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

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit card or prepaid card

On XX/XX/XXXX, I went to the QVC website to pay my bill. The email I had gotten told me that my payment was {$42.00}. I wrote it on my list of bills. When I got to the portal, it stated that my bill was {$30.00}, and I was like great. I had made three {$35.00} payments and it was time for my payment to go down. To the day, it stated that I owed {$150.00}. Only now that amount is raised to {$160.00}. I haven't bought anything from QVC in over 18-months and my payment hadn't changed in a year. I owed them the same {$300.00}. I filed a complaint with your office. It ' all about a stand mixer that I purchased and didn't have enough credit to charge it all. I talked to a young man at the collection agency. I asked him if I could pay {$20.00} over the next seven ( 7 ) months. He told me " No '' and that he really needed me to pay it all at once. I would have been done paying for it by now. 

Now QVC has changed my due date, and giving me late fees. I paid the bill on XX/XX/XXXX, and they claim the {$12.00} extra dollars are late fees. So, why did my email say {$12.00}, before it was even due? How do they charge me a late fee, before it is even due. Like I said, I had been paying {$35.00} a month for three months. Something happened in XXXX and I don't even remember, but I paid them twice. But again, why isn't that {$400.00} I had for a credit limit paid off by now? I don't know why I still owe them anything. That {$150.00} going to {$160.00} proves they are adding extra to my bills ... 

I am asking for arbitration. I want to go in front of an arbitrator to work out my situations with them and I will be through with them! The young man from the collections agency brought it to my attention that they had closed my account and my ability to have an account on their website back in XXXX. I haven't purchaed anything from them in over 18 months, but I have paid them at least {$35.00} a month. XXXX even with 25 % interest that is {$410.00} and over my credit limit. These people are cheating me. I want a mediator to be able to do the correct math, and clear up this months issues!!!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX  XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Company didnt remove unauthorized inquiries disputed off my report. All were claimed to be 100 % accurate. 

Did not consent to unauthorized inquiry ( s ).

The inquiry was not authorized, unauthorized inquiry account is involved in litigation Importantly to highlight under 15 U.S.C 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items if information.
Product: Debt collection

I started making payments to National Commercial Services in California in XXXX. I informed them in XXXX that I was no longer able to pay but that we should come to an agreement to settle the debt. The total amount I owed them at that time was {$5500.00}. I have made payments since XXXX totaling about {$4000.00}. I informed them that i would like to settle the remainder and was told at that time that i owe them {$4400.00}. That is almost double what the agreement was about and was not giving an explanation as to how that balance came to be and my emails were ignored along with my phone calls. 

I stopped paying them until i received a proper explanation which did not happen and even then I informed them that I am willing to pay {$120.00} to settle what was left of the original amount when i agreed to make monthly payments. They did not respond as i mentioned before and opened a credit report on XX/XX/XXXX. 

I am disputing this report because this was easily taken care of and I DO NOT OWE THEM {$4400.00} which is a total fabrication.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy of information on my XXXX XXXX account, which is adversely affecting my credit report. The details of my account are as follows : Account Number : XXXX Account Opening Date : XX/XX/XXXX Upon reviewing my credit report from all credit Bureaus, I noticed significant discrepancies in the payment summary and collection status of my XXXX XXXX account. Specifically : Missing Data Entries : The payment summary indicates no data available for XXXX  2022XX/XX/XXXX and XX/XX/XXXXXXXX  2023. However, despite these gaps, the account status shows it has been in collections continuously from 2019 to the present day. 

Incorrect Collection Reporting : The account status inaccurately portrays continuous collection activity from 2019 onward, which does not align with the actual history of the account. 

These inaccuracies are concerning as they impact my creditworthiness and misrepresent my payment history with XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g, I am entitled to request and obtain all information in my file maintained by a consumer reporting agency, which includes accurate reporting from data furnishers like XXXX XXXX. Additionally, under 15 U.S.C. 1681 ( a ) ( 4 ), consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

The FCRA also mandates that if information can not be verified during an investigation, it must be promptly deleted from my credit report. Therefore, I request that you : Conduct a thorough review of my account history and correct any inaccuracies in the payment summary and collection status. 
Provide me with a written confirmation of the investigation results and any corrections made. 
If you are unable to verify the disputed information, delete it from all major credit bureaus which includes XXXX, Equifax, XXXX and XXXX. 
Please acknowledge receipt of this dispute within XXXX  days as required by the FCRA. You can reach me at mail or email if you require any further information or clarification. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this dispute.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRY : XXXX XXXX
Product: Credit card or prepaid card

I have been locked out of my Barclay US online account for two months. I have tried calling, contacting them on XXXX/social media, and have not been able to talk to a live person. Each time I call I am on hold for over an hour and a half before I am forced to give up. I have called the line 20 times in the past two months. I need to get through because I can not use my card because I am unable to see a balance or make payments until my account is unblocked.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Improper Investigation and Re-Reporting of Closed/Charged-Off Accounts Under FCRA To Whom It May Concern, I am writing to formally dispute the improper handling and investigation of my credit report accounts. I have previously disputed the following closed and/or charged-off accounts with Equifax, Incorrect addresses XXXX and multiple names on my credit report, but they were improperly re-reported on my credit report after being removed. Additionally, I did not receive any notification of the results of the investigation within the 30-day period required by law. The accounts in question are : 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 XXXXXXXX These accounts were removed from my credit report following a dispute, but they were subsequently re-reported without the proper investigation or notification of the findings, in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) which mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information. 
15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) which requires that I be notified of the results of the reinvestigation within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) which specifies that if information is found to be inaccurate or incomplete, it must be corrected or deleted. 
As a result of these violations, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these actions and take appropriate corrective steps. Specifically, I ask that : 1. The CFPB conduct an investigation into the improper reinvestigation of these accounts by the credit bureaus and their re-reporting on my credit file.

2. Confirmation that I will receive proper notifications of the findings of any future investigations within the 30-day timeframe as required by law. 
XXXX. Prompt removal or correction of any inaccurate or incomplete information on my credit report, including these disputed accounts. 
My personal information is as follows : 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 XXXXXX/XX/year> Please let me know if any further documentation or information is needed to assist in your investigation. I provided a copy of my Drivers ID and My SS card with my correct, full, and only name with my correct and only address. I appreciate your prompt attention to this matter and look forward to a resolution. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Here is the account that is not reporting accurately : ( XXXX XXXX XXXX account number XXXX ), XXXX XXXX reported a late payment in XX/XX/2022. Please correct this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii, and 15 USC 1681e ( b ). 

I have proof that i paid my account on time XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX 2022 for the amount of {$400.00}. I will include my bank statements.
Product: Mortgage

My mortgage loan is in default and was recently transferred from Seterus to Nationstar/Mr. Cooper. Ultimately I will lose my home through foreclosure since Seterus was unwilling to work with me to save my home and I fear Nationstar will continue this practice. My loan qualifies for mortgage assistance, but Seterus kept telling me that I have had too many workout plans already. However, the one modification they gave me they made an accounting mistake and never accounted for my second trial modification payment. When I called in to fix this they basically said that there is nothing they can do and kept telling me to call back next month to see if they can help me. I have not had a single point of contact that I could work with and will lose my home through foreclosure if something isnt done. I am a XXXX   XXXX  and am not always in the country. A few years ago, I foolishly trusted my boyfriend to take care of the mortgage payments while I was gone for months at a time taking care of my patient. Instead of being responsible and making the mortgage payments, he took the money I sent him and squandered it. I was unaware of that I was delinquent on my mortgage payments until I came back to the country and found out I was delinquent. I contacted Seterus and I got a trial modification in XXXX of 2018. I made my XXXX payment and called Seterus in XXXX to make my next payment. One of their representatives, XXXX, called my bank to verify funds while I was on the line and was told the funds were in the bank. Everything was verified and I was told the payment was made, but their representative made a mistake and did not do the transaction. Then I was advised by XXXX that my payment did not go through because I GAVE THE WRONG ACCOUNT NUMBER for my bank account. However, it is impossible that I gave them the wrong number since XXXX confirmed the bank account number while she was on the line with my bank! After that everything fell apart and I lost my modification. I tried to work this out with them, but they have turned their backs on me and now I will lose my home through foreclosure if you can not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems failed to provide the requested evidence of the validity of the items in my consumer report and failed to delete them, which violated my federally protected right 15 USC 1681g ( c ) ( 2 ( E ). This violation per 15 U.S.C 1692k permits me to collect damages of {$1000.00} for this occurrence.
Product: Checking or savings account

My name is XXXX XXXX and my contact number is XXXXOn XX/XX/XXXX, I went inside regions bank on XXXX and deposited a check in the amount of XXXX XXXX and {$500.00} cash which is a down payment for a house I am trying to buy. A few days later after depositing the check, I received an email that the check will be on hold until the XXXX of XXXX, XXXX. On XX/XX/XXXX I attempted to pay for something using my debit card and it was declined. I attempted to log into my acct and my access was blocked. I contacted customer service and was told that I have to go to my local branch to unlock my acct because it has been locked for possible fraud. I went to your branch on XXXX, XX/XX/XXXX and a ticket was submitted to unlock the account for me and after several misinformations by XXXX XXXX, I was told by the bank manager that the check will be on hold for up to 90 days for possible fraud. I have provided all the information you and XXXX asked of me to show proof of where the check came from and Ive showed bank statements from my husbands business account including copies of both front and back of the cashed check and still my acct is on hold. My house will be ready next month XXXX, XXXX and as of right now, the bank is holding my money hostage despite the fact that I provided all the documents they requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was done to my credit report from XXXX XXXX and I have not applied for any XXXX XXXX I already have two that are active
Product: Student loan

Upon reviewing of my records, the following accounts are erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX  / XXXX / {$9300.00} XXXX  XXXX XXXX / {$0.00}
Product: Debt collection

Comenity Bank has been repeatedly calling me while I am at work. I have asked them to stop calling me as I have talked with someone about the collection, but they have been continuously calling me at work. This is harassment and is interfering with my job performance and livelihood.
Product: Mortgage

I was sent a letter by Chase Home Finance stating that they was canceling the entire amount i owe on my mortgage loan and that I owe nothing more on the loan. I also was sent a copy of a Corporate Deed of Release from Chase that went to the City goverment for recording. I called Chase they told me I owe nothing else. I received several phone calls from representive of Chase telling me they made a mistake. Chase had been telling me all year that they made a mistake after sending me letters after letters of false hope while waiting a loan modification. At the same time they sent me the letter stating i did n't owe anything, they told me my modification was approved and that they reversed the cancelation of morgage dept. I have copies of all the letters sent by Chase this year including the corporate deed of release and escrow letter stating that I have XXXX in escrow and that they were sending me a check and later to be told that they made a mistake.
Product: Vehicle loan or lease

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 ( 2 ) states I have the right to privacy ( 15 usc 1681 section 604 a section 2 ) also states that a consumer reporting agency can not furnish an account without my written instructions and 15 usc 1666 ( b ) a Creditor can not treat a payment as late for any purpose.
Product: Debt collection

After carefully reviewing my credit report, Spring Oaks Capital LLC has listed a collection account for {$610.00} for acct. # XXXX. I never received any communication from this company, right to dispute, validity of said debt. I've never done business with them. I know my rights under the FCRA and this company is in violation. This account can't be 100 % accurate either as there are open dates and amounts that varies between the 3 bureaus. An account can't be opened on different days. I want the alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I have been in contact with XXXX XXXX Jefferson capital and requested information from her which I have not received. Furthermore, she sent an email with a settlement amount that I never agree to, when I asked her for paperwork concerning the collection account.
Product: Checking or savings account

In or about XX/XX/2020 my account with Bank Of America Was closed due to a suspected activity in my husband account. Since we had a joint account all his accounts and mine were closed. Since then my husband reported that his account was compromised that the transaction that was pending in his account wasn't his. After the report I was told that the bank will closed the account and that all the money will be sent in a format of a check. The total amount was for {$16000.00} and I was told in numerous occasions that this money will be send to me and I always get the run around. We are getting close to 2 years since this incident and the bank always say the same thing that is currently during investigation. My husband provided all the pay stubs from the XXXX XXXX for them to validate the funding source. I need some assistance with this because this is quite frustrating.
Product: Checking or savings account

On XX/XX/2020, I had a fraudulent charge to my account by Amazon. I called the bank to notify about the unauthorized charge. I got my card cancelled and my money returned. On XX/XX/2020 the same amount was pulled from my account showing a " reversal claim ''. Chase Bank claims that XXXX has proven to them that it was something that I " did purchased and that it was sent to my home ''. I don't know how that was proven when it was not my purchase. I went to my local branch and they told me to send a fax with what I have to proof. I have sent a fax ( XX/XX/XXXX ) with my proof to Chase bank Claims and shown them that even XXXX  accepts that that there was a fraudulent activity in my account on this order number. I've called the bank 's claims department on several occasions ( XX/XX/XXXX, XX/XX/XXXX ) and even before these dates, and they tell me that I have to call XXXX. I've called XXXX  several times, ( XX/XX/XXXX, XX/XX/XXXX ) and have been texting with them even before this time. At the end, XXXX, told me that they don't do " claim reversals ''. I called Chase Bank again to reopen this claim again and investigate showing them my proof and again they sent me a notice ( XX/XX/XXXX ) saying that nothing will be done about it and my money will not be returned.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a check in the amount of {$20000.00} for a vehicle loan on a XXXX XXXX XXXX. On the check we put the last 4 of the VIN and make of the XXXX vehicle. We also have a 2nd auto loan with Chase for a XXXX XXXX. They mistakenly applied the $ XXXX check to the XXXX and reported the payment for the XXXX as late on XX/XX/XXXX. On XX/XX/XXXX I called Chase Auto to find out what happened and this is when I found out the $ XXXX was being applied to the wrong account and was in pending status. With the Chase Auto representative on the phone, we called our bank on a 3 way call, put a stop payment on the $ XXXX check going to the wrong loan & made an ACH transfer for {$22000.00} on the XXXX vehicle loan all in the same call which posted XX/XX/XXXX. Chase still kept and reported the payment as late. This dropped my credit score from XXXX to XXXX, nearly XXXX points! Chase has not reversed this and after I called today again to ask why not, they are still refusing to do so and said they will not open an inquiry or provide updated non-late status of the payment. This in turn reduced available credit on credit cards that took years to build up. Thanks Chase.