23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX or XX/XX/XXXX of 2023 I went to a time share presentation with Wyndham. They asked for my social just to make sure I could watch the presentation is what I was told. Yesterday, XX/XX/XXXX I received a notice from XXXX  and XXXX XXXX that I was signed up for a new credit card for XXXX with wyndham and it dropped my credit score. I never signed up for a new card. I reached out to wyndham over the phone and they said I did not have a record of that. I did some research online and there are loads of incidents of this exact thing occurring. This is fradulent activity and I did not sign up for a credit card and now my credit score has significantly dropped and I have no way of fixing this.
Product: Checking or savings account

On XX/XX/2021 I submitted a Roth Transfer form issued by Ally bank in order to transfer my Roth CD being held at XXXXXXXX XXXX to Ally XXXX XXXX  I was told by Ally Bank to complete a transfer form and send it to Ally bank in order to complete the transfer. I also requested an addition of {$7000.00} to be deposited into the same Ally Roth CD Account. Please not on the attached document that the transfer was requested on XX/XX/2021. 
I notice a new Roth CD account was set up by Ally Bank and the {$7000.00} was deposited in that account. There is no evidence that my CD transfer was ever made by XXXXXXXX XXXX in the amount of, {$21000.00}. I did call both banks after I realized that the Roth CD was closed at XXXX and no record of deposit at Ally. When I called XXXXXXXX XXXX, I was told that the deposit from Ally was refused by XXXX due to " grace period problem ''. When I try to call or contact Ally Bank, I am unable to reach anyone by phone, chat, or email. At this point on XX/XX/2021, there is no record of my funds at either XXXXXXXX XXXX and Ally Bank. All I have to show is the original {$7000.00} deposit I made per check to Ally bank.
Product: Debt collection

There were fraudulent charges on my checking account. I disputed them with my bank ( XXXX XXXX XXXX ), they were then reversed and my debit card was cancelled. I thought at that point every thing was fine and taken care of, but the merchant ( XXXX ) has since sent my information over to a collection agency ( Transworld Systems ) and now they are sending me letters to pay for charges I did not incur.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a debt collector to pay off a debt is had. Filed a dispute with experian and showed proof I paid that off what we agreeded on and they still didnt take it off my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally dispute the accuracy of information contained within my credit report, as provided by your agency. Upon thorough examination of the report in question, I have identified several discrepancies that necessitate immediate rectification to ensure compliance with the Fair Credit Reporting Act ( FCRA ).

Account Information : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( XXXX ) ; Not specified ( XXXX ) ; Not specified ( Experian ) Current Balance : {$1000.00} Credit Limit : {$1200.00} Discrepancies : * Inconsistent Account Closure Date : Discrepancies exist regarding the reported closure date of the account. While XXXX denotes the account 's closure as transpiring on XX/XX/XXXX, XXXX and Experian fail to specify a definitive closure date. 
* Varied Payment History Reporting : * XXXX : No instances of late payments are documented. 
* XXXX : Late payments are recorded, including XXXX payment XXXX  days late, XXXX payment XXXX days late, and XXXX payments XXXX  days late. 
* Experian : Late payments are documented, showcasing delinquency spanning various durations - XXXX, XXXX, XXXX, XXXX, and XXXX  days past due. 
* Discrepant High Balance Reporting : Experian reports a highest balance of {$1200.00}, while XXXX and XXXX do not provide analogous information. 
Moreover, it is imperative to note that the validity of this account 's reporting has not been appropriately verified. The accumulation of these inaccuracies has had a profoundly deleterious impact on my credit score, thereby impeding my ability to meet personal and professional obligations and access requisite financial resources. Consequently, I hereby demand the expeditious removal of this account from my credit report in fulfillment of your statutory obligations under the FCRA.

I beseech your immediate attention to this matter and request that a thorough investigation be conducted to rectify the aforementioned discrepancies. Subsequently, I anticipate the issuance of a revised credit report reflecting the accurate and rectified information consequent to the resolution of this dispute.

Please be advised of your legal obligations pursuant to the FCRA to ensure the veracity and integrity of information contained within consumers ' credit files. Your compliance with these obligations is not only imperative but legally mandated.

I appreciate your prompt attention to this matter and await confirmation of the resolution forthwith. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$630.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$610.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer 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 USC 1681. 

XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX has violated my rights. 


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

This is my XXXX and final attempt to supply court documentation to XXXX, TransUnion, and XXXX regarding a recent lawsuit with XXXX ( Account # XXXX ). The lawsuit was DISMISSED due to XXXX 'S MOTION TO DISMISS FOR LACK OF XXXX RESPONSE APPROVED BY THE JUDGE IN COURT. LACK OF XXXX RESPONSE ( LAW meaning ) : the ruling by a judge that all or a portion ( one or more of the causes of action ) of the plaintiff 's lawsuit is terminated ( thrown out ) - - The Plaintiff ( XXXX ) FAILED to provide evidence that the debt is owed to XXXX ( Account # XXXX ). Therefore, the court DISMISSED the case - SEE ATTACHED SUPPORTING DOCUMENTS - Proper court documents are being provided AGAIN. I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not removed.
Product: Credit card or prepaid card

I have reached out to Grain technology services on changing my account information to be able to process payments to my account. 

Theres trouble shoot issues on their app. 
And its causing late payments, which is effecting my personal credit. They do not a customer service number that connects to an actual person. 

I have emailed them several times and only to get a automated response saying I will get connected to a real human to be further assigned but no response. 

This has been going on for months now and I can not get in contact with anyone to solve this problem.
Product: Credit card

My mother has XXXX, and I am her power of attorney. She has been charging hundreds of dollars worth of merchandise that she does not recall ordering. I lowered her credit card limit to {$200.00} to prevent this problem and was assured by Chase card representatives on at least two occasions that any attempted charges over this amount would not be approved. At {$630.00} I cancelled the card, after several representatives in XXXX departments ( 7 calls total? ) could not explain why charges kept accruing. Finally, someone told me that the credit limit would not stop charges from being approved, and that I would have no choice but to pay the entire balance.
Product: Debt collection

I had a forgotten urgent care ( XXXX XXXX  ) account fall into the hands of Receivables Management Systems ( RMS ) in XXXX, VA. Since RMS was only contracted to collect on the debt, I reached out to the original creditor to pay the balance in XXXX of XXXX. XXXX XXXX at XXXX XXXX confirmed that they would reach out to RMS and have them delete the item ( as a pay for delete ) from my credit report, which they did shortly after, until last month.

RMS elected to add the item back to my credit report as an OPEN account ( despite being paid in full ) in XXXX of XXXX. Despite reaching out to RMS through multiple avenues, they refuse to remove the item as promised by XXXX at XXXX XXXX. This coincidentally aligns with my attempts at securing a home loan to purchase my first property. It seems like very weird timing for them to suddenly decide to add a paid collection back to my report despite removing it a year prior.Any assistance by the teams at CFPB would be greatly appreciated. Thank you in advance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

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 15 USC 1681 Section 602 ( A ). States I have right to privacy.

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions.

I have not furnished consent via 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.

The accounts listed are adverse items of information and are not convictions or crimes.

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.

The accounts listed all also have inaccuracies and different information on all 3 major credit bureaus from open date, to ammount owed, and also monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Agencies and failing to comply with the Federal regulation. I previously ordered a copy of my u [ dated Credit report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX, and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I am urging the Credit Reporting Agencies to check the payment history, date open, last activity and Status of the Accounts ; XXXX XXXX Balance Owed : {$340.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX Owed : {$2500.00}, as I believe these accounts are reporting in error.
Product: Credit card or prepaid card

BBVA credit card payment department deduct my payment twice without my authorization, and they reluctant to credit back the extra amount ( {$460.00} ) back to my credit card account. Instead they insist they only do check or to my BBVA checking account if I had one. But I have my family member also being taken payment twice from BBVA without authorization, and BBVA credit back that amount to his BBVA credit card account. 
BBVA credit card department took money from my bank account without my authorization and they did not explain what went wrong in their system.
Product: Checking or savings account

Request for Reevaluation of Disputed Transaction - Claim IDs : XXXX and XXXX I am writing to request reevaluation of a disputed transaction and to express my concern regarding the closure of my disputed transaction cases, specifically claim IDs XXXX and XXXX. Despite providing substantial evidence and documentation to support my claims, both cases were closed without proper consideration. 
The first claim, initiated on XX/XX/2024, under Claim ID XXXX, was opened to dispute a transaction made on XX/XX/2024 in the amount of {$2000.00} after not receiving the credit I was promised on XX/XX/2024 and contacting the merchant several times with no resolution. The merchant acknowledged the return and issued a refund, as per the receipt issued on XX/XX/2024. It is important to note that the merchant 's return policy clearly states that returns are accepted within 30 days. 
To my disappointment, the first claim was closed without any explanation or consideration of the supporting documentation provided. Subsequently, on XX/XX/2024, I called Bank of America to inquire about the closure of the initial claim. I was informed that an error had occurred, leading to the creation of a new claim under Claim ID XXXX. 
Regrettably, the second claim, along with the additional supporting documents I provided, was promptly closed without proper review or consideration. This lack of attention to the evidence undermines my confidence in Bank of America 's dispute resolution process. 
Attached to this letter, you will find the supporting documentation that was not considered during the recent claim closures. These documents serve as clear evidence that the item in question was returned within the designated time frame, and a credit of {$2000.00} is rightfully owed to my XXXX card ending in XXXX, which is linked to my Bank of America debit account. 
Considering the existence of two separate claims and the attached strong evidence, I kindly request that Bank of America reevaluate both cases, under Claim IDs XXXX and XXXX, and provide a detailed explanation as to why they were closed without proper consideration of the submitted documentation. It is essential that my concerns are addressed, and a fair resolution is reached. 
Furthermore, I would appreciate a clear explanation of the steps taken during the initial investigation, as well as clarification on how the supporting documentation was evaluated. If any additional information or documentation is required, please let me know promptly so that I may provide it to facilitate a thorough review of my cases.

I look forward to your prompt attention to this matter and a fair resolution. Should you require any further information or clarification, please do not hesitate to contact me at the provided email address or phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reinvestigation hasnt replied in 30 day time frame. Incorrect reporting is hurting my chances to receive funds or loans
Product: Mortgage

Ocwen took over servicing my loan, from XXXX, and is not honoring the modification that was in place. I have my XXXX contract as well as My receipts with on time payments. I paid on my modification for 10 months. after ocwen took over servicing, they foreclosed, evicted, and caused me servere harm. I fought in court and managed to get my home back yet ocwen is failing to honor the existing modification. They have just offered me a different modification that is completely different, unfair, and significantly more money. They are threatening me with foreclosure unless I sign this agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows an account open in the my name. I did not open this account. I have told credit reporting agencies this several times. They always come back and say it is mine. I would never open a XXXX account. I would like this resolved as soon as possible, because this is not mine. I fear someone is trying to use my name for fraud. While there are no charges owing on it now, I would like to get this straightened as soon as possible, before charges are accrued. Please take care of this, as I'm innocent person who did not open this account. I am in the process of buying a home, building a better and stronger credit, and I do not need this on my credit. If it was mine. I would accept that. It is not, and this is unfair, and illegal. No proof has ever been presented to me, that this is my account, when I know it is not. That is why there is no proof.
Product: Checking or savings account

I filed several six unauthorized disputes on XX/XX/XXXX. They were all denied just two days later, when I can confirm that I myself did not make these transactions. I have asked an agent to appeal my case again for the amounts {$110.00}, {$31.00}, {$100.00}, {$190.00}, {$110.00}, and finally {$110.00}. An agent told me an account specialist will review my account, but I will be submitting a POLICE report AND asking for legal advice regarding my lost funds. This has been a very frustrating and inconvenient experience.
Product: Mortgage

I applied for a 3 month forbearance plan due to COVID-19. It was scheduled to end XX/XX/XXXX with my total deferred payment and monthly payment being due on XX/XX/XXXX. I called Penny Mac to discuss repayment options as paying the entire amount back at once is a hardship. I called on or around XX/XX/XXXX to try and be pro-active to work out the payment details. The individual I spoke with kept pushing me to wait until XX/XX/XXXX ( 7 days late ) and I would hear something from them by then. I'm not going to wait until I'm late to make an arrangement that sounds like a poor plan. After speaking with him and giving some financial information he said I wasn't eligible for anything and needed to wait and kept pushing me to wait until I'm late with my loan ( bad plan ). I asked to speak with his supervisor and spoke with her. We re-checked my financial information provided and she offered me a 4 month repayment plan starting XX/XX/XXXX and ending XX/XX/XXXX with the money owed split into 4 equal payments. Over the next week or so I got a number of mailings with very confusing and conflicting information from what I was given over the phone and basically said my repayment plan was denied. I waited until my monthly statement and next payment due showed up, which conveniently wasn't until XX/XX/XXXX and Penny Mac customer service is closed, to see indeed my entire amount is due this next payment on XX/XX/XXXX. Very deceiving and late/slow practices here.
Product: Credit reporting or other personal consumer reports

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Product: Credit card

From XX/XX/XXXX I had a Target Redcard interest rate of 22.90 % for Charges and 25.90 % for Cash Advances. On XX/XX/XXXX Statement it showed 28.15 % for charges and 31.15 % for Cash Advances. As a settlement, I politely asked for 3 months waiver of interest from XXXX XXXX, they gave only one month. Stated I could have one month as a courtesy. Called several times, same response. No additional waivers. 

Never received a letter for APR change nor was it mentioned on the statements which followed. No consumers attention at any time. The interest changed every 3mos during this time period.
Product: Debt collection

I got a ticket from XXXX  for a XXXX, NC red light camera. I had sold the car in XXXX so I just ignored it. Then Linebarger Goggin sends me a letter for debt collection. So I call them saying I don't own this car and I was at XXXX XXXX during the time of the violation. They say I need a bill of sale, all I have is a XXXX payment because I didn't think to photocopy a bill of sale when I'm getting rid of a car asap. XXXX the violation info phone number doesn't work XXXX I don't know how they even got my name since I cancelled the registration in XXXX way before the ticket happened. XXXX I have no way showing I sold it other then I don't have it and I have a {$1900.00} for a car in XXXX.
Product: Credit reporting or other personal consumer reports

According to the IRRS an unpaid charge off is income and according to the FCRA Income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. ( XXXX ) After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my report. Please cease the reporting and delete this account.
Product: Credit reporting or other personal consumer reports

. Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to dispute inaccurate information on my credit report as I am a victim of labor trafficking. The incorrect information on my report has caused significant harm to my financial well-being. 
I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX XXXX, and Equifax. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/scrub>/2024, I submitted a dispute to XXXX XXXX, and Equifax regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the XXXX XXXX XXXX failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.