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

I have disputed for 4 months with no results andy rights being violated as a consumer. I found multiple inaccuracies and FCRA violations which i brought to each bureau 's ( XXXX, Equifax and XXXX ) attention and Not only did they not delete these accounts but they never sent me a response at all within 30 days after receiving my disputes. 

I have attached the accounts with all the violations listed with pictures of these as well. 
According to THE FCRA these accounts must be deleted but for some reason these companies think that they're above the law and dont do what is required of them. 
These accounts are creating damages in my personal and financial life due to their false reporting and I need it fixed immediately please.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account information was sent to credit bureau in default of lowering my balance. I had no idea, my credit score was being affected by adjusting my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, Equifax and XXXX   have not removed this from my credit report. I have contacted the bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card

Apparently, Kohls was taken over by capital one. i received a letter indicating i had a " new kohls rewards visa '' and that the " new earning power '' would start on XX/XX/year>. this mailer came with {$15.00} kohls cash. A few days later, i received a new bill from capital one/kohls telling me i owed XXXX with a new interest rate of 31.24 %!!!!!! THAT IS THEFT. First of all, i do not believe i owe this amount but i can not tell you for certain because they will not let me log in to my account. the last time i used the card I believe it was XXXX or XXXX for less than {$230.00} as I was purchase some on sale fiesta ware for my mom. i have been trying to access my account to pay any remaining balance immediately due to that insane interest rate. they are charging me interest rate while refusing me access to my purchase history, XXXX think they transferred an amount much more than what I actually owed and now they are charging me insane interest and won't let me access my account to pay off the small amount. when i called the number on the letter from capital one and asked that my last purchases be text to me, all they test me wasXXXX : interest charge {$16.00}, XX/XX/year> automatic XXXX and the same for XXXX. i then sat on hold to talk to someone who repeatedly told me he couldn't " find '' my last purchase for product and only could see interest charges. when i told him i absolutely needed my last purchase because I could not get into my account, he put me on hold, let me sit for XXXX minutes then disconnected me .when i try and access my kohls charge online i repeatedly get this message, " this user account is locked, please reset your password. '' i reset my password, and get XXXX same message. when i finally get in, it says, to access your statements connect your new card and will not allow this either. I want to pay off this amount, get a refund for at least the last month interest charge, and verify my amount owed. I did not have a XXXX plus balance on my kohls card. this is fraud being committed by a massive corporation. XXXX only knows how many people they are doing this to.
Product: Credit reporting or other personal consumer reports

First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy.

In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that this account be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. 

XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I request acima leasing for debt validation proof!
Product: Credit card or prepaid card

On XX/XX/XXXX, I reviewed our Chase Visa rewards, totalling some XXXX or so points, equal to XXXX  about {$240.00}. I elected to have a {$200.00} Amazon gift card digitally, with the remainder going against the balance. On XX/XX/XXXX I received a Your all set! email from Chase Visa, referencing XXXX # XXXX and a digital gift card for {$200.00}. Most gift cards are sent instantly, it said, but In some instances it may take up to 48 hours. The remaining {$43.00} went against the balance. 
On XX/XX/XXXX, having seen no gift card, I contacted Chase and was told, It can take from 5 to 7 business days, sometimes there are problems with the digital cards. There was nothing in my spam or junk email folders, and I continued to receive other emails and alerts from Chase Visa. I was told they would escalate the matter and to allow another 10 days due to that escalation. 
On XX/XX/XXXX, I called and again, this time being told, A new eCard was issued on XX/XX/XXXX, wait 2-3 business days. 
On XX/XX/XXXX, I called, getting XXXX in Customer Service. She said she would re-escalate the situation, with a request to have an actual card mailed out ; she too repeated that there were often issues with the e-cards. XXXX told me to wait until XX/XX/XXXX, the new escalation period. 
On XX/XX/XXXX, I called XXXX who said the eCard had been reissued, and requested I wait 2 to 3 more days, whereupon I asked for a supervisor. XXXX said she would reorder the card today and I should wait 2-3 days. If any issues at that point, I will cancel and order a hard copy of the card, she said. XXXX mentioned the division between customer service and Marketing, who actually sends out the cards. We dont see them, cant call them ; only email, which I cant give you. 
On XX/XX/XXXX I called XXXX, who said this was still in the escalation phase and passed me off to XXXX, a supervisor. She read the notes and took a long time commiserating with me, claiming to have filled out a complaint form, reiterating the division between Cardmember Service and Marketing. and that a new physical card should be coming via the US Mail soon. 
On the morning of XX/XX/XXXX I called XXXX, a supervisor who read my notes and informed me that only a digital card can be reissued ; I will have one of my own supervisors call you. That afternoon, I got a letter from Cardmember Service dated XX/XX/XXXX stating, XXXX XXXX redemptions are finalwe are unable to honor your request. 

At no point after the initial XX/XX/XXXX email did I receive any digital correspondence from Chase, only physical letters in the mail ; yet, they claim the only way to send me my {$200.00} is via email, despite repeated pleas from me that there is something wrong with how/where they are sending said digital card. I hope you can help me break this chain of obfuscation and delay. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited my paycheck on XX/XX/XXXX via an ATM at my bank US Bank. It was for a little over {$3200.00}. They told me that the funds will not be available until XX/XX/XXXX. The account is not new - I opened it just under 6 months ago. The account has over 30k in the account. The payroll check in question cleared my employers payroll account on XX/XX/XXXX. I know this because I work in accounting at my employer and have bank access
Product: Mortgage

A 40 year old mortgage has not been satisfied in the Recorder of Deeds office. 
The lender asked for a title search and copy of the mortgage to be mailed to them. 
After over 3 weeks the lender states that they have not received the request
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute with experian, because they were reporting incorrect information on my credit report. 

One item was not cleared in this dispute from XXXX XXXX XXXX XXXX, however, XXXX confirmed that they reported the loan was discharged with my XXXX XXXX  bankrupcty, but that experian reported their response to the dispute incorrectly. 

I called the bank to ask them if there was anything they could do. They submitted a manual change in the e oscar system, so I called experian to ensure this was received. When I called, the representative said they had never heard of the e oscar system. 

I filed another dispute with the representative on the phone at experian so XXXX could reply again. 

Today, XX/XX//XXXX  the second dispute was responded to, but is still not reporting accurate information. The updated report shows that my XXXX loan was still charged off, which is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALL EQUIFAX AND FILE FTC REPORT AND POLICE REPORT. THIRE IS 3 FRUAD Hard Inquiries. 

XX/XX/202XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX I HAVE SEND EVERYTHING TO THEM. THEY TOLD BE IT BE REMOVE IN 24 TO 48 HOURE IT NEVER HAPPEN OTHER AGENT TOLD ME IS NOT SHOW IT HAS BEEN REMOVE BOUT IT STILL THIER. JUST NEED THIS 3 FRUAD INQURIS BE REMOVE. THAT IS ALL.
Product: Debt collection

These debts were incurred by my wife alone. They have never been joint accounts, but RSH Associates in XXXX, KS are listing them as a joint accounts on MY credit file. XXXX was for a voluntary XXXX and XXXX was for mental health counseling while we not living together. I want these items removed from my credit file as they are not mine and I have no responsibility for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Bank account or service

Again, I lived in XXXX from : XX/XX/XXXX, until XX/XX/XXXX. ALL XXXX-Credit Agencies are reporting my ADDRESSES from THAT TIME ... ( ALMOST 5-YEARS ), as me STILL LIVING IN XXXX! How can I live XXXX, & have an ADDRESS ( OF LIVING ), IN THE UNITED STATES? Please have ALL XXXX-Credit Agencies, take off any & all PREVIOUS ADDRESSES, from that period of time .... ( XX/XX/XXXX til XX/XX/XXXX ). 
Also, make sure ALL XXXX-CREDIT AGENCIES take off ''AFNI COLLECTION AGENCY '' report of the FRAUD .... ( already filed a report or claim to your Agency : # XXXX ). 
I PAID this XXXX XXXX XXXX Mobile Cell Phone '' off, via my ''B.B. & T. Bank '', XX/XX/XXXX ... .for : $ XXXX-Dollars. Despite me paying this off, ( even thou I did ''NOT '' owe it ). After I discovered I DID NOT OWE THIS BILL, I ASK MY BANK TO REFUND MY MONEY OF $ XXXX-Dollars ... which they are yet to do. I have filed a Dispute with ''B.B. & T. Bank '', for the above amount. 
Even thou I paid this FRAUD OFF ... .. '' XXXX '' STILL IS REPORTING THIS ON XXXX '' & XXXX '', as still being on my Account, ( as PAID OR CLOSED ), BUT STILL LISTING THIS ''FRAUD '', on my XXXX-above Credit Agencies. I requested ' '' XXXX '' to take this FRAUD OFF OF ALL XXXX-CREDIT AGENCIES, & they XXXX '', has ''NOT '' done this, despite THEM telling me that they would. 

PLEASE TELL ''B.B. & T. BANK '' ... ... TO REFUND MY XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BB & T CHECK CARD PURCHASE {$320.00}. 

PLUS, TELL ''B.B. & T. BANK '' ... ... TO REFUND MY LATE FEE AS WHEN I DEPOSITED THE CHECK FROM : XXXX XXXX XXXX XXXX THEY ( WERE SUPPOSE TO DISCARD MY CHECK, AS I NOW HAVE XXXX VA '' ... .INSURANCE FOR MY WIFE & SON ... .. ( AS I 'M A XXXX VETERAN ). THEREFORE, I DO N'T NEED THIS XXXX. 
SO HAVE ''B.B. & T. BANK '' TO RETURN THE {$320.00} ... ... ( AS XXXX '' LIED TO ME ), THEY TOLD ME I HAD TO PAY THIS OFF!!! & THEY WOULD TAKE IT OFF OF MY CREDIT REPORT ... ... AGAIN THEY LIED ... .TO DATE THEY HAVE NOT REMOVED THIS ITEM FROM MY CREDIT REPORT. 
MAKE SURE ''B.B. & T. BANK '' ... ..ALSO RETURNS MY LATE FEE OF $ XXXX-DOLLARS WHICH THEY CHARGE ME AS WELL. 
Thanks, XXXX ... ... ... OVERDRAFT FEEGet this notice fast. Sign up for free BB & T Alerts. 

Printable VersionYour account had insufficient funds to pay XXXX item ( s ). BB & T paid the following item ( s ). 

BB & T ONLINE BILL PAYMEXXXX $ XXXXTotal Item Amount : $ XXXXTOTAL OVERDRAFT FEE : {$36.00} {$36.00} - $ XXXXXX/XX/XXXX Check XXXX XXXX XXXX XXXX XXXX # XXXX View {$140.00}. 

AT FIRST THEY ONLY GAVE ME CREDIT FOR $ XXXX-DOLLARS, DESPITE THEM KNOWING OR THEM TELLING ME, THAT JUST AS SOON AS I GET THE ' '' XXXX XXXX XXXX CHECK '' FOR {$140.00} ... ..*DEPOSIT THE CHECK ... .... ( BB & T. BANK ONLY GAVE ME CREDIT FOR $ XXXX-DOLLARS! ***MAKING ME OVERDRAWEN***
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over XXXX  days, I still have not received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have XXXX  days to respond to my dispute. 

This a violation of my rights.
Product: Mortgage

I had a major health issue due to failing XXXX and was on XXXX  and as a result missed a mortgage payment. I contacted Caliber my servicer to explain and to try and get them to work with me to reduce my monthly payment since I was having health issues and only able to work part time for a while. Caliber told me they could not help me and that I could not apply for a modification because I was only one month behind. I then sent in the monthly payment and added {$200.00} extra to go towards the missed payment from the month before so I could begin paying this down. Instead of applying the payment to my account, Caliber rejected the whole amount because it was not the exact amount of my monthly payment. When I tried to resolve this I was told that now I needed to pay 2 full monthly payments at once as well as late fees. When I told them I could not do that I started getting the runaround. Bottom line is that I went back and forth with this company for months and never even got them to review my paperwork. They never assigned a dedicated contact and continually misplaced and lost my information. Now I am facing a foreclosure sale date on XX/XX/XXXX. This is completely avoidable -- I have enough income to afford a fair payment, but Caliber, the recipient of hundreds of millions of dollars in bailout funds is ignoring me. 

I have owned this home for over 7 years and have not had issues with the payment until recently. I went through a painful and expensive divorce in 2014. Not long after I had an issue with a past employer and was wrongfully terminated and had to go back to work as a XXXX   for a time. I never missed a mortgage payment during these times, but all my reserves and rainy day funds were used to stay afloat. I have worked in property management for over 15 years and have a steady job and also receive rental income. I have the ability to afford a fair and reasonable payment. The purpose of this complaint is to get my case noticed and made a priority, because the Caliber agents have dropped the ball and not followed through and given me an opportunity to be reviewed for all government, state and internal homeowner assistance programs that should be made available to people in my situation. As explained, I had major health issues due to problems with my XXXX and was on XXXX and incapacitated while recovering. Less than a month after I missed my payment I began reaching out to Caliber to try and fix this, but still find myself facing foreclosure. This is wrong and I am asking that you open an investigation of their handling of my situation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I tried to remove incorrect addresses and accounts from report as I am entitled to according to the FCRA. Experian, would not allow me dispute those addresses or accounts despite me showing documentation that there were reports were inaccurate. I disputed via mail, phone, and online and have received the same results each method. Despite me asking for verification using the FCRA XXXX and other laws.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Last Reported : XXXX and TransUnion both report the last update as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This slight difference may not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : Transunion has a different account number, while XXXX and XXXX has the same. 
XXXX. Comments : o XXXX : Charged off as bad debt. 
o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o TransUnion : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : XXXX and TransUnion both show XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
XXXX. HIGH CREDIT : Is showing as {$0.00} on the XXXX report but is correctly listed as {$5600.00} on both the XXXX and TransUnion reports. 
XXXX CREDIT LIMIT : for XXXX XXXX reported as {$0.00} while it should be {$5600.00}, similar to TransUnion and how XXXX should have reported the high credit, this requires a correction as well. 

Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 
Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I paid the debt and submitted a dispute with the credit bureaus. I was told by the collection company that by submitting the dispute, they would have to re-open the debt. The reported the debt unpaid AFTER i paid it. This was XXXX. I reported them to cfpb and they immediately updated my credit file in all three bureaus to paid, this was in XX/XX/XXXX. Today, i checked my XXXX credit report and the balance was again {$310.00}!! This is pure retaliatory. They should be punished
Product: Credit card or prepaid card

I LIVE IN A ROOMING HOUSE, MY IDENTITY WAS STOLEN AND MULTIPLE APPLICATIONS AND INQUIRIES WE MADE FRAUDULENTLY UNDER MY NAME. MY ROOM WAS BROKEN INTO YEARS AGO AND ONCE AGAIN RECENTLY..I NOW HAVE PROTECTION SO THIS WILL NEVER HAPPEN IN THE FUTURE..
Product: Debt collection

TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM XXXX AND XXXX. I HAVE DISPUTED THIS ISSUE NUMEROUS TIMES WITH COMPANY AND STILL HAVING NO LUCK. I HAVE SENT A CERTIFIED DEBT VALIDATION LETTER ON XXXX WITH NO RESPONSE FROM THIS COMPANY. I AM REQUESTING YOUR SUPPORT IN GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT PER THE FCRA. THANK YOU IN ADVANCED FOR YOUR ATTENTION IN THIS MATTER.
Product: Checking or savings account

Please refer to my CFPB complaint " XXXX '' dated XX/XX/2018. 
Wells Fargo denied me the {$200.00} cash back bonus with the reason that the {$500.00} direct deposit should have happened for 3 consecutive months in the response to that complaint. 

Now please refer to the complaint ( XXXX ) of my spouse " XXXX XXXX '' to CFPB about the same Wells Fargo promotion. He also failed to have {$500.00} direct deposit for 3 consecutive months. But Wells Fargo honored the {$200.00} cash back bonus for him. Why there is a discrimination or different treatment by Wells Fargo for different customers? 

I had 3 direct deposit of {$500.00} during XXXX and XXXX and I have initiated the direct deposit again to this account now. 
Wells Fargo please honor your {$200.00} cash back bonus for me also.You have to treat all your customers equally.
Product: Credit reporting or other personal consumer reports

I noticed my bankruptcy reporting on my credit report around XX/XX/23 I sent out via certified mail to US BANKRUPTCY courthouse and asked them who gave my personal information to the XXXX credit bureaus and XXXX... the courthouse sent me a letter in the mail received XX/XX/23 stating they don't share my information with any credit bureaus or third parties. 
On XX/XX/23 I then certified mailed XXXX, XXXX, XXXX, XXXX sending them the copy of the letter from the Courthouse and a letter demanding they delete the unlawful reporting tactic. Which none of them have and I have also spoke to all three credit bureaus on XX/XX/23 and they are refusing to do so. XXXX rep stated they get their infor from Pacer.gov .. yet still it was NOT the US Bankruptcy Court
Product: Credit reporting, credit repair services, or other personal consumer reports

It is now obvious that the three credit bureaus, XXXX  in particular, has a scheme to drive down credit scores so that it can create revenue with high credit risk lenders. I will be contacting my attorney to file a class action law suit. 

1. I have sent them 2 letters from XXXX showing that they have removed a bankruptcy. The response from all three credit bureaus is that they don't have to reinvestigate. 

2. XXXX and XXXX XXXX XXXX  have charged off accounts back in 2015 and every month thereafter is reporting thirty days late. It is against the law to write off a debt and then proceed to report negative entries. 

3. XXXX XXXX Accounts were not disputed and were good credit tradelines and was removed from my file by all three bureaus so that my score would stay low. 

4. XXXX XXXX XXXX and XXXX XXXX were removed and then put back on my credit report. XXXX was never late and XXXX XXXX was never late, but yet still on my credit report. 

5. I have disputed the inquiries and was told by XXXX  that I must deal with the people who put the inquiries on there.