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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting ITEMS as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable ITEMS and delete them immediately in my report : 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>
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX  line of credit in good standing for {$5000.00} has dropped off this credit report causing my credit score to significantly drop. There was no rain for this to be dropped
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX repeatedly marked my account as " late '', charged a late fee, additional recovery fees and reported the account as late to the credit reporting agencies, despite the knowledge and agreement to change the due date on the account to mid-month. XXXX XXXX XXXX, did not adhere to policies regarding the change of due date, regarding payment agreements. XXXX XXXX did not do their due diligence in changing the required information and alerts, so that it would not be falsely reported to the credit bureaus. When the due date changed to the XXXX of the month, the account alerts should have been updated to reflect that important change. Otherwise, allowing the change of date is completely redundant and posturing, in order to appear to the authorities that XXXX XXXX XXXX was being flexible, at the time. XXXX XXXX XXXX should rescind the late charges, reports to the credit bureaus, from the time the arrangement of mid-month due dates was made. XXXX XXXX XXXX also refused to acknowledge a payment and continued to collect late charges and reported late payments to the credit bureau. I have provided official documentation from my credit union to support this, XXXX XXXX XXXX has not responded or attempted to remedy the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax regarding a new address on my credit file which differs from the information they have. I called the phone number provided to inquire and provided name, address, SSN, DOB, and was asked to provide additional information. I then provided credit card information such as issuing bank, last statement balance. Then I was asked to provide previous addresses, employer and previous employers and was still told that I could not receive my free credit report, even though I asked that it be mailed to my home address. The issue here is that Equifax sent me the letter about an address change. I have lived at the same address for 40 years. The address they had on file is my work address. How did they get that information and why do they have incorrect information in my file. I can not even get a copy so I can dispute the information. I filled out the information in their online credit report request site, but received the message that the report could not be downloaded at this time. Equifax refused to give me my free annual credit report as required by law. They would not mail it to my home and it was not available for download.
Product: Debt collection

This company assigned XXXX XXXX XXXX XXXX on XX/XX/2020 to handling the account # XXXX I dont know this company I never have a business with them. I want cease and desist all collection activity for this account.
Product: Credit card or prepaid card

I received my first bill for XX/XX/2022 It stated my due date was XX/XX/22. I tried by phone and email to change the due date and couldn't. I requested every month on the XXXX. I borrwed {$25.00} and made my first payment. I called today to change it for XXXX and was not allowed either. It says in their paperwork that it takes 5-7 days to process a payment. That's why I asked for the XXXX of the month. 
I get Social Security Benefits paid on the XXXX of every month. This creates a late charge for every payment I miss on the first.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccuracies on my credit report concerning an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable credit reporting. I have identified the following issues : XXXX. Inconsistent Account Details Across Credit Bureaus : Account Type Detail : XXXX and Experian report Auto Loan. 
XXXX reports Recreational merchandise, which is inconsistent with the other bureaus. 
No. of Months ( Terms ) : XXXX reports 85 months. 
Experian reports 72 months. 
XXXX reports 0 months. These discrepancies may lead to confusion for lenders reviewing the report. 
XXXX. Improper Reporting of Account Status : XXXX shows a last reported date of XX/XX/XXXX, while XXXX and Experian both show XX/XX/XXXXXXXX Such inconsistencies indicate a lack of synchronization and proper updates across bureaus. 
XXXX. Contradictory Payment History : All bureaus list the account as Closed or Paid with a {$0.00} balance, yet the payment history includes several 30-day late marks. If the account is resolved and paid in full, late payments should no longer appear unless they were valid and verified. 
XXXX. XXXX  Misleading Comments : XXXX adds Closed or paid account/XXXX  balance alongside Recreational merchandise, which differs from the comments on XXXX ( Closed ) and Experian ( blank ). This inconsistency could mislead creditors. 
XXXX. Failure to Update or Resolve Disputes : If disputes were filed previously and no corrections were made, this may indicate improper investigation and resolution by the credit reporting agencies.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must maintain accurate and consistent reporting. The discrepancies in account type, terms, and status violate this requirement. 
XXXX. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If disputes were submitted and the inaccuracies remain unresolved, this reflects a failure to investigate properly. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The furnisher ( XXXX  XXXX  ) may be reporting inconsistent or incorrect details, violating the requirement to provide accurate information. 
XXXX. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Late payments may be improperly retained, especially if they occurred more than seven years ago or are unverifiable.
Product: Checking or savings account

Cash App scam. {$45.00} was allegedly accidentally sent to me so I sent it back to the sender. Then a dispute was filed with Cash App by the person who sent the {$45.00} and Cash App deducted the {$45.00} from my bank account which caused a {$30.00} overdraft charge, therefore I closed my Cash App Account on XX/XX/XXXX, thinking that would solve it. I also chatted with Cash App online and made them aware and was told by Cash App once its refunded, thats it. I let it go since I closed my Cash App account. Today, XX/XX/XXXX, I checked my bank account and another {$40.00} came out. I called Cash App and told them it was fraudulent. He said there hands were tied and the charge was disputed again by the same person. I told him I was more worried about this stopping as there XXXX be 50+ charges that he could dispute and I need to know how to stop this scam from continuing as my Cash App account was closed XX/XX/XXXX and Cash App charge is continuing. He told me that his hands were tied. Ive been to my credit union today, cancelled my debit card, and disputed the charges.
Product: Credit card or prepaid card

I opened an account with American Express under the following terms, as confirmed by their own customer service representative and in my card contract : " XXXX bonus miles after {$2000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus miles ( for a total of XXXX bonus miles ) after an additional {$1000.00} ( for a total of {$3000.00} ) in qualifying purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. A {$50.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. '' The terms of this offer were met by XX/XX/XXXX. As an example, I spent {$2200.00} in my third month of card membership ALONE. My account was not credited with the award miles within the one-two billing statements quoted in the contract. I opened an issue with the customer service on XX/XX/XXXX. I was told to wait 6-8 weeks for this to be resolved. During this time, I never received an update or resolution. After opening an initial complaint with XXXX, I received a letter in the mail " response '' that essentially asked me to continue to wait. After 8 weeks had passed, I again checked on the status of my issue. I was informed the case was closed as a result of me contacting the XXXX. I was then told to wait an additional billing cycle. This was on XX/XX/XXXX. My next billing cycle began XX/XX/XXXX. I contacted the company today, XX/XX/XXXX. American Express now states that their resolution team is working on the issue and will contact me when there is a resolution. There is no quoted timeline for resolution, despite having had over 12 weeks to work on this issue. The resolution of this issue is very simple. All that needs to happen is for an individual to look at my first three credits to confirm that I spent well over {$3000.00} on this card in the required time frame. This should take less than 5 minutes. There is absolutely no reason this could not have been accomplished in the last 3 months. I feel American Express has not followed through on their terms of the contract, is using stalling and stonewalling techniques to continue their lack of follow through, and has not made any forward movement on this simple, outstanding matter.
Product: Credit card or prepaid card

In XX/XX/XXXX my Bank of America credit card charged me the annual fee. I had not used the card in months. I was not expecting to have a payment due because I had not used the card. 

The email address on the account was outdated and the payment notifications went unnoticed. 

I had over 10 years of history with Bank of America. I had impeccable credit above 850. I never missed a payment. 

Bank of America sent email alerts of the payment due. Then reported the missed payments to the credit bureau in XX/XX/XXXX without notifying me via mail first. 

Again I had not used the card to make a purchase and would never have intentionally missed a payment. It was an honest mistake. As a result of the reported missed payment my credit score is much lower.
Product: Checking or savings account

My IRS tax return was sent to a closed account and the bank refuses to return the check back to the IRS.
Product: Debt collection

XXXX XXXX agent for solar panels approached us and assured us to install solar panels and that we were not going to pay to the electric company. Installation of solar panels was completed on XX/XX/year> and I made XXXX payment {$150.00} on XX/XX/year>. Same time I keep getting very high bills from XXXX 's electricity provider. I approached XXXX XXXX and XXXX till today NO response. 
I am suffering because of false statements there no response at all fastrac emailed me that fastrac was just an installer I approached XXXX and it emailed me a contract that I had not signed or even seen before. 
XXXX report to credit company and my credit dropped it's not appropriate, its not the way to do business kindly help me
Product: Mortgage

I have mortgage account with Roundpoint Mortgage and have an escrow account setup with them where they collect monthly payments for insurance premiums and once a year they are supposed to disburse payment to insurance company from the escrow account. My insurance is through XXXX XXXX XXXX XXXX. I also have credit card on file with XXXX XXXX XXXX XXXX ( XXXX ). I noticed while Roundpoint was collected monthly escrow payments through EFT from my checking account, XXXX was also charging monthly premiums on my credit card. I also noticed on XX/XX/2023 Roundpoint had mailed a check to XXXX in the amount of XXXX. When I found in XX/XX/2023 that I called XXXX and spoke to my account rep XXXX XXXX ( XXXX XXXX XXXX ). She responded back saying check was never received. I had to then go back and forth with Roundpoint and XXXX numerous times and till date this has not been resolved. During one of my calls with Roundpoint on XX/XX/XXXX I spoke to XXXX who after putting me on hold verified check was not clear and said she is going to wire the funds again to insurance and upon receupt insurance should refund me seeing a duplicate payment. She insisted the can issue the refund directly to me. She also said based on her conversation with XXXX  rep I should be getting refund within 7-10 days as wire would be received immediately. After couple of weeks when I contacted XXXX at XXXX again I was advised they never got any wire from Roundoint. I had to call in again on XX/XX/XXXX and after long hold the agent at roundpoint told me they had not wired ( agent could not advise why I was told they wired earlier ) as XXXX  can't receive wires and that they will have to mail the check. Agent spoke to someone named XXXX at XXXX who apparently gave them different amount of XXXX. I was aphalled at this, how did the come up with this amount because it was paid in full XXXX while I was also paying monthly premiums every month to XXXX  on my credit card. I relayed this to XXXX to investigate. Today ( XX/XX/XXXX ) she responded saying they are setup to recceive wire and she checked in the backoffice with two XXXX and none of them had that conversation. I have been going back and forth with insurance broker and mortagor for over 4 months now with no resolution. Both parties should have a system to automatically detect inconsistencies ( duplicate payment and so on ) and as a consumer I should have to find manually and chase two parties like this specially when there is an escrow fund involved. Please help by resolving this matter and getting me refund for exta payment paid in XX/XX/2023.
Product: Credit card

They did the worst job with Dispute  # XXXX. I tried with XXXX for the first time for my XXXX XXXX trip. It was supposed to be a 1-bedroom apartment that was advertised as CLEAN. However, that was not the case. The place was full of the little bugs, anywhere on the floor, bedroom, and bed. The bed featured dead bodies of bugs and moving bugs. I was able to find the bugs anywhere and any second. We were forced to find an immediate place to stay that night, and we stayed in that unit for less than 2 hours. 
After complaining to the host the next day, she canceled our reservation without confirming with us that we wanted to cancel at all!!! She also refused to reply to my messages all the time and only replied when I complained to XXXX about no answers. And of course, this scammer refused to refund me anything. 
As a consumer and customer of Discover, I thought I had Discover at my back, but I was wrong. After submitting all the evidence that the unit was full of bugs and the host 's cancellation without confirmation, Discover still trusted the host and decided to charge me the full amount for a bug-filled unit that I stayed for less than 2 hours. OR they are saying we ABSOLUTELY SHOULD live in such a place and all human beings SHOULD be living with bugs all that time. Discover would be among the worst credit card companies with the worst support to their customers in resolving cases for service that did not receive issues.
Product: Credit card or prepaid card

Employee claims secured credit card was denied because of collection accounts on personal credit report. Secured card states that it is to rebuild business credit personal credit is irrelevant
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company multiple times requesting documentation that proves they had permissible purpose to obtain my credit report. They have not provided any documentation so I am moving to sue this company. As such, I am filing a complaint to add to the documentation to be submitted to the court. 

I sent my original letter XX/XX/2019 via certified mail. I received a generic answer back explaining that they received an application. I requested proof of the document in question and was provided with no evidence of the same.
Product: Debt collection

This company has been harassing me. They call anywhere between 3-5 times a day and make threats of legal action and has used profane language.
Product: Checking or savings account

Company closed my checking account on XX/XX/2022 and have not given me a written reason as to why and they have not allowed me to retrieve my funds from the account. I have emailed and called multiple times and only reason they can give me is " they are working on it. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems has failed to properly investigate an account listed on my report from XXXX XXXX. I've sent Chexsystems a copy of the police report to indicate I've been a victim of ID Theft. They originally told me that they would block the fraud account from my record but failed to do so. 

I feel very discriminated from chexsystems and felt like I've been unfairly scrutinized and mistreated from chexsystems.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

A dispute was filed with XXXX  XXXX  and Equifax ; but after the investigation only XXXX   removed the account from my credit file. XXXX  and Equifax still have not removed this account from my credit file. This needs to be updated and removed as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing CFPB to formally request the removal of a debt associated with XXXX XXXX XXXX XXXX XXXX from my credit profile on XXXX and Equifax XXXX The account in question is being reported under the following details : XXXX - XXXX XXXX XXXX Account Number XXXX Debt Amount {$580.00} Equifax - XXXX XXXX  XXXX Debt amount {$580.00} Please be advised that XXXX XXXX XXXX, located at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, is not authorized to collect debts in the state of XXXX according to the information provided on the NMLS Consumer Access. As a result, this debt should not be legally enforceable within the state, and thus, should be removed from my credit report immediately. 

I request that you investigate this matter and remove the debt from my credit profile. If you require any further information from me, please do not hesitate to reach out at the contact details provided above. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this debt has been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

In XXXX of XXXX we ordered four XXXX from XXXX. We were instructed to wait until all of the phones arrived before we go and activate them. The first three phones arrive and then the last phone never arrives. We reach out to XXXX to see where our fourth phone is located so we can proceed in activating them and are in instructed that our account has been locked for fraudulent account activity since we haven't activated the phones. Mind you, we were following the instruction of the XXXX associate. We finally receive the fourth phone in mid XX/XX/XXXX and proceed to the store to get the phones activated. We then find out that our numbers will not port into their system ( which should have been a step the XXXX associate confirmed before any phone ordering happened ) and determine that we are no longer interested in XXXX service. We work with the XXXX store manager to receive a full refund of all of our charges since none of the phones were used and were returned in unopened boxes. I have all of the receipts that show this credit. I assume everything is in good order and receive no further communication from XXXX. Fast forward to XX/XX/XXXX, I receive a bill from XXXX claiming I owe roughly $ XXXX when I have returned every phone and have all of the receipts indicating my account has been credited in full. I have been working with a customer service associate at XXXX and she has continually confirmed that this balance is not accurate and I in fact do not owe anything to XXXX. I can also provide documents of all of that communication. I appreciate your attention to this matter.