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

Written XXXX Credit several time about a medical bill but it has never but disputer dispute me sending cert. mail and fax letter and phone calls this company refuse to address my concerns. example of last letter sent : Mail XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX Phone XXXX XXXX Dispute XXXX XXXX XXXX This was my State treating doctor for my XXXX  injury, XXXX When I was hurt on the job at XXXX XXXX XXXX XXXX XXXX was my treating doctor. Under State Law a treating injury doctor should bill my job due to the nature of my injury under XXXX XXXX. This is a XXXX bill due to state regulation. Therefore, I am requesting this item to be remove due to the fact XXXX pass my medical bill due to injury by the State of Texas Please attach statement
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Since the beginning of Covid ; I've had a lot of problems with unauthorized card use, and inability to access my account correctly, while banking with BMO Harris Bank located on XXXX XXXX XXXX XXXXXXXX, WI. Starting around the beginning of Covid, BMO chose to switch to needing a " temporary phone password '' to access anything via their XXXX customer service line. This also includes their " card member services line '' as well. Since the beginning of Covid, I've had a couple of unauthorized transactions. The most recent was on XX/XX/XXXX I believe, where the bank finally offered the shut my card down, but then still authorized transactions on XX/XX/XXXX to XXXX XXXX in the amount of {$200.00}, and to XXXX XXXX in the amount of {$330.00} ''. 

There was also a secondary account setup in XXXX of XXXX by one of my sole-proprietor business clients in my name, which I'm not able to access at all. I was at the bank with my client in XX/XX/XXXX to setup the account. I even received the follow-up call a day or 2 later from my banker, checking on the account. But, when my client tries to put $ into the account using the account # giving to use, they're not allowed to, being told that the account doesn't exist. And I get told the same thing from BMO teller when trying to access the account on my end as well. 

As stated, this has been an ongoing issue with BMO Harris bank since Covid. They have no right to be doing this to customers, as it violates federal banking laws, yet here we are. Because of their unwillingness to cooperate at this point, I'm requesting any and all accounts information, ran based of SSN for the financial institution over the last XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

First the date I opened the account varies depending on which bureau you view it from the amounts are all over the place. The fair credit act starts every thing must be 100 % accurate or removed from my report
Product: Credit card

On XX/XX/year>, I went onto the XXXX XXXX website to purchase flights and saw an offer from Citibank for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The " Limited-Time Special Offer '' stated " Earn XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  plus travel benefits. Bonus miles earned after {$3500.00} in purchases within the first 4 months of account opening ''. I opened the account online on XX/XX/year>, and used the new card to purchase my airline tickets. I far exceeded the purchase requirement, charging over {$7600.00} in purchases after just XXXX months. Citi awarded me only XXXX bonus miles. I have made many phone calls to Citi as well as XXXX XXXX over the past couple months. Neither will honor the promotion that was advertised when I opened the account. I have screenshots of the offer and have provided them to Citi and XXXX XXXX, but to no avail. I have attached screenshots of the offer to this complaint.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX are not complete and accurate .

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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: Student loan

I have a private student loan with Wells Fargo. I lost my job, no longer receive unemployment income, and have filed for bankruptcy. After speaking to Wells Fargo, explaining my situation and asking for assistance no one at Wells Fargo was willing to assist in a way that would work. They told me that they would not give me a modification because I have no income and would not qualify, and even if I was granted a modification I would not be able to pay because I have no income. Additionally, they could not defer my payment because I only qualified for one deferment. It is impossible to get ahead when one is  stuck between a rock and a hard spot. I explained to them that we are a XXXX member family on one income. Wells Fargo 's servicing and collecting tactics border on bullying.
Product: Credit card or prepaid card

Following are three disputes I have filed with American Express over a service I did not receive. They kept finding in the merchants favor and I would reopen the dispute. After three attempts, Amex 's last decision was that even though the Hotel that I reserved ( XXXX XXXX XXXX dates XX/XX/XXXX - XX/XX/XXXX Itinerary # XXXX, through XXXX ) did not provide me access to my room that the fee is nonrefundable. I provided letters and call logs showing the hotel had a problem where the keys did not work. After 6 times of being locked out and locked between floors within hours of arrival, and rude management who did not care or attempt to fix it, I had no choice but to check out and find other accommodations. I was charged for lodging and the hotel did not provide it. I spent hours in the garage and in the hallway and did not feel safe and that is not what I contracted to purchase. I could not get into the room. Amex is still requiring me to pay for the room. 

Inquiry Ref. No. : XXXX Establishment Name : XXXX XXXX Inquiry Amount : {$920.00} Inquiry Receipt Date : XX/XX/XXXX Inquiry Reason : Ticket/Merchandise not received Resolution Date : XX/XX/XXXX Inquiry Ref. No. : XXXX Establishment Name : XXXX XXXX Inquiry Amount : {$920.00} Inquiry Receipt Date : XX/XX/XXXX Inquiry Reason : Not available online Resolution Date : XX/XX/XXXX Inquiry Ref. No. : XXXX Establishment Name : XXXX XXXX Inquiry Amount : {$920.00} Inquiry Receipt Date : XX/XX/XXXX Inquiry Reason : Cancelled Resolution Date : XX/XX/XXXX My cell is XXXX. 

Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your efforts in investigating the matter and for providing a copy of your previous correspondence dated XX/XX/scrub>XXXX XXXX XXXX However, I would like to express that I do not believe my concerns have been fully addressed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists CREDIT CARD XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX '' XXXX '' all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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 or other personal consumer reports

The account was paid in full Please correct this information on my credit report on XXXX and equifax thank you my account was paid in full I provided my proof with the picture I sent
Product: Checking or savings account

On XX/XX/XXXX, when accessing my Money Network account, I noticed a transfer to an account I did not recognize and a transferred I never made. Two days prior to XX/XX/XXXX, I tried to access my account several times, and a prompt popped up stating their was suspicious activity in my account and to fulfill to CAPTCHA to access my account. I was unable to access my account. When I finally received access to my account, XX/XX/XXXX, I noticed the unauthorized transfer and I immediately called Money Network. The individual transferred {$1700.00} and leaving a remaining balance of {$35.00}. Money Network then closed my account, issued me a check for the remaining balance, and filed a dispute for me. The representative for Money Network explained that I can send an email to XXXX and explain what happened and the would also send me a form to fill out through the mail, I completed both. The representative from Money Network even recognized that the unauthorized transfer routing and checking numbers were different from the checking and routing numbers I have used in the prior two transfers. 
On XX/XX/XXXX, I received a letter denying my dispute, with no explanation why I was denied but that I can call dispute operations at XXXX. I've called this number endlessly and after I put my current information they requested, the automated message states they don't recognize my account and I get hung up on. There is no options to speak to someone. When I call Money Network customer service line at XXXX, that automated message DOES recognize my account and gives me information of my current transactions but it still does not give me any options to speak to a live person and I again are hung up on. I emailed fiserv on XX/XX/XXXX in hopes to get help with my dead end and a person by the name of XXXX XXXX in which he replied that he would pass this email along to the appropriate team. I have yet to hear from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my report and noticed inaccuracies on XX/XX/2023 and sent my first dispute letter on XX/XX/2023 and they updated my information on XX/XX/2023. I then submitted my second dispute letter requesting a re-investigation.
Product: Mortgage

I was playing catchup from being out with my mom and was looking to help consolidate my bills. I spoke with an attorney, and they said to do bankruptcy which I did and wish I did not because I didn't have that many bills I was just trying to get back afloat. I asked the attorney in XXXX could my payment be lower or could i get out. I was under the impression that the payments I was sending in each month they were paying my bills. to my acknowledgement they were not. My other creditors such as my car payment and credit cards let me start paying as of XXXX to catch up payments bc they have not received any payments since I filed bankruptcy which was in XX/XX/year>. Vanderbilt Mortgage and Finance will not help me or do a loan modification or let me pay extra a month to catch up, that and said they have not had a payment since XX/XX/year> which is not my fault. They transaction report from bankruptcy court only paid two payments and they are trying to foreclose on my house, and I need help. I applied for mitigation they denied and will not take a partial payment. I spoke to XXXX, and he stated I could only pay the amount in a lump sum of what is owed. There has to be help for me somewhere I do not want to lose my house, and I can XXXX XXXX and XXXX for this year now, but they will not accept my payments. Prior to XXXX i was in bankruptcy.
Product: Prepaid card

I purchased XXXX prepaid, Visa gift cards. Each time I attempted to use the cards my transaction was rejected by the issuer. The issuer is XXXX XXXX, the cards are serviced by Incomm Financial Services. 

Pathward/Incomm routinely blocks legitimate transactions under the guise of " consumer protection ''. They do so in the hopes that delaying the spend down on the cards will lead to windfall and unmerited profits for the issuer. How? By frustrating users and rejecting consumer purchases, chances increase that users will simply give up and not use the cards. By frustrating users and delaying spend down chances increase that users will misplace their cards. This is unethical behavior. 

I have been forced to endure lengthy delays, lost submissions and poor customer service on the numerous occassions on which I have forced to seek refunds and card replacements from XXXX/Incomm. That is why I now appeal directly to CFPB in the hopes of not only receiving a refund for these XXXX cards, but some action on the part of CFPB to sanction XXXX/Incomm so that the entities stop this eggregious behavior.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security XXXX is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove this fraudulent account. While checking my credit report, I noticed account, I did not authorize was made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Experian has under my Social Security XXXX. 
I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. 
FROUDULENT COLLECTION ACCOUNT! 
XXXX XXXX Balance : {$1000.00} Balance updated : XX/XX/XXXX Original balance : {$1000.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Status : Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX updated : XX/XX/XXXX 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally applied to XXXX XXXX for my mortgage was approved and closed/purchased my home. A mortgage service company XXXX XXXX provided mortgage services to my account but was never the lender or owned my mortgage. XXXX XXXX is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX XXXX is also reporting the exact same information which is correct but XXXX XXXX XXXX need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, DUVERA is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said This account has not issued a 1099c form '' DUVERA is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by DUVERA to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication 4681, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX XXXX XXXX  XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If DUVERA has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. 

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

DUVERA is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports.

I WILL FORWARD THIS LETTER TO ATTORNEY GENERAL, XXXX  AND IRS. I INTEND TO TAKE LEGAL ACTION