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

I recently received a copy of my credit report from one of the credit agencies. XXXX, XXXX or TransUnion. Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX, XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] Two year payment history is erroneous and incomplete with all three credit agencies. 
TransUnion : 30 days late XX/XX/2022 & XXXX XXXX 60 days late. XXXX : 30 days late XX/XX/2022 and XXXX XXXX 60 days late. XXXX : XXXX XXXX  30 days late and XXXX  60 days late.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inacurate items that are on my credit report. I have enclosed copies of relevant documentation, including proof of payment and correspondence with the creditors, showing that these accounts have been settled in full. As stipulated by the FCRA, which mandates. that credit reports must be accurate and up-to-date, these resolved accounts should no longer be reflected negatively on my credit report. I demandt hose I can't be deleted from my report Equifax 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
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX I called in a stolen/lost card to Chase. The company assured me the card hard been cancelled and that a new card had been sent. I continued on with my business trip only to find out that my checking account had {$10000.00} dollars on dates XX/XX/XXXX and XX/XX/XXXX. One of Chase ' employees must not have submitted the cancellation. I went in to the Chase branch, opened a claim against the charges. The charges were initially reversed, and then on XX/XX/XXXX the claims were reversed on my account by Chase. I went in to the branch again today XXXX XXXX XXXX XXXX XXXX to ask why the claim was reversed. I was informed that due to the pin being used on the charges that the claim was changed. I had to remind them that it was their fault for not cancelling the card on XX/XX/XXXX that the charges here after were Chase 's fault. Chase should have safeguards in place, as for each of the 5 {$1000.00} dollar cash back requests at XXXX that were not authorized by me. 5 separate transactions for XXXX dollars each was not once verified by text or a phone call to me on a card that should have been cancelled debit card.
Product: Credit reporting or other personal consumer reports

I am refilling this complaint against APPLE CARD/GS BANK USA for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent account to persist on my credit report without rectification. I submitted to APPLE CARD/GS BANK USA , along with the assigned identity theft case number XXXX. It has come to my attention that despite of all the dispute letters I sent out, APPLE CARD/GS BANK USA has failed to address the fraudulent account that continue to be inaccurately reflected on my credit report. I had anticipated that APPLE CARD/GS BANK USA , as a credit reporting agency , would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entry. I urge APPLE CARD/GS BANK USA to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect APPLE CARD/GS BANK USA to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.
Product: Credit reporting or other personal consumer reports

15 u.s. code 1681 ( i ) - re inserted an item and never notified me within the timeframe. penalty {$1000.00} per item. 

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

On XX/XX/19 I attempted to get my free annual credit reports from the big 3. I was able to get online reports from XXXX and XXXX but not Experian. When attempting to get Experian 's report the following notice pops up : A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX  Request  form. 

XXXX XXXX XXXXt XXXX  XXXX  XXXX. XXXX XXXX XXXX, GA XXXX I think this is unreasonable. I've also read online posts of others running into the same problem, mailing in a request for the report - but never receiving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting that my account went 30 days late in XX/XX/XXXX. I've never been late. I've tried fixing this with them directly but they are unwilling to fix the problem. I've asked for proof of an online chat that took place around XX/XX/XXXX-XX/XX/XXXX where they say I was told to pay a certain amount for the month of XX/XX/XXXX and they are not willing to provide that proof to me. It was their customer service rep that made a mistake on my account and they are not willing to fix it. I've paid all of my bills on time. This is the only problem I'm having.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX  and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit card or prepaid card

Applied for PayPal Credit in XXXX XXXX, 2017. I was denied. I called and was told that they needed to verify income and that i would receive an email with a link that would take me to a site to input the pending income information. The email arrived with the link broken. No way to get to this site. I called and was told that i would have to wait 10 days for a letter in the mail that would provide a new link that would work. The letter arrived and the link still did n't work. I called and wrote PayPal and  i get the run around. Nobody can do anything. According to their support people the whole process is system based and the humans cant do anything. I have a credit application that should have been approved on the spot ( 750 credit score ) yet I am going in circles trying to get anyone to show me where to send the income information to complete the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and filed several disputes online. Equifax and XXXX are reporting my XXXX  card as a closed account. This account is not closed and I am current with my payments. I verified with the creditor that the account is still open and was not reported as a closed account.
Product: Debt collection

I am interested in filing disputes for all inaccuracies on my credit report with Experian.
Product: Debt collection

I paid off the collection because I did not know I could dispute it. They stated That if I paid in full, they would ask credit bureaus to remove the debt from my credit report within 30 days. I paid in full in XX/XX/2021. However, it has been over a year, and nothing has changed on my report. While I understand that they are required to ask for removal after 7 years, there is nothing special about this timeline. That is the amount of time it takes to naturally fall off of a credit report. I only paid in full to prevent the statue of limitations timeframe from restarting and to have the debt associated with me removed from my credit report despite one of the accounts being XXXX XXXX XXXX. I asked them to provide me a copy of the report they sent to the credit bureaus but they stated that they were unable to speak to that or provide me with a date in which the letter was sent.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be fraudulent due to identity theft. These Items do not belong to me. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$12000.00} XXXXXXXX XXXX XXXXXXXX **** XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX Owed : {$1400.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had 2 fraud accounts on my name they removed one and left the other one they both need to be removed i never opened these accounts EVER
Product: Credit card

My capital one credit card is charging me outrages charges for interest and cash withdrawals and will not let me complain about a fraudulent charge.
Product: Credit reporting or other personal consumer reports

I sent a validation letter a few days ago to make sure my credit report was accurate and didn't have any mistakes. I just checked again, and I'm feeling really disappointed because it seems like your company is still not following the rules properly. It's frustrating because I was hoping everything would be sorted out by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

An application was submitted for a mortgage modification with XXXX. For the past three months the account has been under review for mortgage assistance. Though there was a point of contact assigned to the case, XXXX XXXX, I did not hear from him until the complaint was filed with the XXXX. Prior to that time, I was calling and leaving voice messages but there was no response from him. I was also leaving messages in the account portal. There was never any clear or concise information about the loan ; just told it was under review. Just a complete runaround experience! Then the application was allegedly denied but then I was told that information was incorrect and that the application was still under review. During this time, my credit was being adversely affected. When I initially inquired about this, I was told that it was at the lenders ' discretion to report the late payments- which didn't make much sense since I was obviously in dire need of mortgage assistance. However, after speaking with the Loss Mitigation Department, I was advised that the adverse reporting would be reversed once the application was approved. It has now been approved and in light of this unsatisfactory application process that prompted a XXXX complaint, I am requesting for the negative reporting to be removed from my credit profile.
Product: Student loan

Every year when I send in my employee certification for the PSLF I receive an incorrect letter on the number of qualifying payments made/remaining. Every year. This year, they only counted the number of payments as qualifying from the last period for which I submitted a certification, discounting all the other years I have sent in correct documents ( which I also had to contest ). I have made a total of 51 payments toward my required 120 and they are saying now that I've only made 24. Last year they said I had made 39 - this number is also incorrect, the last two payments on XX/XX/2016 and XX/XX/2016 were not in forbearance. And they said that all the payments from the last year count as qualifying payments. Who is doing the math? I tried calling today three times during business hours and the message says that the office is closed and to call back during business hours.
Product: Checking or savings account

I have banked with Chase for many years and have never had a problem. My paychecks are drawn on XXXX XXXX. When XXXX XXXX  had those problems recently ( bank is still open for business ) and I deposited my paycheck last week, Chase put a hold on my paycheck. I deposited it on the XXXX of XXXX and they are holding it until the XXXX of XXXX. I called XXXX XXXX and the monies are cleared on their end. XXXX XXXX  called Chase and told them to release the check as the funds are cleared on XXXX 's side. They said they could not release it. I called Chase XXXX to try to get it released as well and they told me the check had an alert on it and the computer will not allow them to release my check until the date in the system. I told them it was against the law to hold my paycheck and a violation of the Consumer Financial Protection Bureau. My account is going into the negative now, because my bills are coming through. I get paid again tomorrow and they can not tell me if I deposit my check, if they will hold this one. I live paycheck to paycheck and can not afford my paycheck to be held and not be able to pay my bills, buy food or pay my car payment. I need your help in resolving this.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting of Inquiries, Addresses, Employment History, and Names on Credit Report To Whom It May Concern, I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting. I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that the credit bureaus conduct a thorough investigation and promptly correct these inaccuracies. These errors are affecting my credit profile and could impact my ability to secure credit, housing, and employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted each of the credit bureau and requested that they remove an account with   XXXX   XXXX   XXXX   that is reported as as a collection account, but its status is open and the high balance is one amount and the amount owed is much higher as well it continues to increase in balance monthly  ...
Product: Student loan

I have spent several hours trying to reach Nelnet. I am currently enrolled in college at least half time. They should have me in in school deferment but they are saying that my payment is past due. I don't know what else I can do to correct this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries XXXX  XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I have tried to close this account several times over a long period of time with no luck. This account is a Macys/American Express account . I have a regular Macys card that I want t but am declined I do NOT owe any money to Macys on either account. I can not get beyond their automated phone system.
Product: Checking or savings account

Solo Funds use to Deposit and withdraw direct to your account and now they have there own wallet, I have money in that wallet and they won't give me access to it, I think they are bankrupt.
Product: Mortgage

I requested information on what's required to remove my PMI. I received multiple contradictory responses and I consulted with a mortgage broker who said that they are not providing accurate information based on XXXX XXXX . See attached PDF of my emails with Valon XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed. I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Consumer Loan

I had a car loan with Santander Consumer USA. I made a payment of {$450.00} while in the process of trading that vehicle for a new vehicle. My last statement had a " estimate payoff '' of {$18000.00}, however that week, the dealership payoff amount was {$18000.00} not including the amount I had just paid. I proceeded with the trade financed by XXXX XXXX. I was told by the dealership the difference from the payment I made would be refunded to me. Since then I contacted Santander USA after receiving a payoff statement. They could not tell anything because the account was closed.
Product: Money transfer, virtual currency, or money service

So I changed my profile name to the name of my child 's, and they suspended my account asking for identity verification. Then I sent them my identity verification and then they told me I have to change my legal name to the same as my identification. I never changed my legal name but then I asked them on how to change it and they say I will have to create a new account. All I wanted was to transfer my funds out of the account and so I asked them if they could just send me a check of my available fund to the address on file I have because if I create a new account, how will that help with transferring my money out. After that, I never gotten a response. I also ask if I could speak with a XXXX, but they never responded either. All of this has to go through email as the customer representative says they can not do anything, and it has to go through a XXXX via email. They had very bad reviews regarding holding up customer 's fund and keeping it. This is a horrible business to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is saying that I owe {$550.00} for a Dentist bill. I have no outstanding bills with this hospital or   XXXX   XXXX  . This was not me