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

I've disputed The information concerning the office of attorney general. Each time I report they update it with incorrect information. I make payments on the account every XXXX weeks and they can never keep it accurate. They are reporting inaccurate amount and payments made. This is affecting me from getting things done that I need done. It also keeps me from obtaining necessary credit for my everyday living. I've called several times and disputed it several time and they do not report correct information. Other bureaus have either took it off since I'm paying on time or either reporting my on time payments.
Product: Credit card or prepaid card

I missed my first payment ever and paid it as soon as I found out I was late. I paid the entire payment on my card like I always have. I've had a credit card since I was XXXX ( now XXXX ) and have never missed a payment. US Bank turned my card off without telling me it was going to happen and even though they can see my payment processing they won't give me access to my card. 

I called into US Bank 4 times and have gotten 4 different answers. I was told I would be able to use my card and got the interest fee reversed since this was my first missed payment ( wasn't told I wouldn't have access to my card ). Then when I went to use my card I got denied even though I am nowhere near my limit. Called back in and they said yes your access has been stopped until the payment is processed they told me I would have access the next day. I have called in 2 more times after talking to my dad who was in banking his entire career and he said no I should have access to use my funds, now 2 different supervisors have told me 2 different things, one said I would have access today ( Day 3 ) and the other said nope not until tomorrow ( Day 4 ) and there is nothing they can do even though they can see my payment history and that I paid it in full. 

Because they took my access away to use my credit card without telling me : no email or notifications on my account, I am now behind on other bills for my house and business. 

This is not the first time they have randomly turned access off to my card, I was trying to purchase something and US Bank marked it as fraud, but never messaged/contacted me to check even though I signed up for those alerts. 

The rep today told me it wasn't US Bank 's fault that I wasn't getting the emails or notifications, it was all my fault or my email providers, however, I checked my junk, deleted, and inbox and the only email I have from them is my monthly statement ; nothing about fraud or that I wouldn't have access to my account.
Product: Debt collection

ACCOUNT NAME : AMEX ACCOUNT NUMBER : XXXX ACCOUNT NAME : AMEX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRI INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROV.

COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The intractions are as rollows : + Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 
804 By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certitied mail XXXX Sincerely, 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 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 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
Product: Debt collection

After checking my credit report i noticed a fraudulent student loan account # XXXX XXXX/XXXX  on my credit report. 

DATE OPEN : XX/XX/XXXXXXXX  DATE OF DELINQUENCY : XX/XX/XXXXXXXX  Question : how can a delinquency occurred XX/XX/XXXXXXXX  yet the account was opened XX/XX/XXXX. The delinquency happened before the account was ever opened? 
How do you have a delinquency before there was ever an account????? 

I disputed the inaccuracy and the fraudulent nature of this student loan account and requested and investigation and removal from my credit file. They never submitted what i requested and continue to report on my credit file. As a matter of fact they keep changing companies and re-ageing the item rather than remove the inaccurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Bank, XXXX, does not allow third-parties to access bank info past 4 weeks. Experian needs 3 months of bank info to allow the Boost service ( improve credit score ). Yet, Experian still advertised my bank as one of the banks on the list. So I get the service and for security reasons, they can not link my account. Took 3 days of trying to reach customer care. The automated system by phone has no human beings, whatsoever. Its like they took a play out of the XXXX XXXX XXXX playbook to have zero customer service or accountability for their XXXX. I finally get someone through online chat. XXXX was very smug & practically useless, copy & pasting responses. I literally mistook this person as another automated response system. I felt so disregard and brushed off like it was nothing. I don't deserve good credit, apparently.
Product: Credit card

I receive a letter from Citi Bank dated XX/XX/year> stating that they've declined a debt management proposal from my credit counseling agency ( XXXX XXXX XXXX ). The reason listed was " The monthly proposed payment is too high ''. This reason Citi provided does not make sense because the proposed payment is not higher then the current existing monthly payment. It's significantly lower. I called Citi to discuss the misleading reason and was tossed around to several different departments - Customer Service, Collections, ID theft, etc. with no one able to speak on the reason for rejecting the proposal. Instead, they suggested I can do a balance transfer to another credit card company for a low introductory rate. 

Two other credit card companies accepted XXXX XXXX 's proposal so that's why I found it odd that Citi Bank rejected it. And when simply trying to understand why, they couldn't provide a reasonable explanation which is unfair and unprofessional.
Product: Credit reporting or other personal consumer reports

Transunion site NEVER allows me to proceed with filing a dispute. The site always gives me an error that my dispute can not be processed at this time. I typically only have time to attempt to file a dispute after hours or on weekends due to my work schedule, and it's beyond frustrating as a customer. This has been an issue for a year now, it isn't just a one time site issue. They make this impossible to correct my credit report, I think they do this on purpose.
Product: Credit reporting or other personal consumer reports

I sent in a 1099C to the I.R.S. on XX/XX/2023 the debt was canceled and it was remove from my credit report and showing a XXXX balance and I received an email from XXXX informing me that balance is now XXXX. A month or so later I notice that the account was back on my credit report with the same balance.
Product: Debt collection

THE FINAL PAYMENT OF {$120.00} FOR CASE FILE # XXXX TO XXXX XXXX XXXX ON BEHALF OF CROWN ASSET MANAGMENT LLC. 
THE PAYMENT WAS SENT VIA PRIORITY MAIL ( XXXX XXXX XXXX XXXX XXXX ) VIA XXXX XXXX XXXX XXXX ( XXXX ). THE MONEY ORDER WAS CASHED BY XXXX XXXX OR CROWN ASSET MANAGEMENT AS OF XX/XX/XXXX. 

AFTER COMPLETING THIS PAYMENT, MY ATTORNEY ADVISED ME THAT THE COMPANY XXXX XXXX XXXX WOULD SEND ME A SIF LETTER 10 DAYS AFTER THE COMPLETION OF THE PAYMENT TO SENT TO ALL CREDITORS TO UPDATE MY CREDIT FILE WITH EACH BUREAU THAT THIS INFORMATION HAS BEEN REPORTED. THE SIL ( SETTLEMENT IN FULL ) LETTER HAS NOT BEEN RECEIVED FROM THIS CREDITOR MARKING THAT THIS ACCOUNT IS NOW CLOSED AND SETTLED AS AGREED.
Product: Credit card

I have a Bank of America credit card which I have had for XXXX20 years. I have a credit score of XXXX and a credit limit of {$12000.00} just for your information. I have never owed them money as they allow me to pay in advance so I always have a small overpayment. On XXXX XXXX, they decided to refund my credit overpayment of {$200.00} and charged my account for that amount. The check which they mailed to me took so long to come I called to complain and the customer service department told me they could stop payment on the check and issue the refund to my personal bank account. They issued a refund and then debited my Bank of America Credit card and refunded my card and debited it so many times like bouncing balls but I know I am still out {$200.00}. I 've spoken with XXXX people at BOA who ALL told me it is their fault and a refund will be coming. But today XXXX XXXX at the Escalation Dept. told me I wo n't be getting the money. I will not let this rest I am also going to contact XXXX XXXX the CEO of BOA. Imagine how they treat people with less stellar credit. It 's a disgrace.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I apply for credit that company reply a different score that Experian is giving them. I have an Experian account and I keep that account locked due to this issue. It seems as if Experian data base is giving a different score to the companies, indicating there might be some kind of error or fraud when it comes to my Experian account. 
Experian has reported my credit score falsely on several occasion to my loan and credit applications. I am including this one response from XXXX XXXX Bank. Experian reported to them that my score was XXXX and my Experian account had XXXX. I am trying to work on my credit which is my responsibility and Experian is not doing their job and protecting my legal rights to reporting the correct scores. I know that I can't be the only consumer having issues with Experian.
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 Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 or other personal consumer reports

In accordance with Fair Credit Reporting Act this creditor ( American Credit Acceptance ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continued time in and time out to correct closed accounts account balances information being incorrect and each time its disputed its denied without properly reviewing particularly theres an account with XXXX XXXX  that shouldnt even be on my report because the company did not follow the proper channels that the fair credit reporting act follows never received documentation never verified the debit was valid nothing even called the bureau today to see if I can get copy of the documents and no help so this is why Im filing this
Product: Credit reporting, credit repair services, or other personal consumer reports

There are innacurate fraudulent accounts reporting on credit plus that are not on my credit reports at all with XXXX XXXX and XXXX. 

I am a victim of identity theft and I have an attorney involved as well. These items need to be removed from the credit plus credit report because this is a third party and all three credit bureaus stated to me on the phone that they do not directly report any items to them to report on behalf of me. And this is a violation of the Fair Credit reporting act.
Product: Credit reporting

Information is being reported incorrectly. It 's not correct. According to XXXX they claim this is not what they reported. The account balance at the time of the new statement was {$1.00} for interest. XXXX claim that 's what they reported. My balance being reported as of XX/XX/2016 was XXXX balance. It may should have gone from XXXX balance to {$1.00}. 
See attached
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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed XXXX {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years of employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX
Product: Debt collection

Hi FFR Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 2. Legal basis for the collection of this debt.
3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Mortgage

reverse mortgage solutions is refusing to return a home insurance check issue on my Name and the mortgage company that was issue do to repair a kitchen zinc water leak that destroy the kitchen cabinets, unless the contractor furnish a XXXX, which the contractor being a big corporation denied having heard of such request before, so the contractor could not issue the IRS form XXXX. 
so the check is in their possession for more than 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent 2 letter to Experian about Fair credit reporting Act Section 609.. the last letter was sent on XX/XX/XXXX ( certified ) and first letter was sent on XX/XX/XXXX ( certified ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Experian Dispute Department XXXX XXXX  XXXX XXXX, TX XXXX Dear Credit Bureau, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

LIST ACCOUNT NAMES AND ACCOUNT NUMBERS 1.  XXXX XXXX XXXX XXXX - {$2300.00} Revolving Negative 2. XXXX XXXX XXXX XXXXXXXX XXXX Revolving Negative 3.  XXXX XXXX XXXX USA N XXXX XXXX - Revolving Negative 4. XXXX XXXX Revolving Negative 5. XXXX XXXX Revolving Negative 6. XXXX XXXX Revolving Negative 7. XXXX  XXXX Revolving Negative 8. XXXX. XXXX, XXXX XXXX of XXXX XXXX XXXX XXXX that are NOT valid 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX   XX/XX/XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information within 30-45 days, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN XXXX DOB XX/XX/XXXX
Product: Checking or savings account

Recently, I discovered a check misfiled in my safe. It is dated XX/XX/XXXX,  drawn on Bank of America. When I visited with Branch manager at local Bank of America, I was told to obtain Letters of Testimentary, which I did. When next contacting bank President, I was told that Banks were only required to keep records for 7 years, that she couldnt help me. 

I would like to ascertain where this money has gone. I am XXXX years old and need the money. Can you help me? 
Thanks for any help you can provide. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been experiencing suspicious activity from my XXXX bank. Ive made complaints and the organization was not taking my concerns seriously. I ordered cards and changed my security and suspicious activity continued. I did not feel like my funds were safe and decided to create a new checking account. 
On XX/XX/22 I chose to discover bank as I liked the perks and what they had to offer. I was disappointed at the time ; they were not offering a checking account due to some company update. I told myself, Ill wait and make savings account to secure my funds. I make a {$500.00} transfer from XXXX to Discover bank. I realized I transferred everything leaving me with {$0.00} to cover for daily expenses like gas. I transfer {$60.00} back from discover to XXXX but my card was locked and became suspended. Ive even paid 1 or 2 bills using my discover ACCT # and R # discover since I couldnt use the XXXX card. Yesterday XX/XX/22, I moved {$250.00} from XXXX to discover, and then discover sends an email that my account is suspended for suspicious activity and provided me with no explanation. I called them and I was informed that the bank made a decision to close the account. They did not provide an explanation. I filed a complaint with them. I do not understand whats suspicious about me slowly transferring all my funds to Discover. The worst part of it all is that they are withholding my {$500.00} for 60 days and I have a major concern with that. That does not sound legal to me, I need someone to help me resolve this or to at least reconsider opening or sending {$500.00} as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiry XXXX  credit report citi cards XX/XX/2021 and also XXXX XXXX in XX/XX/2021 and also us small business administration also XX/XX/2021 i am contesting these issues.