communicated with Frontier and Barclays around 5 times and both companies insist that I need to discuss with other company. I have provided Frontier a copy of my credit card statement in order to " prove '' I met the requirements. However as of XX/XX/XXXX, my Frontier status is still not updated.

Frontier indicates their back office is reviewing but will not provide a resolution date.
Product: Money transfer, virtual currency, or money service

Trying to link my primary checking account with the financial following mobile/online applications : - XXXX - XXXX - XXXX PNC Bank is not authorizing these apps to be linked since Ive changed my password on XX/XX/2020.
Product: Debt collection

LNVN Collection company reported approximately {$3500.00} of XXXX XXXX XXXX XXXX prepaid credit card which had an original balance of {$300.00} and was paying agreed. 

The prepaid credit balance was incorrectly reported to credit bureaus without proper verification of Statements to reconcile payments history with incorrect amount reported in accordance with FTC XXXX with Federal Truth In Billing Disclosures and credit reporting act. Never given the opportunity to disputes and XXXX XXXX   XXXX XXXX failures to validate the inaccurate information as finisher with FTC guidelines and bad faith. 

There no company call XXXX XXXX XXXX XXXX  prepaid credit card company. 

All I got was a frivolous comment with no supporting statements. I am entitled to reconciliation statement with full disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has sent me multiple notifications that I have been denied an XXXX XXXX XXXX card. I have never applied for such a card, and have no intentions of doing so. I've previously contacted XXXX directly to let them know that an application for this exact card was fraudulent, and they issued information to Equifax to correct my credit report, but it has happened again. They should have taken steps by this time to prevent the error from being repeated, but yet again I have to resolve the issue rather than them preventing fraudulent credit applications in my name which seem to only ever occur for this particular card with this particular company. I'm sick of this XXXX. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3600.00}, {$7400.00}, {$7700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I was trying to buy a home and realized that i had damages on my report. According to 15 U.S.C 1681 laws there should not be any damages on my credit report. its a defimation of my character. 

2. In 2021, I purchased a car and to my surprise I see several hard inquiries for the same loan and I never gave permission to this. The only company that had permission to pull my credit report was XXXX XXXX as they were financing my loan. The dealer finance department did not communicate this with me, and made several fraudulent puls on my account, They took advantage of the fact that this was my first time purchasing a car. I came in with a pre-approval offer from XXXX XXXX. I did not authorize XXXX XXXX  Inquiry : XXXX XXXX, 2021 ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2021
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Perform a Re-Inquiry of My Credit Report at : XXXX XXXX XXXX Dear XXXX : I am writing to file a formal complaint regarding a critical issue with the process for re-inquiring my credit report as required by the rules outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my XXXX XXXX XXXX account, despite my taking steps to correct this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX account, which has been negatively affecting my credit history. Under the Fair Credit Reporting Act, I have a right to an accurate and fair credit report. Following my dispute, the credit agency was required to conduct a new investigation into the matter and ensure that any inaccuracies are corrected immediately.

I request the Consumer Financial Protection Bureau to urgently investigate this matter and ensure that the credit agency complies with the standards stipulated by law. I request prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit agency and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your prompt assistance in this regard. 

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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX 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