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

: Complaint Regarding Inaccurate Information on Credit Report Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Complaint against : XXXX XXXX XXXX XXXX XXXX XXXX, TransUnion LLC Subject : Dispute of Erroneous Information on Credit Report I am writing to file a complaint against the three major credit reporting agenciesExperian, TransUnion, and Equifaxfor inaccurate and erroneous reporting on my credit file. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
Below are the details of the disputed accounts and information : * XXXX  XXXX - {$600.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Credit card, Closed. 
* XXXX XXXX XXXX XXXXXXXX - {$11000.00} and {$9200.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Auto Loan, Closed. 
* XXXX XXXX XXXX - {$1500.00} * Collection account, past due as of XX/XX/2023. 
* Original creditor : XXXX XXXX, XXXX XXXX, XXXX. 
* XXXX XXXX - {$130.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Credit card, Closed. 
* XXXX XXXX XXXX - {$24.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Secured Card, Closed. 
* XXXX XXXX XXXX - Secured Loan * Paid, Closed with late payments. 
I believe this issue may be a violation of the Fair Credit Reporting Act ( FCRA ) and require immediate attention. 
I have made several attempts to correct these inaccuracies with the credit reporting agencies without success. These negative items are impacting my credit score and ability to obtain credit. I request the CFPB 's assistance in investigating these errors and ensuring that my credit report accurately reflects my financial history. 
Enclosed, please find copies of my correspondence with the credit reporting agencies, along with supporting documents that prove the inaccuracies. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX Last 4 SSN : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am writing because the following inaccurate information that appears on my Transunion report is still there as of XX/XX/XXXX. My report shows late payments, I previously disputed those inaccuracies these accounts. I don't agree with the results of your investigation and was never provided processed used in determining the validity of their findings. This damaging information is hurting my good credit. In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRCA requires that promptly updated all negative information that is inaccurate, incomplete, or which can not be verified, XXXX XXXX XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. I am demand that these accounts be updated to reflect Paid As Agreed Never Late ( PAANL ).

Article 15 U.S. Code 1681 Section 602 states I have to privacy.

Article 15 U.S. Code 1681 Section 604A Section 2 states can not furnish my account without my written instruction.

Article 15 U.S. Code 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. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2000.00}. Late payments showing XXXX XXXX ( 30 Day Late ) XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. Late payments showing : XXXX ( 30 Day Late ), XXXX ( 30 Day Late )XXXX XXXX ( 30 Day Late ) XX/XX/XXXX ( 30 Day Late ) XXXX XXXX XXXXXXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Late payments showing : XXXX  ( 30 Day Late ) Im sure you are aware I am lawfully within my consumer and civil rights to ask that the above demands under the ( FCRA ). The above derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, or not proven to regulatory federal reporting laws and standards and MUST be updated to reflect Paid As Agreed Never Late ( PAANL ). I request that you provide me proof of your investigation, a detailed description of all procedures and steps used in your process to determine complete accuracy of the information you reported. Please mail me the proof of your investigation, the detailed process used in determining the validity of the information reported, as well as, proof that you have not violated any of these U.S. Codes. If you can not provide evidence you did not violate these U.S. Codes or lacking proof of you detailed process in determining accuracy of the inaccurate information, then I demand you delete any negative information in these accounts immediately and update payment history to reflect Paid As Agreed Never Late ( PAANL ). If you did violate these U.S. Codes please delete any negative information in these accounts immediately and update payment history to reflect Paid As Agreed Never Late ( PAANL ). 

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

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent 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 {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$450.00} ; XXXX XXXX XXXX XXXX XXXX  {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many Disputes to XXXX concerning an account with First Interstate Bank, First Interstate Bank has always verified information about this account. I have contacted First Interstate State Bank to request a Payment History and First Interstate Bank was unable to provide a Payment History for this Account, they could not find the account. The account information is taken from an XXXX credit report dated XX/XX/XXXX, XXXX Confirmation number is XXXX. The account number in question is XXXX from FIBANK XXXX XXXX XXXX XXXX  MT XXXX : XXXX. 
According to the report from XXXX the account was opened XX/XX/XXXX. The Terms Duration is left blank with no information ( Error 1 ). Months Revd is 99 This is incorrect ( Error 2 ). Amount Past Due is left blank ( Error 3 ). Actual Payment amount is left Blank - incomplete ( Error 4 ). Scheduled Payment Amount left blank inaccurate ( Error 5 ). Date of last activity was XX/XX/XXXX, Date of Last Payment was XX/XX/XXXX how can you have a payment after what is supposed to be the last activity a month later - incorrect information ( Error 6 ). This account was opened from XX/XX/XXXX with the last payment showing as XX/XX/XXXX. How can an account that was open 4 years and 1 month have a reported Account History with only 2 months - XX/XX/XXXX and XX/XX/XXXX showing ( Error 7 ). By law FCRA, Section 609 and 611, First Interstate Bank and XXXX are required to report information accurately. Information is incorrect, missing, inaccurate from both companies.
Product: Credit card

Please review the attached documents. I request an investigation by the bureau into these accounts, which I have never been late for, yet they are being reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

CCS Collections has my debt listed on XXXX report, this amount of {$130.00} was paid with the intention of having this item removed from my report, but is still reporting to XXXX. When thjs account was paid, the company had promised to remove but they haven't.
Product: Checking or savings account

On XX/XX/XXXX, I requested an online transfer of XXXX  XXXX from my Savings Account to an external account. 

The withdrawal was completed on XX/XX/XXXX via ACH. However, it was then reversed the same day. 

When I contacted the bank to inquire about the reversal, they said they needed to speak with the joint owner. When he called them, they asked a few security questions, then said they would call back with an update in 3-7 business days. They offered no explanation and no alternative other than calling later to try and speak with a supervisor. 

This is not in line with their own terms : " [ Bank ] has a limit of six withdrawals or transfers per statement period, and each transfer has an outgoing limit of {$120000.00} when initiated online. [ Bank ] processes transfers of {$100000.00} or less made through [ Bank ] by XXXX XXXX XXXX on a business day, by XXXX XXXX XXXX  that day. ''
Product: Checking or savings account

On XX/XX/2023 my chime debit card was lost. Someone use my debit card and made multiple unauthorized purchases without using my PIN number. There were multiple declined transactions and 2 approved transactions because the person that took my card kept getting declined. I spoke to chime fraud department, and they created a dispute for {$88.00} that same day and cancelled my debt and credit cards. They told me it would take 90 days to come up with a resolution. 

XX/XX/2023. They emailed me and said Theres nothing they can do and that my case is closed. I want my money back. chime never told us that if we lose a debit card, someone can still use it in a store without using the 4 digit secure pin number.
Product: Credit reporting

I have an alleged XXXX account for XXXX on my Experian credit report.I have disputed this account several times with Experian as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Experian credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
XXXX DOFD - XX/XX/XXXXExperian DOFD - XX/XX/XXXXXXXX DOFD - XX/XX/XXXXThe FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Experian is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Experian responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file.
Product: Debt collection

I do not dispute that I owe the debt. My complaint is that the agency calls multiple times/day and several days/week which constitutes harassment. They will call XXXX times within 2 or 3 minutes. They call, hang up with no message and call right back and will do this multiple times/day. I have also requested that they not contact my employer and they have done that after my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to complain about Experian 's online dispute center. I have disputed several items this month requesting Method of Verification along with validation and Original contract with signature to prove that some of the information in my report is in fact mine. However I've haven't received anything except status update online and typically without notice a decrees in my Fico. Is Experian supposed to provide me with how they verified these items and if so what they verified? ( example : Original signed contract, with description of debt ) When I request this via their online dispute portal I have received nothing back except a status at the conclusion of their investigation. 
Disputes resulting in no requested information being provided as requested : XX/XX/XXXX - Department of Veterans Affairs - Dates are not corresponding with delinquency and open date, no information provided from Experian on how they verified or what they verified. Remained on my report. 
XX/XX/XXXX - XXXX XXXX Bank -No information provided from Experian on how they verified or what they verified. 
XX/XX/XXXX, XXXX XXXX showing a balance date in 2020, after I requested method of verification and validation ; however this account was included in my 2015 bankruptcy, this erroneous reporting of errors are not being questioned by experian XXXX they are not providing method of verification or validation of the debt, I should not have an updated balance for this account. No information provided from Experian. Remained on my report. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX Experian provided no information on requested method of verification or validation. 

I am currently re-disputing items ( Online and now via certified mail ) I am trying to get more information on whats accurate in my report, there seems to be a lot of errors or misreporting. My information has been in several security breeches and recently my bank was drained by fraudulent charges so I am trying to verify everything is accurate on my report. I would like to know if Experian is required to provide the same due diligence they're supposed to provide when sending a certified letter or if the online dispute center doesn't abide by the same rules when disputing via certified mail.
Product: Mortgage

I contacted Caliber Home Loans on several different dates as noted herein : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There was an error in the calculation of my final loan balance with Caliber Home Loans. Although I called them several times, they did not relate to what I was stating as the balance on this loan. Caliber Home Loans actually owed me money as the mortgage loan was closed when I sold this property on XX/XX/XXXX. Caliber Home Loans charged me additional interest on this loan instead of pro-rating the balance due back to me for the month of XX/XX/XXXX. 

I made the XXXX mortgage payment to Caliber Home Loans on XX/XX/XXXX as evidenced in the attachments in the amount of {$1200.00}, check # XXXX. This was the total payment due for the month of XX/XX/XXXX which included principle, interest and property taxes. On the attached 'Payoff Quote '' from Caliber Home Loans, they continued to charge me interest on this loan even though I had paid the XXXX mortgage payment, and no interest was due on this loan until XX/XX/XXXX. I no longer owned this property as of XX/XX/XXXX. 

Caliber Home Loans erroneously charged me additional interest in closing this loan on XX/XX/XXXX, in the amount of {$310.00} even though I had paid the interest, principal and property tax for the property in full for the month of XXXX. Therefore, Caliber Home Loans owes me the additional interest they charged me on this loan in the close process XXXX sale of the property ). They also owe me a prorated amount of money for the remaining days in XX/XX/XXXX for which I no longer owned the property, but had paid the XX/XX/XXXX mortgage payment in full.
Product: Mortgage

My mortgage servicing company, XXXX XXXX XXXX, is supposed to pay my homeowner 's insurance out of my payment.  Last XXXX, I received a notification out of the blue from my homeowner 's insurance saying that it hadn't been paid. When I called to find out more, it turned out that it hadn't been paid for ONE FULL YEAR. When I logged on to XXXX XXXX XXXX XXXX website, it listed my insurance provider as "  homeowner 's insurance ''. When I called XXXX, the operator said that there was a notation on my account from the previous year saying that the check they sent had been returned. That was the last notation on the account, with no follow-up. The next time I called, they had a completely different story, saying that they had paid my insurance company and couldn't explain why I had no insurance. Despite my account clearly showing that they knew I was uninsured, they never apologized or admitted wrongdoing. At the time I was too busy trying to secure new insurance coverage, but I did lodge a complaint with the XXXX XXXX XXXX so that there would be a record of this behavior.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was transferring XXXX lite coins which is {$4500.00} to a Coinbase Wallet. When I selected the XXXX wallet to copy the address, Coinbase gave me with this wallet address XXXX when I later discovered the correct address they were supposed to provide was XXXX. Instead of Coinbase rejecting the transaction they sent funds to When I sent the funds to the wallet I never saw them appear. So I did another transaction for {$500.00} and this one appeared. I immediately reached out to Coinbase and the only thing they would tell me is that my funds could not be recovered. I am able to view the funds to an address XXXX no one owns and continues to tell me that my funds are lost forever. Coinbase has since rejected my emails when I question what will happen to the funds in the wallet if they are never claimed. Block transaction is XXXX. XXXX is actively stealing from consumers and something needs to be done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax, Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. 

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but you've admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

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: Money transfer, virtual currency, or money service

Paypal permanently suspended my account by claiming that I violated their " terms of use. '' However, the terms of use are very clear, and I violated none of them. I was given a numerical code to use when calling in, but the employee who answered told me that the reason for my permanent suspension was " classified. '' At that moment, my end of the conversation was cut off, leaving the employee to ask, " Hello? Are you there? Hello? '' until he hung up. 

It is imperative Paypal clearly state all reasons -- including political -- for suspending accounts, leaving the owners in limbo, and damaging their financial reputation. My Paypal suspension apparently set off a chain reaction. Following in Paypal 's footsteps, XXXX XXXX and Venmo banned me. 

I had to confirm my identity in person to the IRS. No explanation given. 

Then my bank XXXX XXXX requested that I go in personally and confirm my identity. 

At XXXX XXXX, the branch manager told me off the record that the bank was " being pressured '' to drop me, but since I've been a customer for 40+ years, my accounts and credit card were safe. 

This all started with Paypal. If they are going to try and ruin users over politics, they need to admit it up front.
Product: Credit reporting or other personal consumer reports

Open a Jet Blue Barclay Master card with a XXXX credit limit. As of today got a letter that sates my credit is not only XXXX This is misleading due to the fact that inquiry was not done appropriately at the begin which the line of credit was open. This not now at practice
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are the biggest fraud against people in this country. Why do bad information rather pay off or keep showing up on credit reports while good reporting disappear. Why is XXXX  still consider a reputable reporting agency when it allow a massive data breach. XXXX, Transunion and XXXX  are totally discreditable agencies. I do what they do I would be arrested for fraud. Why is my credit score 70 points different between the three? These agencies need to be investigated and regulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint about a collection on my account I don't recognize. I asked for copies of the charges related to this collection. I understand I had a card with XXXX XXXX, but I do not recognize this/these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiry XXXX XXXX XXXX dated XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX unauthorized inquiry, DISCOVER FINANCIAL SER, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXX XXXX XXXX unauthorized inquiry, XXXXXXXX XXXX XXXXXXXX, XXXX unauthorized inquiry, XXXX XXXX, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXXXXXX unauthorized inquiry, XXXX XXXX XXXXXXXX XXXX XXXX have communicated on numerous occasions that i NEVER have given my written consent to perform any credit check or look at my credit report. they have corrupted my privacy and hurt my credit score, I want these inquiries removed at once.