23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX  Account Number 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 is also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted on XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed accounts and information from my Credit File. On XX/XX/XXXX, I also sent a dispute letter to the credit bureaus asking them to delete the following accounts : XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXX XXXX  XXXX XXXX Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXXXXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$570.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Balance {$1500.00} ; that are UNKNOWN to me. The Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) requires the credit reporting agencies to delete all accounts and information no later than four business days following XX/XX/XXXX, according to the statute that I just learned about. This is something I've already mentioned in my complaints # XXXX, # XXXX, and # XXXX and is something I'm mentioning once more. If the Credit Bureaus assert that the disputed things belong to me, kindly send me copies of any documentation that establish my ownership of the disputed items or that include my signature. The items in my credit file should be immediately removed if I don't receive them.
Product: Mortgage

During the Covid19 epidemic, my loan company caliber home loans ( https : //caliberhomeloans.com ) is offering what they call a forbearance plan. ( https : //caliberhomeloans.com/tools-resources/faqs ). 

They are allowing a temporary deferment on your payments for a couple months, but then the whole sum payment of what was deferred is due in full at the end of the forbearance. 
If we are being mandated not to work this helps us in no way but driving us further into debt and ruin. I know other mortgage companies out there are allowing the life of the loan to be extended without penalty because of the crisis we are facing. 

I am issuing this complaint in hopes that your organization has a higher authority to help bring a sensible justice for us locked into a bad situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed bankruptcies showing on my credit report with Experian. The results came back " verified '' so I asked the company how was this information verified, at 1st I was told through the US Courts so I contacted the courts and they advised several times that they do NOT communicate in any way with credit bureaus nor any other types of data furnishers.. So I called back and asked again and was told the info came from another data furnisher. I asked Experian to send me their method of verification so that I may dispute it with this data furnisher and they basically are saying they can't.. I advised by law my consumer rights allow me to request this information and that they have a duty to properly investigate anything I dispute according to the fcra. I also advised that per the fcra anything not 100 % verified has to be deleted. So I requested proof that includes any documents or statements from this data furnisher in regards to this investigation. I advised a proper investigation has to be done that includes proof and just taking the word from a 3rd party does not validate anything on my credit report. The end result is Experian basically telling me the dispute is closed
Product: Mortgage

I've recently refinanced my home and learned that my homeowners insurance was never paid by my mortgage holder Loancare ( XXXX XXXX XXXX ). My Loancare statement indicates my escrow account disbursed {$2000.00} on XX/XX/2020. I've been in communication with my insurance company ( XXXX ) and they discovered a check ( # XXXX ) was written by Loancare inthe ammout of {$62000.00}, likely a batch payment, to XXXX on XX/XX/2020 however this check was deposited back into Loancare 's account and never actually sent to XXXX nor was the disbursement reissued to my escrow account. I have been on the phone with Loancare several times, spoken with three individuals from their insurance team, each time getting different information with no resolution. I requested to speak with supervisors or directors with no cooperation, including a call back request being ignored. My {$2000.00} seems to have disappear but it has to be somewhere. I don't know if this is incompetence or fraud on the part of Loancare. Please help. XXXX
Product: Debt collection

ARS Account Resolution Services our of XXXX and XXXX is trying to collect on a Medical Debt that they refuse to validate for me. I have asked them and emailed them several times to supply me with the original signed document stating that I requested medical services. Going one step further since this is a medical debt I have asked for the signed HIPAA release form stating that I gave permission to the doctors to share or disclose any of my medical file which includes but not limited to Name, Address, Social Security number, Medical XXXX and even billing amounts. All this information is to be protected under HIPAA and this company is in direct violation of that. I also call them and tell them that I am going to record my call, and they hang up on me. I do this for my protection. They also tell me they do not have on record the original creditor or doctors name or number for me to call myself to verify this debt. But ARS will send me a letter stating that they have confirmed this debt which is impossible. They have put this on my Credit Reports as well without following proper collection procedures and ignoring my requests for physical verification.
Product: Debt collection

I took out a XXXX XXXX from Republic Finance for roughly {$900.00} odd dollars. They have an agency XXXX and XXXX garnishing my wages, having me pay them monthly saying that i owe them over {$6000.00}
Product: Student loan

I was just approved by Navient to consolidate my student loan through them. I have not made a payment as of yet. My first payment is XXXX XXXX. In my initial letter was not clear to me as to what I am originally suppose to pay monthly. I had to call and speak with a representative. They said a payment option letter will be sent to me and was never received. At the same time the representative still did not take the time out to explain the breakdown of my repayment. I was also advised that if i was the monthly payment was not feasible they can go by income to lower my payments. However, I was told by a representative I have to make 3 monthly payments first before they can lower the payments. I received nothing in writing about that option. Today I see online that the Federal government is suing Navient for over repayment and cheating borrowers out of their repayment rights. I do not want fall victim of paying more than what I should be paying and dishonesty in repayment. No one, such as myself, wants to be cheated on with money they give to a lender just to have their hard own money be thrown by the waste side.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit card or prepaid card

I have been a card member with Chase for 10 years. On XX/XX/XXXX, they decided to abruptly close my account. When I called to ask why, they said it was because I had disputed foo many charges. This seems arbitrary to me and I dont understand what basis they have and no one explained it to me. But, if they do have the right to close my card, so be it. What I am complaining about is that Chase charged me an annual membership fee of {$450.00} on XX/XX/XXXX. Today, XX/XX/XXXX, I asked for this fee to be refunded since they ( not I ) decided to close the account. They told me that they would not refund the fee. I think they should provide a refund. I would like this investigated. Thank you.
Product: Credit card or prepaid card

Chase automatically signed me up for paperless billing in late summer XX/XX/XXXX. However, the email address they had on file was incorrect, and they never sent me an email to confirm my email address. I had been paying the same minimum amount required for many months. Chase changed this minimum amount, but never notified me. No email ( since they had the wrong address ), no phone call, no text, no physical mail. I then continued to make the minimum payment I had made previously, but Chase started hitting me with late fees, interest, etc, which I was unaware of. I checked my credit score in XX/XX/XXXX and this was the first time I realized Chase had been hitting me with these fees. I tried to work with them, but they refused to take off more then one month of late fees. The worst part of this was that my credit score was severely impacted due to my Chase account being considered " delinquent, '' and my other creditors drastically reduced my credit limit causing my severe financial issues.
Product: Credit card

On XX/XX/2024, three fraudulent purchases were made with my GAP credit card, which is provided by Barclays. I was able to cancel/reverse 2 of the 3 transactions but not the 3rd. I have called Barclays three time to try to resolve the issue, but it is still showing that I owe a balance. I have reported the charges as fraud multiple times and Barclays is refusing to acknowledge this.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding Wells Fargo 's inaccurate reporting of my account as both a repossession and a charge-off to the credit reporting agencies. This reporting is false and damaging to my credit history. I voluntarily surrendered the vehicle associated with this account to Wells Fargo, and it was subsequently sold at auction. Under the Fair Credit Reporting Act ( FCRA ) and relevant case law, Wells Fargo 's actions are both inaccurate and a misrepresentation of the facts.

Legal Basis for Complaint : FCRA Violation Inaccurate Reporting : Under 15 U.S.C. 1681s-2 ( b ), furnishers of credit information, such as Wells Fargo , are required to ensure the accuracy and completeness of the information they report. Reporting a voluntary surrender as a repossession is materially inaccurate and constitutes a breach of this duty. 

Case Law Accurate Reporting Required : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that furnishers have a responsibility to provide accurate information and that misleading credit entries are grounds for dispute under the FCRA. Similarly, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, clarified that inaccurate or misleading reportingregardless of the specific wordingviolates the FCRA. 

Voluntary Surrender vs. Repossession : A voluntary surrender differs significantly from a repossession, both in procedure and implications. Wells Fargos reporting fails to make this distinction, misrepresenting the nature of the account status and harming my creditworthiness.

This should not be reporting as a Repossession nor a charge-off.
Product: Credit reporting or other personal consumer reports

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made.

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that does not belong to me it is not mine I have not signed or used this account!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. 
Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete the account, or inaccurate information, from my file immediately & send me the results to the address. XXXX XXXX
Product: Credit card

On XX/XX/XXXX, someone made charges ( without the card present ) at a Best Buy location in XXXX Florida. ( I live in XXXX Ohio ).

One charge was for {$740.00}, the other for {$640.00}. 

I have text alerting on my account, so when the first charge alerted me ( {$740.00} ) I immediately reported it as fraudulent. On the phone with the Tier 1 customer support, I explained the situation and they said they'd cancel the card and issue a new one. The same day, the 2nd charge for {$640.00} came through ( when the new card hadn't even been mailed to me yet ). 

I received communications ( attached ) saying that they opened a case and were investigating. 
I called back again, and they escalated me to the Security Operations team. The person I spoke to then transferred me over to another team called the " Citi Consumer Protection Team ''. He cancelled that new card ( that hadn't even been mailed yet ), and issued another one. But then after I asked him how that could've even happened, he said that Best Buy ( the card is managed by citi, but it's the Best Buy credit card ) has a process where the employees can look up the card info for people if they don't have it, and it's possible that it was either an improperly trained employee, or potentially someone having a fake ID with my information on it. He then gave me reference number XXXX for my claim I have a Best Buy Rewards account which shows purchases on the account and where they were made and also gives me access to digital receipts. Attached are documents and screenshots showing the progression of events. The fraudulent purchases made the purchases at a Best Buy location in XXXX, FL, and then waited until the XXXX, and then exchanged one of the originally purchased items for different items at a 2nd Florida Best Buy location, and then waited until the XXXX, then exchanged the other items for store credit ( that looks like it's being applied to a gift card of some sort ) at a 3rd Florida Best Buy Location. 

Best Buy 's security operations team sent me a letter 2 days ago stating that " based on their investigation, they determined I'm responsible for the charges '' and one of the reasons they cite is that I didn't dispute the transactions. However, the attached paper trail shows that I did, and they acknowledged it. 

On top of that, I did actually use the card here in XXXX Ohio where I live on the day the fraudulent transactions occurred, once at the XXXX, Ohio Home Depot location, and at another grocery store called XXXX 's, the fraudulent transactions occurred less than 2 hours after that. I explained to them over the phone that would be physically impossible or me to use my physical card here in Ohio, and then be at a Florida best buy location less than two hours after that. The member of the Consumer Protection Team chuckled and agreed with me, and even said on the phone that the member of the Security Operations team " must be a new guy '' or " isn't doing his job right '' ( the calls are recorded, so that can be verified ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company several times about freezing my credit report and not sharing any information about me to anyone. I have submitted my Security Freeze request well over 45 days ago and submitted a new request and the company has still failed to place a security freeze on my credit report. I have attached proof of my identity below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported medical bills on my credit report which is a violation of my HIPPA rights. Reported to all 3 credit bureaus, XXXX, TransUnion, and XXXXx.
Product: Credit reporting or other personal consumer reports

IRS tax code identifies charge offs as gross income, triggering a 1099-C, and subsequently required to be reported on personal tax filing as such. I received a 1099-C for the below-mentioned debt. Therefore, I am disputing the accuracy of the following items on my credit report, as per the FCRA, these reports violate my consent and privacy rights, as I did not authorize my income to be reported in this manner. The accounts in question are 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 XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these inaccuracies and promptly REMOVE these items from my credit report as they violate my rights under the FCRA. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding a data breach at ( XXXX XXXX ) that compromised my sensitive personal and financial information, resulting in inaccuracies on my credit report and fraudulent activities. This breach occurred due to ( XXXX XXXX ) s failure to implement adequate security measures, which allowed unauthorized access to my personally identifiable information ( PII ). The breach has led to errors on my credit report that ( XXXX XXXX ) failed to properly address, in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the bureau did not meet its obligations under Section 611 of the FCRA to conduct a reasonable reinvestigation of the disputed information within the required 30-day period. As a result of this breach and the unresolved inaccuracies, I have suffered financial harm, including a reduced credit score, higher interest rates, emotional distress due to identity theft concerns, and considerable inconvenience. Additionally, ( XXXX XXXX ) s actions demonstrate noncompliance with FCRA provisions, such as Section 607 ( b ), which mandates accuracy, and highlight negligence in safeguarding consumer data.
Product: Bank account or service

Chase Bank personal banker ( XXXX XXXX XXXX ; XXXX, IL XXXX ) refused to grant my wife and I a joint checking account because I declined to provide them with all details of any and all assets, including their balance and banking provider. This refusal came despite my wife and I being existing customers of Chase Bank ( my wife has a existing personal Chase checking account and I have a Chase Freedom Credit Card ). I found the questions to be particularly invasive given we were not applying for a loan, but were wanting to open a joint checking account. Moreover, we are existing customers ( I myself have an unsecured credit card with them for {$17000.00} ). The banker stated that he needed all my asset information so that they would know how to best provide my with their various products. So basically I was not given a checking account because I declined to give them information that would permit them to market me their other products.
Product: Money transfer, virtual currency, or money service

I can provide speed pay receipts showing that I made a XXXX down payment with XXXX  days to make first payment. Covered maintenance and insurance. XXXX  XXXX XXXX XXXX payment : XXXX Customer Service Representatives we're calling before XXXX day period demanding more income/added XXXX to XXXX dollar fees for no reason/ added XXXX charges to account Not flexible to change billing cycle date ( acct has to be current ) to match XXXX XXXXXXXX XXXX stolen not repossessed Falsely reported me XXXX days late. 
Company will be paid twice after I invested a year in vehicle, resold to another consumer Can provide proof of payment and dates Needs to be refunded or removed from my credit report
Product: Credit reporting

This AFNI Inc Account does not belong to me. AFNI Inc informed me that this account was charged off my XXXX in XX/XX/2008. AFNI Inc has not provided any documents in regards to this Account.Please ask AFNI Inc to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to me.