23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a collection on my XXXX from Transworld systems/FPL for XXXX Dollars i was never notified about the debt or never signed anything giving artherization owning up to anything as a matter of fact the collection formed in the year 2019 i was incarcerated i have been calling XXXX and XXXX for months i would like this collection removed off my credit report immediately please i just got released from institution i have nothing no family no where to go and this collection is stopping me from achieving any goals.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017, I initiated a currency exchange ( via ACH transfer ) of {$1600.00} USD to BTC ( Bitcoin ) with Coinbase.com. The money left my back account via ACH transfer and I was promised that the exchange would clear and be available to me by XX/XX/2017 but they still have not cleared the transaction and show that it is pending. They are holding my money locked and are refusing to allow me access to it. I have made repeated attempts to reach them by phone and email under multiple case # XXXX, # XXXX and # XXXX but they have not responded with any info on the issue. They have not given me any status updates other than saying that my case has been escalated to a specialist. It's been almost 2 months now and I still do not have access to my funds.
Product: Mortgage

I refinanced with Bank of America in XXXX. All the documents that I have received in my prior complaints support my position that the money past due was placed on the back end of the mortgage yet BOA refuses to correct my credit reports with all of the credit agencies. My outstanding balance after the write was supposed to be placed on the back end of the mortgage. This was what I believed to be happening when I rewrote the mortgage back then, my former rep XXXX confirmed that it was on the back end of the mortgage during our MANY phone conversations yet BOA reported us late for our mortgage for those years resulting in the destruction of my credit rating, resulting in my inability to obtain student loans for my children, and my ability to obtain any form of credit. I have had enough of their delays, their refusal to correct the reports, and their treatment of my account. I have documentation showing that it was placed on the back end of the mortgage yet BOA, slow in their responses to my MANY MANY MANY complaints, take their time in responding, fail to correct the fact and I will have no choice but to file suit for this wrong. I have written many complaints on this issue yet BOA refuses to correct the wrong. Though my loan has been rewritten and my past due amount has now been correctly placed on the back end of the loan my credit continues to be destroyed by BOA. In all of my complaints that I have filed BOA has sent me many letters stating that the matter is still under investigation, can we have additional time to investigate, our representative will contact you, we are reviewing your complaint, blah blah blah yet nothing is done. All I have asked was for BOA to remove all negative remarks from my credit scores from the date of my first rewrite. I have no choice but to pursue legal action, seek damages for their wrong doing, and demand treble damages under a XXXX and all legal fees and costs for filing the complaint if it continues. I think my request to simply remove negative remarks without further action is reasonable as I have documented evidence to support my position. The letter that I have dated XXXX XXXX, XXXX clearly shows that the loan in XXXX was approved and that the outstanding balance was added to the loan. THAT MEANS IT WAS PLACED ON THE BACK END OF THE LOAN AND NO LONGER OUTSTANDING. BOA is a huge company and I am simply a consumer yet this company has destroyed my credit and I can not sit back any longer. My offer to remove all negative credit within XXXX stands, if not, I will commence XXXX proceedings.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I entered into a pay-for-delete agreement with the creditor. As part of the agreement, they assured me that once I paid off the account in full, they would remove the negative item from my credit report. I have made the full payment, but the account is still showing as a repossession on my credit report, and no deletion has occurred. 

Despite multiple attempts to contact the creditor, I have been unable to resolve the issue. This inaccurate reporting is harming my credit score and is a violation of the agreement I had with the creditor.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring the creditor fulfills the pay-for-delete agreement and removes the account from my credit report as promised. This account is still reporting on Transunion Thank you for your attention to this matter. Please do not hesitate to contact me should you require any further information. 


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

After a having a look at my recent credit report I noticed that XX/XX/XXXX, EQUIFAX &XX/XX/XXXX are reporting I was late paying my XXXX credit card ( XXXX - Card Service ) for the month of XXXX and XXXX. There is also a report of me being late on my XXXX XXXX credit card ( XXXX  ) on XXXX. I have always paid these accounts on time and I have never been late! If anything there is a chance that my payments did not clear by the statement date and if I was late, with the pandemic and lots going on with my family 's health, I innocently forgot to make a payment. 

I've never received a reminder for my payment or any notifications for a past due amount which I was unaware of. I also tried to reach out to the creditors mentioned above to rectify my concerns but was unable to to get in contact by phone or mail. I also sent dispute letters to the credit reporting agency and received no response so I had no other choice but to file a dispute with the CFPB. 

This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : Account Number # XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXXXXXX XXXX  Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXXXXXX Account name : XXXX XXXX  Account name : XXXX XXXX  Account name:XXXX XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX XXXX Accont name : XXXX XXXX XXXX  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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit 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 XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I have pulled my credit report and noticed that there are inaccuracies regarding the information that Experian is allowing to be reported. I have sent several letters regarding these issues, but the company has not responded to my request. My credit report also has not been updated.

First of all, they are reporting incorrect personal information for me. My name, mailing address, last four of my social, phone number, and employer are all incorrect and need to be updated immediately. 

There is also other information that is being reported against me, and I have asked Experian multiple times to update/correct this information and they have failed to do so.

The following accounts are being reported as late and should not be due to the Covid-19 C.A.R.E.S. which provided student loan forbearance during the pandemic. The following accounts are reporting late payments between XX/XX/XXXX and XX/XX/XXXX : US Dept EDXXXX These two accounts are negatively impacting my credit score, and should not be reported as late due to the federal law that was passed providing relief for student loan payments during the pandemic.

Also, there is a closed account for XXXX in the amount of {$530.00}. I have asked for over a year for this account to be validated and Experian has failed to do so time and time again. If this is a valid account, then there should be no problem with Experian providing proper documentation to show me that this should be reported. I do not recall this account, and I need proof that it should be showing up on my credit report, otherwise it needs to be removed. 

Also, Experian currently is not providing me with up to date credit reporting. I contacted them about a week ago to check on the status of my personal information updates, I was told that my profile would be updated, but my report is still not current and when I try to pull a report I am being informed that it is not available.
Product: Debt collection

This debt was cancelled by XXXX XXXX last year. I reported it to you and the Bank removed it from my credit report. It is an extremely old debt and over the time to collect. Now they have turned it over to another collection agency to harass me. The debt collector calls and speaks derogatory to me and intimidating me to pay this bill that does not exist. XXXX should be aware of this tactic and get rid of this debt since this issue has been resolved.
Product: Credit card or prepaid card

If a card issuer decreases your credit limit, the card issuer can not charge you over-the-limit fees or a penalty rate for exceeding your new, lower credit limit, until 45 days after it has given you notice of the decreased credit limit. A card issuer can not charge you over-the-limit fees if it didnt give you notice of the decreased credit limit or if you havent opted in to the payment of over-the-limit transactions. 

Synchrony bank decreased my credit limit, based on information they said they received from XXXX. I have just spoken with XXXX   and one of the factors is " Not enough balance paid down over time on real estate secured loans '' They gave me this card when my mortgage was new and I have made all payments on time and in the proper amount. How can they possibly use this as a factor when it is not. I have more paid down today on my mortgage than I had when I opened the two cards which they did this reduction on. It is a form of deceit. When they reduce your available credit on a card, it looks like a reflection on your ability to pay. It lowers your score and perpetuates the as the second factor that they use which now says, You have Too many revolving accounts with high balance compared to credit limit. A direct result of them lowering my available credit on three accounts- a very poor reflection on me as though I am at the top of my credit limit, which I was nowhere near and which I have been paying with payments they establish. I have now made a decision based on their false credit reporting, I will not continue to be responsible due to their deceitful credit practices. This bank should not be permitted to randomly do this and by the way I was not given the proper notice ( 45 days ) to address, these reductions. Its all well and good that they give you credit, but if youre fulfilling your part of the contract, it seems unreal that they can affect your life and financial well being in such a negative way, because they want to make a different decision now. All my factors are the same as when I got the card. I make more money now, I have been in my house with a mortgage for much longer now. I have been paying on these balances for much longer now. Why does that warrant a reduction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 ( read attached ), Wells Fargo continues to ignore NOT reporting my paid in full account as I had a XXXX 's XXXX XXXX Card then. 
My credit has been missing this good paid in full account for 5 years!!! 
Violations of FCRA for 5 years. 
The complaint is against Wells Fargo. 
When a company aquuires another company, all account records transfer to the new owner.
Product: Credit card or prepaid card

Good morning I was a customer of chase credits card I was approved for the XXXX last year in XXXX balance {$6000.00} In XXXX of this year XXXX I applied I received by mail invitation to applied and I was approve with the sapphire credits card for {$16000.00} my credit scored was good than in XXXX I received a letter stating they were closing my accounts with no explanation I call several times and even went to the branch they were not able to help me, I hope you guys can help me, I am frustrated because of that closing my accounts my credit has gone down tremendously and is not fair I been working so hard for it. I even ask them if you guys were going to closed my accounts why approve me. I also reach out to them many times to help me hardship to pay the balance because my job cut my hours but they said I dont qualified for that. 
I so overwhelmed with this situation because of them other credit card had lower my balance I always pay on time and work so hard for my credit scores I feel they trick me to get approved and than close my accounts with no explanation.why approve me with no only one credit card but two and than decide to closed it. 
Thats the worst thing they could do to someone thats been working so hard to get a good credit scores to buy a home now I cant. 
I want for them to remove those inquiries. I really hope that you guys can help me with my situation and dont allowed chase to do this to other people.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XX/XX/year> Subject : Dispute Request for Account Deletion Due to Lack of Response to CFPB Debt Validation Request Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute the validity of an account listed on my credit report and to request its deletion based on non-compliance with a debt validation request sent through the Consumer Financial Protection Bureau ( CFPB ). 
On XX/XX/year>, I submitted a debt validation request regarding the account [ XXXX XXXX XXXX account # XXXX ] to XXXX XXXX XXXX through the CFPB. As of the date of this letter, I have not received any response or acknowledgment from XXXX XXXX XXXX regarding this request. 
According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), consumers have the right to request validation of a debt from a creditor. Furthermore, failure on the part of the creditor to respond to a debt validation request within a reasonable timeframe can result in the debt being considered invalid. 
Given the lack of response from Receivables XXXX XXXX, I am requesting that the account XXXX XXXX XXXX account # XXXX be promptly deleted from my credit report. The failure of Receivables XXXX XXXX to provide validation of the debt within the stipulated timeframes casts doubt on the accuracy and legitimacy of the reported information. 
I have enclosed copies of the following documents for your reference : XXXX. A copy of the debt validation request submitted to [ creditor 's name ] via the CFPB. 
XXXX. Any relevant correspondence or documentation related to this matter. 
I kindly request that you conduct a thorough investigation into this dispute and take appropriate action to remove the disputed account from my credit report. Additionally, I request that you provide me with a written confirmation once the account has been deleted. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute and the subsequent update to my credit report. 
Sincerely, XXXX XXXX Enclosures : XXXX of debt validation request submitted to [ creditor 's name ] via the CFPB Any relevant correspondence or documentation related to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2015 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Upon careful examination of my recent credit report, I have identified discrepancies that warrant urgent attention, The companies have acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. I kindly request a comprehensive investigation into these accounts and expeditious communication of the findings via postal mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I anticipate receiving your response within this specified time-frame. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Macy 's store credit card : I was 11 days late on a payment in 2014, since then I have been making payments to Macy 's. However they have been reporting to the credit bureau that it has not been paid since then. I have proof through bank transactions, disputed through the credit bureau and Macy 's has not removed the erroneous late and no payments. In addition, they charged off my credit card while I was making payments, which also negatively impacts my credit. Because of an XXXX day late payment my credit is damaged for the next XXXX years. I believe it is unethical and should be illegal for Macy 's to continue to fraudulently submit information to the credit bureaus and not be held accountable. In addition, prior to the XXXX day late payment I called Macy 's stating why I was going to be late and asked for a payment plan and they said their company provides not payment plans or assistance if when someone loses their job.
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681| ( 7 ).

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit frca violaitons
Product: Credit reporting, credit repair services, or other personal consumer reports

Harvard Collections is reporting a debt on my credit file that needs to be removed. I recently took a look at my credit and noticed this debt reporting. This debt is so old, it should not be reporting. In fact, it is past the credit reporting limit under the FCRA guidelines. This needs to be removed.
Product: Credit card or prepaid card

I closed all five of my credit cards with American Express on XX/XX/2018 at exactly XXXX PST. The Representative supervisor at American Express did not even read me disclosures to close the card. All 5 of my cards have {$0.00} balances. I closed the cards because American Express is very shady.