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

I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. Your company never notified me, and your company filed to send me my statements for that month and when I talked to your rep, I was told that this mistake would be deleted. I never received a billing statement from your company.

FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer-reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act I contacted your company and talked to customer service, XXXX who admitted that it was Jpmcb/ Chase because I had Covid 19 forbearance program error and assured me that this misunderstanding was going to be removed from my credit report and listed correctly. The representative promised to send me a payment statements so we wont have this maundering anymore of my account and stated that this mistake would be corrected. I never received such documentation. The results of my XXXX XXXX and XXXX and XXXX dispute have just come in, and say verified. How is this possible?. Reporting inaccurate information is also a violation of the FCRA. Enclosed is proof that payments was on time and never late Your company never sent me a billing statement and was advised that because of the mistake I would not have a late payment. I had to call your customer service and was told a statement was going to be sent to me and now I look at my credit report and you put 30 days late when it was your company and billing error.
Product: Credit card or prepaid card

Citi refuses to issue a chargeback to a merchant that didn't delivery the service that I paid for. I purchased tickets on XXXX XXXX and they cancelled the flights. United States Federal Aviation Administration regulations require that airlines issue a refund when a flight is cancelled and the customer doesn't travel, which is the case here. 

XXXX is being unresponsive, so I have turned to Citi to issues a chargeback because I charged the tickets on their credit card. They refuse to issued the chargeback and also refuse to show where I agreed to terms and conditions that say the flight is non-refundable even if the flight is cancelled. 

My most recent contact with Citi was XX/XX/2020 and they said they considered the matter closed.
Product: Debt collection

I received a message from the collection agency stating they were called XXXX XXXX Law firm saying that my name and phone number was involved in an invention and that my returned call was required to show that I was compliant. I called them bck and spoke with a man that sacked me if I was XXXX XXXX. I explained that I was. He than advised me he was trying to collect a debt for Check Into Cash. I tried to explain to him that I was willing to pay XXXX a month to pay off the debt he explained that he could n't take that amount that he could do XXXX with XXXX payments over 3 mos. I explained I could n't pay that I only make XXXX hour plus tips. He than advised me that he could n't do that and that he would forward my conversation to XXXX County court that I was unwilling to work on settling the debt at the very end of the call he advised he was recording the call and hung up. That same evening XXXX XXXX XXXX 2015. I received another call from the same number listened to the voicemail and it was just music. That next morning XXXX XXXX 2015 I received another call around XXXX, Spoke with a lady I explained to her that if she was recording the call that she needed to advise me at the beginning of the call not at the end as the man I spoke with the day before did n't do. She stated " I SEE YOUR a waste of time and I will forward this.to our process server and see you in court '', and hung up. I called them back and.spoke with another man advised him that I did n't appreciate the way they were representing XXXX XXXX themselves as a collection agency and that I was try I.g to resolve the debt at this point he advised me he was XXXX garnish my wages for the debt. the man would not let me.speak kept interrupting stating that he could n't hear what I was saying. The called ended. I do n't know if they are an attorney or a collection agency they disnt give me any information such as collection address or any other identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies fixed some of the errors, but not all. I need assistance enforcing them to fix " all '' errors on my credit reports.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I placed a buy order with Coinbase of XXXX and Coinbase said the clear date would be on the XXXX due to the nature of XXXX taking a few days to clear. On Monday morning the XXXX they flagged my account and told me the delay would be 30 days. The money has already cleared my bank account, they are locking the funds for an additional 45 days. I've reached out multiple times and sent multiple tickets yet they refuse to acknowledge the issue. I've verified my transaction and my identity with them. I'm not sure what else to do
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two collections listed with Collection Professional back from 2016, I was told since I paid these that they would be removed off of my credit file I even paid not even knowing I owed these because I have health care insurance. The information is still listed. 

Collection Professional # XXXX Collection Professionals # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App 3lock, Inc. ) due to inadequate customer ervice and unfair practices, which violate le Consumer Financial Protection Act CFPA ). Specifically, Cash App failed to take mely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report, which I believe were the result of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit file. 
Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$140.00} Fraudulent Inquiries to Be Blocked and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These addresses are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY, XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>XXXX  To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information. 
Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Debt collection

I need late payments taken off due to no information on how much is owed correctly. They add fees that arent correct and can not give me clear information why.
Product: Credit reporting

delete all XXXX XXXX collections from all XXXX credit bureaus, for the debt was paid in full.
Product: Credit reporting or other personal consumer reports

I have provided XXXX XXXX XXXX XXXX XXXX  XXXX XXXX as supporting documents for proof of identity but the company instead of closing the fraudulent account, they used the supporting documentation I provided to update their information with the credit bureaus and match my information to the fraudulent identity theft account they have in place. 
I demand an immediate close of this account and to send me document letter prove that the account have been closed and stop reporting on my credit report and take it down off my credit report.
Product: Bank account or service

US Bank assessed a monthly fee that amounts to more than 10 % of the account value, for having an account that I use for savings and have had dormant. I find this to be unreasonable and am filing a complaint seeking reimbursement of the fees assessed for XXXX 2015 and XXXX 2015. 

I just made a deposit of {$50.00} and already {$10.00} have been taken out in fees. This is ridiculous and it is unfathomable that a bank that used TARP funds would resort to such petty tactics in order to make a profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only address : XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Not my addresses : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

Capital One sent me a replacement credit card, and this new card is contactless. When I asked for a card that was not contactless, they refused. They are putting my information at risk by insisting that I get a card that any hacker can read without even touching it.
Product: Credit reporting or other personal consumer reports

We called the mortgage company in XX/XX/XXXX to get a month deferment. We were told they couldn't do XXXX XXXX but they would do XX/XX/XXXX, and XXXX and XX/XX/XXXX. We would need to call in XX/XX/XXXX to get options. We called in XXXX and were told they approved the deferment. In XX/XX/XXXX we were told by the Mortgage company it would take 45 days to process the paperwork and that our XXXX payment after their processing wouldn't be until XX/XX/XXXX. We requested the paperwork and received it showing no payment due until XX/XX/XXXX. ( See attached ) On XX/XX/XXXX we resumed our payment but then realized we had XXXX late payments appear on our credit reports for XXXX and XX/XX/XXXX. So we called several times to the Mortgage company to have them correct it. We even filed disputes with the credit reporting agencies and to date these 2 lates have not been fixed. We have never been late on our mortgage. And the two lates were in deferment while we were waiting on their paperwork as per their instructions. We feel they need to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX and Transunion responded to my complaint that I filed with the CFPB regarding Chapter XXXX bankruptcy that is on my consumer report each of the credit bureaus claimed that they verified this information with the Federal Courts, they never provided me with a name, address or person. It just states it was verified by courts. On XX/XX/XXXX I wrote to US Bankruptcy Court asking did they verify my information with credit buraus and they sent back the attached correspondence stating they do not verify records with credit reporting agencies. I also checked XXXX and Transunion websites an it states they both verify bankruptcies with the courts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Request to Review and XXXX XXXX under FCRA Section 623, Truth in Lending Act, and IRS XXXX Guidelines Dear XXXX XXXX XXXX XXXX am writing to urgently request that you review the reporting of my account with Account Number XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), the Truth in Lending Act ( TILA ), and IRS regulations XXXX the cancellation of debt. 

I have identified inaccuracies and potentially fraudulent activity associated with this account. As per the Truth in Lending Act, I am entitled to accurate and fair reporting, and I am currently in the process of reporting this entire transaction as fraud. I also intend to report this matter to the IRS, as the nature of the transaction XXXX have further implications for both tax reporting and compliance. 

According to IRS XXXX XXXX XXXX XXXX are required to file Form XXXX with the IRS when they cancel XXXX debt of {$600.00} or more, as this canceled debt is generally considered taxable income for the debtor. The publication specifies : A debt is deemed canceled when a creditor decides to stop trying to collect on it or reports it as a loss on their books. This XXXX include a charge-off on their financial records If you have reported this account as a charge-off or have ceased collection efforts, you XXXX be required to issue a Form XXXX to both the IRS and myself, indicating that XXXX debt has been canceled. Failure to align your reporting practices with IRS, FCRA, and TILA guidelines not only results in inaccuracies on my credit report but also causes harm to me by putting me at risk with the IRS, as this is considered taxable income. I am trying to stay in honor by ensuring my records are accurate and compliant. In light of these concerns, I request that you : XXXX Review, verify and delete the current reporting status of this account on my credit report. 
XXXX. Provide documentation clarifying whether this account has been considered a canceled debt under IRS guidelines. 
XXXX. Issue Form XXXX if applicable, or correct any inaccurate information reported to credit bureaus. 
XXXX. Respond to my claim of fraud under the Truth in Lending Act, providing a thorough review and documentation of the accounts legitimacy. 

Please respond within 10 days to confirm your receipt of this request and to inform me of the actions you will take to address these issues. If this matter remains unresolved, I will continue reporting these concerns to the relevant regulatory authorities, including the IRS. 

Thank you for your immediate attention to this request. 

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

My credit report is showing late payments to XXXX XXXX XXXXXXXX. These inaccurate items are not only embarrassing ; they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. Also, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It is with great concern that I insist you verify that this information is incorrect and update and repair it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly.
Product: Credit reporting or other personal consumer reports

I HAVE REACHED OUT TO TRANSUNION SEVERAL TIMES THROUGH CERTIFIED LETTERS PHONE CALLS. THEY STILL HAVE NOT RESOLVED THIS MATTER. I HAVE A REPORT FROM THE POLICE AND FTS REPORT AS WELL. THIS IS MATTER IS HINDERING MY CHANGES AT BUYING A HOME, AND HAS PUT A GREAT DEAL OF EMOTIONAL STRESS ON ME. THIS HAS HINDERED ME IN JOB OPPORTUNITIES AND MY LIVELIHOOD. THIS IS A DEFLAMTION TO MY CHARACTER AND ALSO AGAINST THE LAW. 
In accordance with the fair credit Reporting act XXXX Account # XXXX  has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX  Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

XXXX and XXXX has two civil suits against me in the XXXX XXXX XXXX of XXXX XXXX, XXXX. I was only served the Original Notice for one of the cases. In the case I was served papers on, XXXX and XXXX is representing XXXX  XXXX XXXX. XXXX and XXXX is representing Capital One in the other civil case against me. I was not served an Original Notice or paperwork of any kind for that case.
Product: Debt collection

I attempted to get a home equity loan and the following information prevented that. XXXX XXXX   XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. There are Five ( 5 ) accounts listed on their report, all medical bills. I advised that I did not use hospitals or doctors. I requested XXXX, under Section 609 ( a ) ( 1 ) ( A ), physical verification of the original signed certified contract between myself and the and the companies. I did not receive verification, only a letter stating that I know that it is me. Several of the accounts had the exact same amount for services. They continue to add new accounts without verifying that is me.
Product: Credit reporting or other personal consumer reports

I am entangled in a horrible XXXX  XXXX, 100 % 3-year repayment plan. Debts are being reported above the amounts I owe as the creditors are selling or using collection agencies. I have reached out to everyone involved and no one will help me out, they pretty much blow me off. The lawyer I used even submitted a claim I didn't owe for his services. I feel like I am a target and everyone is just watching and even cheering them on. It is my understanding only from reading as the lawyer will not help. The charges should have been frozen the day the XXXX  XXXX was filed. According to my records several were not and one in particular is almost charging XXXX more than I owed. The lawyer was provided free through work so he checked out. He included my home which was I specifically asked him not to and my property taxes all of it is up to date. Everyone is just charging me and I have no idea what most of the collection agencies are collecting for I have no record of them I'm just guessing they were sold by the credit cards so the amounts are not accurate, I am down to just under {$7000.00} from XXXX. Now that I am here and I have examined closely I don't even know who the collection agencies are representing and I basically have no lawyer and the trustee office wont help. I'm just having to pay money I really probably genuinely do not owe these unsecured creditors/collection agencies. Who can help? it seems no one. I was given bad advise to file to begin with and house was never supposed to be involved. I know you work more with collection type issues. My issue with them is that I dont know where they are coming up with what they are asking for or even who they are collecting for it's no where on the site. Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I recently pull my credit and i noticed a few accounts showing onmmy credit report that i do not have any knowlege about. Before reaching out to XXXX, XXXX and Equifax, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers lincense and Social security card.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Credit Report and noticed that I had six late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have responsibility to report Consumer information for the best of their ability with Maximum Accuracy. I have never been late on payment for the account XXXX XXXX XXXX, Partial Acct # XXXX. Please Investigate a provide proof with statements showing that these payment were late.If proof cant be provide I demand these payments be update to on time as they should be as I was never late. Thanks.