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

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

Hello.. im very stressed about debt on my credit report that im not aware of. Never dealt with that company and never owed them a XXXX!
Product: Debt collection

XXXX XXXX, XXXX XXXX, continues to report on my credit report that I have a balance of {$780.00} owed. I wrote them a letter on XX/XX/XXXX of XXXX  asking to please send proof of this debt, provide me a copy of all of the information that was transmitted to the data furnished as part of their investigation. I never got a response however its still hurting my credit.
Product: Credit card or prepaid card

In short, we purchased furniture through a 48-month equal pay no-interest credit card offered by XXXX XXXXTD Bank. We have made every payment on time through autopay with our bank XXXX XXXX Everything has been fine, but around XXXX of XXXX, they started to recieve our payments late and charging us late fees. We called and moved up the payment another week in our system. Still, they received late. We called again, moved it up another week, and still, they charged us a late deposit. At this point, after calling and trying to work it out, it is clearly intended to make money, or they are completely incompetent. They owe us over {$130.00} in late fees that frankly were not sent out late.
Product: Debt collection

There is two charges on my credit report from XXXX XXXX XXXX XXXX / I C SYSTEMS one for {$660.00} and the other {$440.00}. 

The dates open wasXX/XX/XXXX andXX/XX/XXXX. The company has negatively impacted my credit reports.. 

I have filed a theft of identify report and attached it a police report and updated the XXXX site with a theft of identify statement : XXXX XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$440.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$660.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The CFPBs findings indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I LOST MY PURSE IN A NIGHTCLUB THAT INCLUDED MY PERSONAL INFORMATION. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NO AFFILAITION WITH OR KNOWLEDGE OF. I HAVE NOT AUTHORIZED ANY OF THE ACCOUNTS AND/OR TRANSACTIONS. I ALSO SEE CREDIT INQUIRIES FROM XXXX AND XXXX XXXX. 
I CONTACTED THE CREDIT BUREAUS AND ALERTED THEM OF THESE ACCOUNTS WITH NO FORMAL RESPONSE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IS IN VIOLATION OF XXXX XXXX XXXX FURTHERMORE, FURNISHING INFORMATION TO MY PROFILE RESULTING IN IDENITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three bureaus for the past 5 months in reference to several fraudulent request for credit that showed up on my credit report in the inquiry field. There are over XXXX inquiries within this 5 month span and this was not authorized by me the consumer. I have called them numerous times, i have filed a police report, i have submitted documentation and letters to them advising the information was fraudulently requested with my personal information after my identity was compromised. 

My entire credit file with Experian was compromised and was showing up with me as being XXXX. XXXX had many security breaches and this bureau was assessed along with XXXX. 

With all the security breaches with the bureaus, you would think their customer service would have improved but nothing has occurred at all. 

I need some assistance in this matter as it negatively affecting my credit file. I have a fraud alert on my credit file, a credit freeze, and regularly visit the sites to see if anything has happened. 

Please provide some assistance in this matter. 

Thank you
Product: Checking or savings account

We were charged fees for not maintaining a " daily minimum '' balance which never was part of our original agreement, they informed us that they no longer are supporting the type of account we were under and switched us over to another type of account of their choice without our permission and started charging us {$15.00} a month if at any time during the month the balance fell below a certain amount. Originally we never agreed to any such thing. We went in person to ask about it and the banker claims he switched our account over to another type of account that would lower the minimum balance to a reasonable amount but would not return any fees already accounted for. we agreed to the new account, yet the fees are still being charged on our accounts every month even though we are well above the minimum balance!
Product: Credit reporting or other personal consumer reports

Between XX/XX/2024 and XX/XX/2024, an inquiry made by JPMCB CARD SERVICES was added to my credit report resulting in dropping my score XXXX points. Reached out to card services with no response.
Product: Payday loan, title loan, or personal loan

Two personal loans were provided to an individual using my name - identity theft. Upstart did not provide an accurate verification process ( proof of address, such as property tax statement or utility bill, proof of employment, such as paystub or 1099 ) and provided individual with ( 2 ) loans in amount of {$19000.00} and {$22000.00}. The loans were provided in XXXX of XXXX and I was notified in XXXX of XXXX they were in default. All 3 credit bureaus were alerted of same and my credit score has decreased dramatically. I have contacted Upstart via telephone, ( 2 ) overnight letters and have filed police report, filed report with FTC and contacted all 3 credit agencies with account freezes in place. Upstart has provided no response. I am now contacting an attorney. I am reporting this company as they are providing loans to individuals identifying as others without a required verification process and this is a violation of law.
Product: Credit reporting or other personal consumer reports

Ive been working hard on my credit, but I just noticed that the account XXXX XXXX XXXX XXXXXXXX With number XXXX is showing up as CollectionOrChargeOff on my report. You listed it as opened on XXXX with the last activity on XXXX, but I know thats not true.This mistake is really making it hard for me to reach my goals, like qualifying for a loan or getting a better interest rate. Please remove this account and provide proof of the {$1600.00}, since I definitely dont owe it. Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.
Product: Credit card

I applied for and was approved for a capital OneXXXXsecured credit card. The XXXX  card was supposed to arrive by XX/XX/year>. I called Capital One the first time and she said to give it until Friday. I was given grace, but it never arrived so a week later I called capital one again, and since I never received they issued a replacement card. The replacement card shipped on XX/XX/XXXX and I received an email that it should arrive by XX/XX/XXXX. I called Capital One again on XX/XX/XXXX in the morning, the guy stated that I would receive it today. I checked my mailbox yesterday ... empty, no card!!
Product: Credit reporting or other personal consumer reports

I formally notify and submitted disputes to XXXX, XXXX, and XXXX regarding an account that I know is inaccurately attributed to me. I've requested that these credit bureaus provide any documentation they have to verify that this account legitimately belongs to me, which I am confident it does not. 

Upon reviewing my credit report, I discovered a utility bill associated with my name at an address where I have never lived. This discrepancy is concerning and raises questions about the accuracy of the information being reported. 

Additionally, I have filed a complaint with identitytheft.gov regarding this matter but have yet to receive a response. It is imperative that these issues are addressed promptly to protect my credit history and personal information. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

P.S. I also submitted a dispute to the debt collection company by the name of Bull City financial.
Product: Credit card

Chase benefit travel insurance, filed a claim and submitted all documents XX/XX/year>, the claim is still in process the representative states documents have not been uploaded, however they have been uploaded. I wait hours on line to be transferred to a manager. They have no intention of connecting you to a supervisor and place you on holds. Beginning to think this is fraud from all the other complaints online. Mind you this is for {$92.00}, and so now its about the principle.
Product: Credit reporting or other personal consumer reports

The payment history for account XXXX is absolutely inaccurate. I contacted the creditor to inquire about the payment history, and they informed me that the credit reporting agencies are not correctly furnishing the information that the company is providing. Please explain how you first reported this account 30 days late in XX/XX/XXXX, then 30 days late again the next month? You are also reporting 30 days late in XXXX after you already reported it 120 days late which is not correct. Due to your obvious gross misconduct and false reporting, I demand that reporting of this account is ceased until further investigation is completed. This is a fair warning before I am obligated to move forward with legal action due to the clear errors on my consumer report. I have attached my credit report to show the many inaccuracies and inconsistencies between the XXXX bureaus. You are to remove all late payments from this account or remove this account altogether within 21 days.
Product: Debt collection

I had taken out 3 loans with Ally lending. They sent me detailed communication on how to enroll the first loan account ( XXXX XXXX XXXX XXXX ), but I received no communication on how to enroll the other two accounts. I did not even receive the account numbers for the two accounts.

I started receiving text messages that my payment was overdue. None of the text messages mentioned on which account was my payment overdue. When I logged into their system, I could see only 1 account and the payments were being made on time. Which confused me. I started receiving more texts. 

I then had to call customer care on XX/XX/2021 to find out the other account details, enroll them and then pay the loans off. The account representative 's user name is XXXX. 

In summary, while I received detailed email instructions on how to setup payment for the first account, I did not receive any communication for the other two accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting

I have been dealing with all XXXX credit bureaus for almost a year. I also reached out to the companies reporting to validate the debt and neither one has done so. I gave them over 30days and nothing. XXXX act XXXX XX/XX/2010 and XXXX XXXX act XXXX XX/XX/2010 I want them both removed from all reporting agencies. I have disputed them so much that I ca n't even dispute them any more because they have supposidly been investigated but I have yet to receive any proof. Under law they had 30 days to show proof or delete it. Neither has been done. Also they will fall off XX/XX/XXXX on there own because they will be 7 years old. It should not be that hard to get things removed that have n't been proven in 30 days. Sending me a letter for identity theift like these companies did isnt validating a debt.
Product: Credit reporting or other personal consumer reports

this is my second attempt to have accounts that are posted inaccurate information be removed. the first letters were not processed correctly if at all. The issue is the below accounts are not accurate and are not updating to display accuracy. These wrongful accounts are hindering my access to credit which is causing harm to my ability to take care of my family. this can lead to a lawsuit I may file in my jurisdiction if these accounts are not investigated and removed.

below is attached letters that i have mailed out today. 

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

In accordance with fair Credit Reporting act XXXX XXXX account has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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

I have filed multiple disputes over the last 2 years with XXXX, XXXX and XXXX requesting verification and the removal of the XXXX XXXX XXXX Helvey Associates, XXXX XXXX  and XXXX XXXX accounts. I have asked for the proof and method of verification from each credit bureau and they have not provided anything. On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX XXXX and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to Helvey Associates and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX and they did not respond. 
In Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. These accounts are in violation of not reporting 100 % accurate.
Product: Mortgage

" First American Title Company - Unethical Practices '' Today XX/XX/2023, during closing on the purchase of a new " XXXX '' house, First American Title Company required us to sign a document captioned " Acknowledgement of Receipt of Keys. '' Unfortunately, after we signed the documents and submitted wire transfer for {$20000.00}, First Title Company did NOT deliver any keys to us. Instead, the Notary instructed us to return to First American Title to pick up keys on Monday XX/XX/2023. 
Effectively, we have been DENIED possession of the house that we closed on today. 
We notified XXXX XXXX that First American Title did not release the keys to us and we requested that XXXX " cancel '' the mortgage/loan. XXXX XXXX informed us that that Loan was " already Funded. '' The Closing Disclosures/Settlement Statement had multiple discrepancies which were identified PRIOR to Closing. I informed XXXX XXXX and First American Title about the discrepancies and requested that the errors be corrected PRIOR to Closing. We requested copies of the documents that we signed at Closing, but First American Title refused to provide us with the requested documents during Closing. First American Title said they would email us copies of closing documents, but they have NOT. Is this practice legal or ethical?
Product: Credit reporting or other personal consumer reports

Hello, I simply needed a letter staing I am not a current customer. They would not produce it. My closed account is still being reported late to the credit bureaus. They are forcing me to file a dispute to fix. I needed a letter today. I dpoke to 3 peopl 2 supevisors, with not imediate help. 



Thanks, XXXX
Product: Mortgage

I have been unsuccessful in getting Caliber to rectify a problem they created which has now put my mortgage loan into default. This problem started in XXXX XXXX, and I have had to resort to filing a complaint with the PA Dept of Banking which prompted Caliber to finally admit an error was made but only corrected some of the issues. The negative spiral that has occurred is all due to Calibers initial mistake and their refusal to remove escrow from my account even though they provided the amount needed to zero escrow balance in order to remove escrow. I have attached my chronology and pertinent documentation, and the actions I want Caliber to complete to resolve this issue. Below is a brief overview of the problem.

1. I closed in XX/XX/XXXX and voluntarily elected to have my mortgage escrowed 2. My township did not send any tax bills for XXXX 3. In XXXX, my township sent tax bills for both XXXX ( {$5500.00} ) and XXXX ( {$7300.00} ) which Caliber paid totaling XXXX 4. The XX/XX/XXXX escrow statement inaccurately estimated my XXXX taxes to be XXXX when it should have been XXXX. Caliber had also refunded escrow surplus to me when the XXXX taxes were not billed. The new XXXX  monthly mortgage payment was mistakenly more than double going from XXXX to XXXX per month. 
5. Since XXXX I have tried everything to get this fixed and requested/demanded that escrow be removed from my mortgage. Initially I worked with XXXX XXXX from XXXX and when she was not able get the problem resolved, I advised her and Caliber several times through email, phone calls and certified letters that escrow should be removed and I would pay principal and interest only ( {$1400.00} ) starting XX/XX/XXXX. 
6. Caliber has cashed each timely P & I check but considered it partial payment and has reported late payments to the credit bureaus which caused my credit score to drop XXXX points! 
7. In response to my letter of complaint with PA Dept of Banking, Caliber finally admitted their mistake and on XX/XX/XXXX revised the escrow statement to reflect XXXX. They also said that I was XXXX in escrow arrears and to remove escrow, that amount had to be paid. 
8. I immediately sent the XXXX but escrow has not been removed, my monthly payments have not been properly allocated to P & I, late fees generate have not been reversed and the derogatory reporting to the credit bureaus has not been rescinded. 
9. On XX/XX/XXXX Caliber generated a letter that stated my loan was in default 10. My taxes are due to the township by XX/XX/XXXX. I will be making the tax payment to the township directly. Caliber should not be making any payments for taxes or insurance.
Product: Checking or savings account

Chime closed my account with {$3600.00} in it without reaching out to me first. I called them and they told me that I need to send an email because they have limited access to it information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit an kept getting denied due to information is incorrect in the database system now allowed me received anything credit from leaders false information being reported untrustworthy activity
Product: Payday loan, title loan, or personal loan

AFTER A FUDGED BEGINING, AFTER I TOLD THEM I DID NOT WANT IT, AT TWO OFFICES, XXXX XXXX AND XXXX XXXX XXXX WITH A PHYSICAL NOTE TO THE FOND XXXX XXXX OFFICE ( BUT ORIGINATION WAS A XXXX XXXX I FIGURED MAYBE THEY WOULD PAY ATTENTION TO ME ) THAT I DONT WANT THEIR LOAN ONLY AFTER THAT THEY SAID THEY SENT A CHECK IN THE MAIL. 

RIGHT AWAY I SAID THAT IS LIKE THROWING ITIN THE AIR SINCE MY EX AND A WOMAN GO INTO MY MAIL BOX THAT IS 1/4 MILE FROM MY HOME AND WITH A HILL INBETWEEN SO I CANT SEE WANT IS IN THE MAIL BOX. I NEVER GOT IT. SO I TOLD THEM THEY NEED TO SEE IF AND WHERE THE CHECK WAS CASHED. I ALSO GAVE THEM A NOTE ON THAT. 

I SWEAR I NEVER RECEIVED IT. i NEVER GOT A RESPONSE IF THEY FOUND OUT ABOUT THE CHECK!!! YET THEY ARE CHARGING ME HIGH INTEREST AND NOW MAJOR THREATS TO MY ASSETS. IT IS LUDICROUS THEY ARE DOING THIS. PLEASE TELL THEM THEY MUST FIND THE COPY OF THE CASHED CHECK TO SEE WHO CASHED IT!! THEY ARE RUINING MY CREDIT NOW WHEN I AM ABOUT TO REFINANCE MY HOME!!
Product: Debt collection

I applied for a HELOC in XXXX. I maintain a good on time payment with the exception of one late payment back in XXXX XXXX XXXX which was an oversight on my behave. However, I have always kept up with my account through online banking. Santander bank has never mailed me a statement to my current address.The issue started in late XXXX XXXX XXXX when i was unable to access my online account to make payment. The password was disabled where i discovered the account was locked. I proceeded by calling the bank to find out why my account was locked due to owing money to the saving account of {$55.00}. I never received a notice of this late payment by mail or an email on this matter not even a phone call. I paid the amount owed and matters became worst when i was told i owe {$1400.00} on my HELOC. I have paid XXXX payment and wondered how did i owe this much money. I was told my payment is XXXX each month. for XXXX and XXXX 's payment. I responded to the the customer rep. asking them on why i was n't notified. They claimed i was mailed the information. After questioning them further to find that did n't have my correct address on file. We updated the information and then they proceeded on when i going to pay this amount. I kindly responded in telling them i cant this entire amount. I applied at the time XXXX towards the amount and paid another XXXX later. I spoke to a member of the single point of contact to help in resolving this matter as well explained that i cant afford XXXX per month and that I 'm too far behind to catch up. I filled out a hardship form with documents to which i qualified for but have not received a call back or an email on this matter. I keep getting phone about payment and threatening me on foreclosure. As well posting these late payments on mt credit report to where i ca n't refinance to payoff if necessary. I still have not received an statement in the mail on this account.