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

XX/XX/XXXX i sent a certified mail to transunion. Disputing the unverified acounts on my credit report. Transunion sent me a redit report XX/XX/2021. Showing that the account from Tn. XXXX XXXX was removed and deleted from my report ; XX/XX/2021 on the report. The account was closed with an amount of {$8800.00}. And a last payment of {$100.00}. XX/XX/2021 transunion report. The account closed on my Transunion via XXXX XXXX. XX/XX/XXXX, XXXX.TransUnion removed the late payments from the account. Then on XX/XX/2021. Via XXXX XXXX, TransUnion report the account open with a balance of {$10000.00}. Which is inaccurate i disputed with bureau and they informed me via phone call that it will be removed. XX/XX/2021. The account was closed with an amount of {$11000.00} with a last payment of XX/XX/2021. Which is inaccurate. The then, XX/XX/2021. The account was opened again with a balance of XXXX. In addition the very next day XX/XX/2021. The account was closed and removed from the report. They fail to verify the account and remove the inaccurate information. I been disputing this account since XXXX. Transunion refuses to solve this issue with the credior and is causing me Financial injury. This harmful inaccurate information is causing distress. Transunion need to resolve this complaint immediately. Via section 609 of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due dateXXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Capital One {$1600.00} Capital One {$940.00} Same company XXXX separate accounts. These accounts have been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.Duty : a moral or legal obligation ; a responsibilityAccurate : correct in all details ; exact.Prohibition : a law or regulation forbidding something. As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 says a furnisher of information to a consumer reporting agency is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.
Product: Credit reporting or other personal consumer reports

credit reporting agency reported two late payment accounts with XXXX  and XXXX  on their system. A dispute was submitted by phone and through the online site on XXXX XXXX  with validation from the companies of the error.
Product: Checking or savings account

I CONTACTED JP MORGAN CHASE CLAIMS DEPT ON XXXX TO REPORT FRAUDULENT UNAUTHORIZED SUSPICIOUS ACTIVITY ON MY DEBIT CARD ENDING IN XXXX FROM MULTIPLE COMPANIES ALL WITHIN THE SAME TIME FRAME FROM THE FOLLOWING MERCHANTS BED BATH BEYOND FOR {$190.00} ON XXXX, XXXX XXXX {$96.00} ON XXXX, XXXX {$36.00} ON XXXX, XXXX {$65.00} ON XXXX FOR A TOTAL AMOUNT OF {$380.00}. JP MORGAN STATED THEY WOULD INVESTIGATE MY CLAIMS AND ISSUED A PROVISIONAL CREDIT FOR THE ITEMS MENTIONED ON XXXX CLAIM # XXXX. HOWEVER ON XXXX THEY STATED THAT I AUTHORIZED THESE TRANSACTIONS AND THAT THEY WOULD BE REMOVING THE CREDITS ON XXXX AND XXXX LEAVING MY CHECKING ACCOUNT IN THE NEGATIVES STATUS. I CALLED JP MORGAN CHASE CLAIMS DEPT ON XXXX AT XXXX XXXX AND SPOKE WITH A CLAIMS REPRESENTATIVE BY THE NAME OF HONEY SHE DID NOT SHOW ANY WILLINGNESS TO HELP ME OR CLARIFY ANY INFORMATION REGARDING MY CLAIM I THEN ASK FOR SUPPORTING DOCUMENTATION TO BE SENT TO ME SHOWING THERE FINDINGS HOW THEY CAME UP WITH THE DECISION TO REVERSE MY CREDIT DENY MY CLAIM SHE REFUSED AND STATED THAT SHE ALREADY TOLD ME MY CLAIM WAS DENIED DUE TO ME STATING I HAD THE CARD IN MY POSSESSION. I REQUESTED TO SPEAK TO A SUPERIOR ABOVE HER TO CLARIFY SOME INFORMATION ABOUT MY DENIAL SHE PUT ME ON HOLD AND THEN STATED THAT SHE WILL NOT BE TRANSFERRING ME TO A SUPERVISOR BECAUSE SHE ALREADY TOLD ME THE REASON OF MY CLAIM BEING DENIAL JUST SUPER RUDE IT HAS ME WANTING TO LEAVE CHASE BANK FOR THIS UNCALLED FOR BEHAVIOR I FELT HELPLESS BECAUSE AT THAT POINT SHE ALSO REFUSED TO FILE A REINVESTIGATION STATING THAT THERE IS ONLY ONE TIME I CAN FILE A DISPUTE PER TRANSACTION EVEN IF THE CLAIM WAS FILED INCORRECTLY WHICH I STRONGLY BELIEVE THE CLAIM WAS WHY WOULD CHASE DENY MY CLAIM AND DENY ME ANY FURTHER ASSISTANCE AS A CUSTOMER I BELIEVE MY CARD WAS PART OF A SKIMMING DETECTION WHERE MY INFORMATION WAS COPIED AND THEREFOR MY CARD WAS USED BUT I ALSO STATED TO THE REPRESENTATIVE THAT I DID NOT HAVE THE CARD IN MY POSSESSION THAT I HAD A NEW CHASE CARD AT WHICH DID NOT MATCH THE NUMBERS OF THE CARD USED TO COMMIT THE FRAUD I WANT CHASE TO REINVESTIGATE THESE CLAIMS AS THESE TRANSACTIONS WERE NOT COMMITTED BY ME!!!!!!!
Product: Credit reporting

I have found a XXXX acct with negative remarks on my name I have no knowledge of this acct please remove it asap.
Product: Checking or savings account

I was a longtime customer of BBVA in XXXX, TX. When I began receiving communications from PNC Bank, I was assured that the transition from BBVA to PNC would be easy for me, and that, after having no access to my online account for 3 days, I would be able to sign on, on XX/XX/XXXX, and continue banking as usual. When I signed on, all that was visible to me was an account, not mine, that had XXXX balance. 
After hours and hours of holding on the customer support line, I was told, rather blithely, that, too bad, my account didn't transfer over. No matter how hard anyone tried ( and there were many ) no one could instruct me on a successful login. I am out of town now and 60 miles from the nearest branch. I very often rely totally on online banking. 

I think I am not alone, as I have been told by friends that the
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I went and loo at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX and XXXX XXXX XXXX. 
I got contact with FTC and i have call police
Product: Credit reporting, credit repair services, or other personal consumer reports

A company, XXXX XXXX, purchased and reported a debt from XXXX years ago as a collection account on XX/XX/2021. I filed XXXX XXXX bankruptcy, which was finalized XX/XX/2021. I contacted the collection company and credit reporting agencies. It was removed on XXXX and XXXX, but not Transunion. I have submitted and been unsuccessful with XXXX disputes. I called Transunion after the 1st dispute was reported as an accurate debt. XXXX XXXX claimed they removed the debt from all three agencies and thats when I opened a 2nd dispute with Transunion on XX/XX/2021. This once again was deemed an accurate reporting on XX/XX/2021. My XXXX XXXX initially dropped XXXX points and I am still unable to pass a credit check to obtain housing over XXXX  months later.
Product: Mortgage

This is a continuation of a prior complaint, which was not completely resolved, but was closed by CFPB anyway. There are some outstanding issues, and again, Freedom Mortgage is not responding to calls to their Customer Service Dept ... 

XXXX/XXXX/XXXX : Recd an Escrow Disclosure Statement from Freedom. Most of the info is now correct, but there is one amount that appears to be incorrect : On XXXX/XXXX/XXXX, Freedom incorrectly paid {$4800.00} from the escrow account for our home, to pay property taxes on a home with a similar address. They then issued a credit on XXXX/XXXX/XXXX, but for the amount of {$4600.00}. Why did they refund {$200.00} less than they paid out? 

XXXX/XXXX/XXXX : Called and spoke with XXXX, who connected me with Supervisor XXXX ( # XXXX XXXX. Both were more friendly and helpful than anyone Ive dealt with to this point, and I gave them an overview of the history. I told them that we are 95 % there, but just need this discrepancy explained. XXXX said that she would get back to me between XXXX and XXXX tomorrow ( XXXX ). 

XXXX/XXXX/XXXX : Havent heard anything from Freedom Mortgage. Called them at XXXX, 17 minute call. The guy read me some ancient history about our property taxes being paid for the wrong parcel, and no refunds from XXXX County. I explain that that is not my problem ; my only concern is the {$200.00} discrepancy between what was incorrectly paid OUT of our escrow account in XXXX, and the credit received in XXXX. He doesnt know. I ask to speak with XXXX. He comes back and tells me that she is not at her desk, but he can have her call me. I explain that NO ONE at Freedom has EVER followed through on a promise to call me back. He cant do anything other than leave her a message. I advise him that Ill give her until Friday to call me back, and then XXXX file  another complaint with the CFPB. 

It is now XXXX/XXXX/XXXX, a full month since we spoke with customer service, and we 've heard nothing from Freedom on this issue.
Product: Debt collection

TrueAccord contacted me on XX/XX/year>, attempting to collect a debt that they falsely claimed was associated with me. Key pieces of false information in their debt collection email : Naming a bank ( XXXX ) with which I have never done business, and conveying an address on file at which I have never resided. It is possible that they are mistaking me for a different person, as I have a common name. However, I do not consider this face to overcome their obligation to meet a minimum standard of due diligence. They say they have purchased the debt and are, themselves, trying to collect on it. XXXX has confirmed that I have never had an account with them of any sort, based on an SSN search. The home address shared by XXXXrueAccord is one at which I have never had a residence or business. When I looked on the XXXX XXXX XXXX website, it appears that TrueAccord is making this mistake over and over again, with nearly daily complaints from consumers. I would normally not fault a company for honest mistakes, but their response to consumers on the XXXX site reveals that they don't give a rip about correcting their own errors, instead, claiming to have no way for verifying the underlying information that is in question. That does not seem to represent a pattern of meeting a debt collector 's standing obligation to provide the underlying information related to a debt, upon request.
Product: Checking or savings account

I have been very disappointed with the responses on my fraud case. I have spoken to a couple of Wells Fargo case specialists with no result other than sorry you authorized the fraud we can not help you! ( I did not and I have provided them with proof that it was their authentication system that was used ) I have received calls from other specialists and when I try to call back mailboxes are full or I do not get a call back. Then I get a letter in the mail stating that there is nothing that can be done. ( when I try to call back that specialist I get nothing ) I can not let this go. I lost near XXXX on XX/XX/2023 and have not been treated very fair as a customer. This has devastated my life. One specialist even admitted Wells Fargo should have more layers of protection yet the fraudsters win! They have not even offered me a small compensation for their lack of security on their systems.

Please provide me time with someone who can actually work with me on this. I will continue to escalate this as long as it takes. I plan to continue to complain to bank and federal agencies and am preparing information for the local news as well.

Thank you very much! 
XXXX XXXX
Product: Debt collection

On XX/XX/XXXX a {$350.00} debt appeared on my credit report from Ability Recovery. I contacted the debt collector explain that I did not owe this debt as I was a XXXX  patient and the originator of the debt was a hospital who had my XXXX  information on file. Ability Recovery refused to help resolve this issue. As such, I contacted the hospital billing department and was advised they no longer had information regarding the debt so I contacted the phone number on the back of my XXXX  card ( XXXX  ) and explained the situation. The representative from XXXX/XXXX  confirmed that I was covered by XXXX/XXXX  on the date in question and instructed me to write a letter to XXXX XXXX explaining the situation and attach the information regarding the medical bill so that it could be researched. XXXX XXXX determined that on the date of service XX/XX/XXXX I was a CT XXXX XXXX XXXX recipient and that the provider in question was enrolled in CT XXXX. XXXX XXXX indicated in their response that the provider has been contacted and advised that they can not balance bill a CT XXXX  recipient. I submitted the response from XXXX XXXX to the debt collector and filed a dispute with the credit bureaus, but all that happened is the debt collector confirmed a debt that I can not legally be billed. I am attempting to prepare for a house purchase and want this debt that I do not owe off of my credit report.
Product: Credit card or prepaid card

On XX/XX/2023, I called Discover about their 0 % APR for 15 months that included balance transfers for 0 % APR. I called specifically to inquire when payments would start as it was not stated on the offer mailed to me. I was told that payments would start in 15 months and I explained that was good and that would be the only reason that I would sign up for the offer. After starting the application I asked to call my bank to see if they had a similar offer which they didnt. I called Discover back and finished the application and was then told my payments would start the following month. I then called to speak to a supervisor who told me to write a complaint letter and mail it to a XXXX XXXX with no timeframe to be answered. On XX/XX/XXXX, the following day I called the corporate office to resolve the issue where they proceeded to give me the run around. I called back a few days later and a man named XXXX said he would begin an investigation. He told me the balance transfer hadnt gone through where I then asked him specifically if it would not go through since they were not honoring the no payments for 15 months which he verified that I was told was the offer when I signed up for the card. On XX/XX/2023, {$4200.00} was transferred from my XXXX account to Discover. When I called back about how this happened I was given the run around some more without the original issues being addressed. I have not received mail or statements in the mail from them but I recently opened an email stating that I have a payment due by XX/XX/2023, that will be sent to a creditor which will in turn negatively impact my very good credit score. I dont have an account number with them that I have information on. They didnt help with anything when I called again today on XX/XX/2023. Discover duped me into this card so I contacted the Federal Trade Commission today, XX/XX/2023, who had me contact the Consumer Financial Protection Bureau to file my complaint. I am looking into legal assistance, filing a complaint with the XXXX XXXX XXXX  along with possibly contacting the FBI to file for white collar crime against Discover.
Product: Credit card or prepaid card

So I have a account with bank of america. I noticed I had a bunch of charges that I never heard of an small to large amounts. An it would be like 6 big amount charges in 1 day. Then a few little charges. Then on another date a cluster of big charges. All from XXXX an something called afterpay. These are NOT my charges. It's fraud. Its obvious it's fraud. After researching online. This is a common scam. My bank knows this is fraud. But yet. They denied my claim
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We acknowledge that we owe this company money and that we are a Month behind. They call repeatedly throughout the day expecting a different answer and as a harassment technique meant to bully us into giving them money we obviously dont have. They are also calling my work number and I can not receive calls at work and they have been told this multiple times. Yet they persist. This is harassment pure and simple.
Product: Debt collection

Have tried many times to get XXXX to stop billing me for device/services not provided.
Product: Payday loan, title loan, or personal loan

I have ask to set up an affordable payment plan, but the company refuses to work with me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, XXXX, XXXX 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 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 theft and fraud.