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

I have sent letters to all credit bureaus XX/XX/XXXX in regards to reporting an XXXX  under my public record that was not verified and not provided by the XXXX XXXX  court directly. I reached out to the XXXX XXXX  XXXX XXXX XXXX XXXX North Carolina and confirmed verbally that to don't provide info to 3rd parties that are not included in the initial case. ( XXXX XXXX, XXXX, XXXX XXXX Transunion are not included included in any of the court case information ) In the letters I sent I requested that they remove the XXXX  from XXXX XXXX XXXX NC XXXX, Identification Number : XXXX XXXX Dated Filed : XX/XX/XXXX with all credit bureaus XXXX XXXX, XXXX XXXX XXXX XXXX Transunion XXXX due to reporting inaccurate and/or incomplete, unverified information concerning my public records in consumer reports. I have not received any correspondence back from any of the credit bureaus within the 30 day. When I didn't hear anything back, I sent XXXX XXXX  XXXX XXXX XXXX XXXX North Carolina a letter for a written statement instead an verbaI conversation had with them so I could file a complaint with the CFPB because I feel like the credit agencies are not taking my request seriously enough to respond. I sent in Personal Information update request with the credit bureaus and got a response from only so far was from XXXX ( which is still incorrect ) but No one responded to the Public record correspondence I sent in.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XX/XX/year> {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Consumer Loan

I co-signed for my son and toyota did not pick up the payment from XXXX XXXX because according to toyota motors they had transitioned to XXXX but toyota still took the vehicle and allowed the reinstatement he paid about {$2400.00} for toyota motors to turn around and take the truck back from him and said the account had been closed since XXXX. I tried to refinance the loan and made Toyota motors aware but in the process they ended up asking me to pay {$350.00} for them to release the payout amount to the new refinancing company and auctioned out the vehicle. My credit was ruined and my son and his family ended up with no truck after toyota made that mistake.
Product: Credit reporting

I had a non contract account, which means I was not required to pay a fee for closing my account. One month later they sent me an bill with cancellation fees attach to my last bill. I was instructed to dispute the bill ... which I sent in my request to review the bill. I have been getting the run around on the status. Received XXXX letter that they were still working on my request, as of today no word. My thought was it has been removed and account closed.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax have an address on my credit file discovered during an " Identity theft and fraud investigation '' filed with the FTC and CFPB and reported to the CFPB as " my possibly being a victim of fraud. '' The address is XXXX XXXX XXXX XXXX XXXX XXXX which is not, nor has it ever been, an address where I have resided.
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Based on the information provided, it appears that there is an incorrect account with XXXX XXXX XXXX XXXX that is being reported on my credit report, and my dispute to have it removed has been unsuccessful. 

Even though the credit reporting agency admits the account is incorrect, this makes it a case of willful non-compliance. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. The credit reporting agency is required to investigate my dispute and provide me with the results within 30 days. If the investigation finds the information to be inaccurate, the credit reporting agency must correct or delete the information. This is supported by the case of XXXX v. XXXX XXXX XXXX Bank, where the court held that the FCRA imposes a duty on credit reporting agencies to conduct a reasonable investigation upon receiving a consumer 's dispute. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) provides protections against abusive, deceptive, or unfair debt collection practices. If the XXXX XXXX XXXX XXXX account is being reported in an inaccurate or misleading way, this could be a violation of the FDCPA. The case of XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX established that the FDCPA applies to the activities of debt collectors, which could include the reporting of debts by financial institutions. 

The Gramm-Leach-Bliley Act ( GLBA ) also requires financial institutions, including XXXX XXXX Auto Finance XXXX to protect the privacy and security of my personal financial information. If the institution has failed to properly safeguard my information or has disclosed it without my consent, this could be a violation of the GLBA. The case of FTC XXXX XXXX XXXX XXXX demonstrated that the GLBA imposes data security requirements on financial institutions, and a failure to comply can lead to enforcement actions. 

Being as though this is not the first attempt to fix this problem, the credit reporting agency no longer has 30 days to respond, but they have to delete in 10 business days or less
Product: Credit reporting, credit repair services, or other personal consumer reports

So the account was bought by someone else in the amount of XXXX. The company has reported that the balance is XXXX, but the credit limit is still XXXX, but if there's not a balance it shouldn't be there due to the Fair Credit Reporting Act. Since I technically Owe the company XXXX as per the balance I would like it taken off of my credit report please and thank you.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and saw some fraudulent hard inquiries on them, I need them removed immediately
Product: Checking or savings account

This was back in 2015 maybe around XXXX or XXXX not sure but do know it was in XXXX pay check was in bank account was closed stated it was fraudulent activity on my account and it wasn't. It was my paycheck sent my account in overdraft and was charged fees and overdraft fees. I have have overdrafts on many occasion at XXXX overdrafts at XXXX was with them 3 to 5 years. No action no investigation just a letter stating they closed my account.
Product: Credit reporting or other personal consumer reports

I have been impacted by the recent data breaches and my information has been compromised. I noticed a bit ago there was a fraudulent account being reported. The fraudulent account in question is a XXXXXXXX XXXX XXXX XXXXnt. I have tried requesting a deletion of the account however, they have been reluctant to do so. Under Section 609 of the FCRA, I request that this account is removed from the listed credit bureaus, as it is a result of fraudulent activity.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX  XXXX Account Number : XXXX Disputed Entries : XX/XX/XXXX Creditor Name : XXXX  XXXX Account Number : XXXX Disputed Entries : XX/XX/XXXX Creditor Name : XXXX  XXXX Account Number : XXXX Disputed Entries : XX/XX/XXXX I was Never Late on The Account listed above please shoe me documentation showing proof of transaction, showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please update late payment to current.
Product: Debt collection

I was contacted by phone in XXXX or XXXX by FBCS , Inc for XXXX medical debts. I asked for debt verification, and the rep danced around the issue, and suggested that we make payment arrangements on this debt that they stated was from 2009. I honestly do n't remember if this debt is valid or not, but the rep said they would send me debt verification, which ended up being a generic looking document on their letterhead, which also looked generic, with XXXX or XXXX sentences stating that I owed the debt. Before I received that, I do n't recall getting anything at all from them. The debts totaled less than {$150.00}, so in good faith, I made a payment arrangement, but told them that I wanted true debt verification information, which I never received, even after I had made a couple of good faith payments. 

My suspicion about these debts, as well as the agency, kept growing, and I became more and more uncomfortable with them. They would even call a week or XXXX prior to my arranged due dates with them to make sure I was going to make the payments. Every time they would call, I would tell them that I never received the debt verification that I had repeatedly asked for. During the last call I received, I told the rep that I was going to file a complaint against their company with the CFPB, and she told me to do what I had to do. The final straw for me was that they put this debt on my credit report, which seems almost like a bully tactic to get me to finish paying off this possibly fraudulent debt. I do n't know what to do about this, but I am livid. Will you, or can you, please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I have a problem with Equifax, I have already sent two reports of identity theft, two letters from the FTC until I have sent them by fax, and every time I speak with a representative they tell me that the letters do not arrive
Product: Credit reporting, credit repair services, or other personal consumer reports

credit furnisher will not report accurate and complete information. they have continually stated the information they are reporting to the credit bureaus is accurate when in fact more than 20 violations have been identified in this one tradeline. I feel they are intentionally refusing to cooperate with 15 U.S.C. 1681s-2 / FCRA 623.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand immediate action regarding fraudulent collection accounts that have appeared on my credit report as a result of my personal information being compromised in a data breach. These accounts are completely illegitimate, and their presence is severely impacting my financial standing. I am outraged that I am now being held responsible for debts I did not incur. 

Despite my efforts to dispute these fraudulent accounts with the credit bureaus and the collection agencies involved, they continue to report inaccurate and damaging information. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My rights as a consumer are being trampled, and I demand that the CFPB step in to enforce compliance with federal laws. 

The following fraudulent accounts must be immediately investigated and removed from my credit report. 

I am attaching copies of my credit reports, dispute letters, responses ( if any ), and any other supporting documentation to substantiate my claim. Given the severity of this issue, I expect an expedited resolution. I am prepared to escalate this matter further, including legal action, if necessary. 

This situation is unacceptable, and I will not allow fraudulent accounts to tarnish my credit history. I demand a full investigation into these unlawful collection attempts and expect a written response detailing the actions the CFPB will take to hold these companies accountable. 

I expect a prompt response to this matter. If I do not receive satisfactory resolution, I will explore all available legal remedies, including filing complaints with the Federal Trade Commission ( FTC ), my state attorney general, and considering litigation.
Product: Debt collection

I am filing a complaint regarding a collections account reported by Summit AR on behalf of my former employer, XXXX XXXX. I dispute the validity of this account as there is no evidence supporting a portion of the alleged debt. Below, I provide a detailed account of events. 

Initial Contact : -- On Friday, XX/XX/XXXX, I received a phone call from XXXX XXXX of Summit AR ( XXXX phone number ). 
XXXX XXXX informed me that XXXX XXXX was seeking repayment of a sign-on bonus and relocation payment. 
-- This was the first time I was made aware of any outstanding balance, despite having left XXXX in XX/XX/XXXX. I had received no prior communication ( letters, emails, or phone calls ) from XXXX or Summit AR. 
-- I requested written documentation from Summit AR regarding this matter. 

Received Documentation : -- On Monday, XX/XX/XXXX, Summit AR sent me documentation, including : -- -- A letter outlining the total balance of {$10000.00}. 
-- -- A XXXX Sheet PDF showing the calculation of the alleged repayment. 
-- -- An agreement with my electronic signature detailing the relocation payment terms. 
-- These documents did not include evidence of an agreement requiring repayment of my sign-on bonus. 

Resolution of Relocation Payment : -- On XX/XX/XXXX, I held a 20-minute phone call with XXXX ( XXXX XXXX number ) to review the documents. During this call : -- We agreed that the relocation payment obligation was supported by the provided documentation. 
-- I promptly repaid this portion of the balance. 
-- I disputed the repayment of the sign-on bonus, as no documentation supported this claim. 

Repeated Requests for Evidence : -- Despite my repeated requests, Summit AR has not provided any evidence supporting the need to repay the sign-on bonus. 
-- Key interactions include : -- -- XX/XX/XXXX : XXXX confirmed he would escalate my request for evidence to XXXX. 
-- -- XX/XX/XXXX : Summit AR confirmed the updated balance of {$2400.00}, reflecting my repayment of the relocation payment, but still failed to provide proof for the sign-on bonus repayment. XXXX stated he would file my dispute. 
-- -- XX/XX/XXXX : I followed up with XXXX, who confirmed that no new documentation was available. 

Current Situation : -- I have received no further communication from XXXX, Summit AR, or XXXX since XX/XX/XXXX. 
-- The collections account remains on my XXXX credit report despite the lack of supporting evidence for the remaining balance.
Product: Checking or savings account

On XX/XX/ at about XXXX XXXX EST, my bank account with Chime was compromised. My phone number was changed to ( XXXX ) XXXX XXXX and I was no longer able to access it. After the change in phone number, I was notified through email that {$1000.00} had been sent to another Chime member XXXX XXXX, whom I don't know. Spoke to Chime regarding the issue of someone trying to gain access to my account about 2 weeks ago because I was getting random security code texts. Was told by Chime not to worry and my money was secure. What a joke! I tried to warn them and they allowed my account to be compromised anyway! Now I have to wait 60 days before money that is MINE is returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with " The Fair Credit Reporting Act XXXX XXXX', Santander Consumer USA on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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: Mortgage

Per email on XX/XX/year> to resolve offer-in-compromise> XXXX XXXX, Per our phone conversation, my manager will accept a one-time cash payment of {$50000.00} for releasing the XXXX lien on XXXX XXXX XXXX. 
Please provide proof of the funds and when can we expect the payment to be made. 

Let me know if you have any other questions, thank you. 

Have a good day! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | XXXX Wells Fargo Bank , N.A . 
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX
Product: Prepaid card

I have several unauthorized purchases on my card. Actually, someone stole all the money off of my card. They changed my pin. Now I can not even speak to anyone as the card has no choices to even talk to a person. The phone number and website loop you and then just disconnect. I am in serious financial trouble and have XXXX ways to resolve the issue. 
This is the Way2Go payment from CPS in SD for reimbursement.
Product: Mortgage

This company is breaking the law by providing false information to new clients by offering a {$5000.00} if they do not sell the house with in 3 months. They ended up not selling my house and when I told them about my {$5000.00} they ignored me. They stated ( which i have proof by them ) if we do not sell your house in 3 months we will guarantee {$5000.00} compensation for not being able to sell the house. It has been over 3 months and they have not paid my {$5000.00} because they did not sell my house. They promised me {$5000.00} if they did not sell my house and they did not sell my house which it has been over 3 months and till now they did not give my {$5000.00}. They are lying and breaking the law because they are providing false information by stating if they do not sell your house in 3 months they guarantee {$5000.00}. They are bunch of liars. I have spoken to the guy and he says they will not give my {$5000.00}. By providing misleading information Elite XXXX  is providing false information to there clients. I am demanding a {$5000.00} compensation for the real estate company not selling my house in 3 months. I need this resolved now or my next complaint would be with the California Attorney General. 




Real estate license number XXXX Lic XXXX The agents name that lied to me is XXXX and his direct number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that TransUnion is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, a federally protected consumer, never gave TransUnion any written consent to report ANYTHING on my credit report. No consent was given and this is identity theft. I demand that these inaccuracies are removed off of my consumer report. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX I would like to state that pursuant to 15 USC 1681 ( a ) ( 2 ), the banking system is dependent upon fair and accurate consumer reports. By TransUnion allowing these inaccuracies to be illegally furnished on my consumer report, it has caused damages to me as well as caused me to lose confidence within the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I formally filed an adversarial proceeding to discharge my student loans. This proceeding is entirely pro per ; there is no outside help at all. At the time of the filing of this proceeding -- and since XXXX, the student loans have been on deferment/forbearance ; they have not been late at all. 

Upon filing, all of a sudden, I get a " late '' notation for the month of XXXX XXXX. This is impossible since at the time of the filing, the loans were in forbearance. I wrote to XXXX explaining this situation which they subsequently corrected. As of today, XXXX XXXX, XXXX, they have placed the " late '' notation back on the account -- - and there is no reason for them to do so. 

So, this matter, it seems, would involved XXXX XXXX XXXX and XXXX alike. XXXX XXXX XXXX for wrongly placing a late notation ( they did this for Trans Union as well ) ; and XXXX for their obdurate refusal to look in to the matter. 

In my amended adversarial complaint with the court against XXXX XXXX XXXX, I have noted this fact as well, namely, that they have wrongly reported me late to the credit bureaus, which is, ironically, further reason for discharge of the student loan.
Product: Debt collection

XXXX XXXX, sent a letter to my employer treating to garnish my wages. I asked the company not to contact my employer and I also told them i need o pay my loan with a different account. 

They have called me more than 5 times a day even at work.
Product: Credit card or prepaid card

I received a message and a call from American Express and was advised that me account was past due even though I set up automatic payments. I was advised that the late fee would be removed however it would come off of my balance and not the minimum due. Customer service was horrible and the fact that this company was not willing to assist in changing the minimum fee is not acceptable. I should not have been charged a late fee at all.
Product: Credit reporting

I am having issue with negative medical bills on my credit. 
I do n't even know what to do because I have tried everything. I can not get the credit agencies to tell me any information about the credit. I have XXXX insurances so all my medical is covered at almost 100 %. So I know they are either not my debt or the medical bills were not processed through the insurance companies. I have called over and over. Disputed the debt. I do n't know how to proceed. This has negatively damaged my credit. No one has been able to help me. Now I am getting calls all the time from a debt collection agency that I believe bought the debt. As a consumer what can I do? I did my part by providing the insurance information. They do n't want to process it. Why should I have to pay full medical bills when I have insurance but the offices failed to file the paperwork? Please Help!
Product: Checking or savings account

Citibank has held my funds for over 2 months. In XXXX XXXX, I deposited a check for about $ XXXX into my account. Since that day, they held my funds. They claimed that the check did not belong to me. Despite the check being under my name, Citibank still refused to release my funds. As of XXXX XXXX, I have called them over 100 times and tried to verify that the funds do indeed belong to me. The check was coming from a car insurance company as compensation for a totaled vehicle. 

Citibank asked me to provide proof of a business registration document by going to the branch. The document was taken to the branch, but after several phone calls to Citibank, they still refused to release the funds. Then, they told me to fax the documents to them. I did so, but then they said the documents were not received at the correct department. Despite this, the documents were faxed again a third time. 

They closed my account and have not paid my funds. 

Citibank is a dishonest bank and after 2 months of stress and calling, they still make excuses by repeatedly telling me to call them on Monday to resolve this issue.