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

I have disputed XXXX XXXX XXXX on my XX/XX/XXXX/transunion/XX/XX/XXXXreport a few times now. They are reporting different things to each Credit bureau which is a discrepancy. I have provided proof of this and I have XX/XX/XXXX/transunion/XX/XX/XXXXto show proof of their investigation, not just the word of XXXX XXXX XXXX and I havent heard nothing back and when I do hear it something its oh its been verified which isnt possible since its reporting different dates and numbers.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, we tried to make a payment on our mortgage account which would have made the account current before scheduled transfer of the account to another mortgage company. Unfortunately, our online payment option had been disabled and we could not make a payment. We immediately called XXXX to try to make a payment online with a representative ( XXXX XXXX XXXX and were advised that we needed to make the payment online because the online portal was still up and active. Again we logged into our online portal to try to make a payment and were unsuccessful. On XX/XX/year> XXXX who no longer owned the account made a negative report to our credit and when we were notified by XXXX XXXX on XX/XX/year>, we called XXXX and spoke with XXXX XXXX. We asked them how could they report anything to our credit when they no longer owned the account and intentionally disabled our online ability to bring the account current. She put in a request to see if XXXX would remove or reverse the adverse reporting. We advised her about the letter that we had received from XXXX stating that we would be able to make payments on our account through XX/XX/XXXX, but that was clearly not the case. We disputed the negative report on our credit with XXXX and XXXX, who reached out to XXXX at which time they removed the 30 days late for XXXX but added a comment that the account was transferred but 30 days late. We have tried numerous times to get them to remove any adverse action reported by them because they did not comply with the letter in which they sent out to us as a consumer. On XX/XX/year> we spoke with an escalation XXXX by the name of XXXX to try get a different outcome and was told that the report made by them would remain as is. By her admission she stated that they had indeed disabled our account before XX/XX/XXXX and any payments made needed to be received in the form of a check by XX/XX/XXXX. That was no stated in their letter and we were advised that any form of payment would be acceptable through XX/XX/year>. Everyone that we have spoken to has constantly given a different excuse to try to justify the deceitful act done unto us by XXXX Mortgage.
Product: Credit reporting or other personal consumer reports

Describe el problema I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I set up a payment plan with my Ally Credit Card for {$17.00} per month for 6 months until I am able to regain employment after losing my job on XX/XX/XXXX. The Customer Service representative confirmed my Bank Account information and we agreed the first installment would be taken out of my account on XX/XX/XXXX and this payment plan would NOT affect my credit report. On XX/XX/XXXX, I received an alert from XXXX there was a change in my credit score. When I verified this change, my credit score decreased by XXXX points! Ally stated my account was a month late which was incorrect. With further investigation I found out Ally never processed the first installment of my payment plan on XX/XX/XXXX as promised thus I immediately made that {$17.00} payment on XX/XX/XXXX. I expect this was not done intentional and it was an oversite/error on their part. It should be noted, once Ally bought out XXXX ( the previous Company of this credit card ) in XXXX, I could not gain access to my online account until the 3rd week in XXXX which has caused issues thru out those past months in setting up my online account properly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting under 15 U.S.C. 1681e ( b ) To Whom It May Concern : I am writing to formally dispute the reporting of an account by XXXX XXXX XXXX XXXX, listed under account number XXXX, on my credit report. This account contains significant inaccuracies, and I am requesting immediate investigation and removal under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy of reported information. 

The inaccuracies in question are as follows : 1. Repeated Reaging of a Charged-Off Account : XXXX XXXX XXXX XXXX has been reporting this account as charged off on a recurring monthly basis. A charge-off is a one-time event and should not be reported as such repeatedly. This practice creates misleading and inaccurate information on my credit report. 

2. Failure to Validate the Debt : Despite multiple disputes, XXXX XXXX XXXX XXXX has failed to provide adequate validation or verification of this account. According to the FCRA, creditors are required to provide sufficient evidence to verify the accuracy of the reported information. 

3. Refusal to Issue a 1099-C : Since XXXX XXXX XXXX XXXX claims this account has been charged off, they are obligated to issue a 1099-C if the debt has been written off or canceled, as required by IRS guidelines. Their refusal to provide this documentation raises further doubts about the legitimacy of the debt. 

4. Inconsistent Reporting Across All Three Credit Bureaus : The account information reported by XXXX XXXX XXXX XXXX is not consistent across all three major credit reporting agencies ( XXXX, Experian, and XXXX ), further contributing to its inaccuracy. 

Given these violations, I request that the following action be taken immediately : Remove this account entirely from my credit report if XXXX XXXX XXXX XXXX can not provide sufficient validation or correct the inaccuracies. 

Consider this letter a formal request under the FCRA. I expect the results of your investigation within 30 days, as required by law. Due to multiple failed dispute attempts as well as failure to validate account correctly I have escalated this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. If not handled in a timely manner this account will be involved in litigation, I will also pursue legal action to ensure my rights are protected under the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

Account ( XXXX XXXX XXXX ) According to 15.USC 1681i ( 1 ) the Credit bureaus have to modify or delete accounts that are nor reported accurately According to 15 1681 ( 1 ) the Credit bureaus don't have no written permission According to 15 USC1681s-2A a person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and conformation of errors A person should not furnish relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notice that specific information is inaccurate. 

I can go on and on The Credit bureaus no respect for laws. 
Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

XXXXXXXX XXXX XXXX- received an interest charge refund in the amount of {$8900.00} to our Wells Fargo Autograph card. 

XXXX XX/XX/2024 - called WF customer service to request a credit balance refund to be transferred into our WF joint checking account. Was told it would take 7-14 days to receive. 12 CFR 1026.11 ( a ) outlines timeliness of these requests, whether it be oral, electronic or written. ( i. Refunding any credit balance to the consumer immediately. ; iii. Refunding any credit balance upon the consumer 's oral or electronic request. ) WF is already in violation of this Truth in Lending Act with their " 7-14 days. '' XXXX XX/XX/2024 - called WF customer service for a credit balance refund status. Was told it could take up to 14 business days to process. I informed of the violation of 12 CFR 1026.11 ( a ). The representative apologized but said there was nothing he could do. 

XXXX XX/XX/2024- ( officially 14 business days ). called WF customer service for a credit balance refund status. First representative told me it would take 14-28 days and has to be researched since it's over the amount of {$2500.00}. We would then be issued a paper check, not electronic transfer. The second, higher level, representative assisted in placing a case number with WF and proceeded to say the credit balance refund could take 30 days. She was unable to tell me whether the action had been processed, whether a check had been mailed, or why it had to be researched. The funds originated with WF, have never left WF and are not being asked to.

Note : current credit balance is {$8600.00}
Product: Money transfer, virtual currency, or money service

The  XXXX   XXXX  settlement case. Turned in my car on   XX/XX/XXXX ,   promised that Chase would  pay $ 12,000+.  It is now   XX/XX/XXXX ,  my  XXXX  settlement account is blocked and I was told that Chase would call. They never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

received an email about me opening an account at Truist Bank, I tried calling to report the fraud, I have sent emails and no one has responded. 
Now I got a letter saying I requested overdraft protection. I did not open this account.
Product: Credit reporting or other personal consumer reports

Im writing today because some information reporting on my credit file accounts such as open XXXX XXXX XXXX and XXXX XXXX XXXX is reporting late payments, which I have statements down below to show I wasnt late, Im asking your company to please immediately remove these late payments. These late payments are damaging my credit report and for me to obtain future credit as well..

I have statements for XXXX credit card where is shows I did indeed make payment for XX/XX/XXXX And for XXXX XXXX bank # XXXX I have statement as well showing I made payment for XX/XX/XXXX XXXX XXXX acct- # XXXX XXXX  XXXX acct # XXXX Thank you
Product: Credit card or prepaid card

jc penny/synchory bank offers a discount on line to apply for credit card.. gives a bogus number cvc tells me with out physical card I cant get discount.. yet the card will take the purchase..now they have accessed my personal info giving me credit and refusing discount w/o a card?? XX/XX/2018 on phone over an hour. I have had issues with jc penny before cancelled there card.. obviously nobody has reported them enough for it to stop
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have been disputing incorrect information on my report. Equifax has only send me back a full credit without any response concerning my disputes. I have indicated specific items such as re-aged accounts, schedule payment amount for accounts that are sold or transfer and XXXX has fail to verify the accuracy of this accounts. As Im writing this complaint XXXX/XXXX/2015, this would be the 3th time that Im requesting Equifax to investigate and they have fail to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX creditor : XXXX -Account XXXX XXXX, XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount # XXXX, XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The following Inquiry : XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XX/XX/XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

DXXXX 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting

All credit bureaus have removed an open account XXXX energy from my credit report without my permission which has resulted in a significant drop in my credit score and I believe it 's in retaliation to me contacting this office. I never mentioned XXXX energy in any disputes with any of the credit bureaus.
Product: Debt collection

I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Checking or savings account

I am a person who keeps two banking institutes. Chase and XXXX XXXX. I was a loyal customer of Chase for 5+ plus years. That changed XX/XX/2020. I recently moved my direct deposit from Chase to XXXX XXXX because of Chase 's poor customer service. I was no longer comfortable with the bank holding majority of my income. The incident that caused my to forever cut ties with the bank occurred XX/XX/2020. There was a pending purchase that was listed on my account for 3 days ( business and non-business ) that fell off on my user viewing end. Knowing the charge would post I transferred funds to cover my transactions in the meantime. Actively checking my bank account to cover the pending charge, I was checking at the start and end of business day. On Monday night XXXX at XXXX pm PST, I checked my bank account for the last time on my mobile app. Everytime looks normal with a positive balance. Tueasday morning XXXX, I was hit with 3 overdraft charges on a TUESDAY, after the weekend was over. Not only were charges I was hit with overdrafts for ALL debit related. They posted before ALL my deposits to cover the account. If this was Chase 's true practice I would have had a full business day to cover the transaction, be alerted appropriately, and I as the USER would have been able to see the " invisible pending charge '' on my end. I promptly called Chase to explain the pending charge that caused me to overdraft was no longer visible on my end, the response was " oh, that's strange ''. No in fact it it not strange it is a tactic used my Chase to justify charging overdrafts fees for profit. I spoke to a manager explaining my financial situation. I am a single mother to a special needs child who CAN NOT afford to pay fees to a cat and mouse, hidden agenda bank. I am diligent about my accounts and pay the items I owe promptly. The supervisor regarded my situation and suggested I bank elsewhere.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, Upgrade received my debt validation letter on XX/XX/2022. I have not received any confirmation within 60 days of this validation. Within this time period i have not received the following : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.