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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I received information on my credit report that there was a credit balance from Stellar Finance for {$500.00}. I have never heard of Stellar Finance and/or worked with them before.
Product: Checking or savings account

On XX/XX/2022, the Upgrade XXXX XXXX Acct # XXXX was opened based on a promotion offer published by Upgrade.com wherein Upgrade promised to credit newly opened XXXX XXXX Acct with {$200.00} acct opening bonus if 3 debit transactions were made within 60 days of acct opening. No other conditions were added to the offer. The bank has refused to fulfill its promise and has explained the reason for denial was because Upgrade.com also offered a loan on a separate/different acct when the original checking acct was approved. I did not accept the added loan. It was not an added condition for the bonus. Here 's details of {$200.00} bonus offer when it was received in its entirety : " To qualify for the {$200.00} welcome bonus, you must open and fund a new Upgrade XXXX XXXX Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within1-2 billing periods following the third debit transaction on your XXXX XXXX account. Your Upgrade Card must be in good standing to receive bonus. '' I saves the original promotional offer and all its terms on the day I received the offer. Thereafter, 3 debit transactions were made within first 20 days of acct opening in XX/XX/2022. I sent a copy of the aforementioned terms and transaction history to Upgrade.com on XX/XX/2022 with my initial complaint. Today, I had a direct conversation with multiple Upgrade.com agents when the request for {$200.00} was once again denied. The Upgrade XXXX XXXX Acct remains open and in good standing as of day this complaint is being submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please conduct a proper investigation for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and send me proof of signature, the agency is reporting false information, this account is unknown to me. The account is showing paid and i need proof of validation and documention. It is reporting seriously past due. then it says it assigned to an attorney, what attorney is it assigned to?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a XXXX XXXX account on my credit report. This letter serves as a follow-up to the complaint I submitted to the CFPB on XX/XX/XXXX, regarding the inaccuracies in the reporting of this account.As of XX/XX/XXXX, your company hasn't responded through the CFPB portal withouXXXX any explanation. While you stated that you contacted the data furnisher and conducted a re-investigation, I believe that Experian failed to properly investigate my dispute in a lawful and timely manner, in violation of the Fair Credit Reporting Act ( FCRA ). Issues with Experians Handling of My Dispute : Failure to Conduct a Proper Re-Investigation : Experians dispute intake procedures are faulty, as they fail to convey all relevant consumer-submitted documentation to the original furnisher. Uncritical Deference to Furnisher Responses : Your response indicates that you rely heavily on the data furnisher 's response, even when such responses are improbable, illogical, or lack adequate verification. Failure to Utilize Consumer-Provided Evidence : Experian ignored documentation I provided to substantiate my claim that the account is being inaccurately reported. Violation of Timely Investigation Requirements : Per FCRA Section 611 ( 15 U.S.C. 1681i ), the reinvestigation period must be completed within 30 days ( or 45 days if additional information is provided during the investigation ). Experian unlawfully extended this period and failed to complete a timely, thorough review. Request for Resolution : To rectify this matter, I am requesting that Experian : Provide a detailed summary of the specific steps taken during your reinvestigation process, including how consumer-submitted evidence was reviewed and shared with the data furnisher. Supply the verification documentation received from XXXX XXXX that substantiates the reporting of the disputed account. Immediately remove the disputed XXXX XXXX account from my credit report if verification can not be properly documented. Confirm compliance with FCRA and document how you intend to improve your reinvestigation processes to prevent further violations of consumer rights. I expect Experian to comply with its obligations under federal law by conducting a comprehensive reinvestigation of this matter and ensuring that the information reported on my credit file is accurate and verifiable. Failure to address these concerns may result in further action, including filing additional complaints with the FTC and consulting legal counsel to protect my rights. Please respond to this dispute in writing within 15 days of receipt of this letter
Product: Credit card

On XX/XX/year> I purchased a pair of XXXX XXXX from XXXX at a cost of {$540.00} plus {$38.00} tax. I elected to spread payments over six months at {$91.00} per month. 

The tax of {$38.00} was charged to my Apple card immediately on XX/XX/year> and the first payment of {$91.00} was charged on XX/XX/year>. 

I returned the headphones - far too heavy- and received the tax refund of {$38.00} on XX/XX/year>. So far I have not received a refund for the first payment of {$91.00}. 

I wasted over two hours on chat with six or seven Apple specialists that accomplished nothing ; other than being told it's been refunded but no one could, or tried, to explain the fact that it shows nowhere in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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

On multiple occasions after making deposits Navy Federal Credit Union withheld the deposit resulting in overdraft fees, returned items, and no access to funds
Product: Credit reporting or other personal consumer reports

I was a XXXX XXXX and came back home to my identity being stolen. I checked my credit report and a car was purchased and a total of XXXX XXXX  accounts were reporting on my credit report. I have never had XXXX  before. I have never applied for XXXX. I have been trying to dispute with the credit bureaus however XXXX is the only account thats keeps coming back verified. I am trying to see how are they verifiying these accounts and they are not mines. I emailed XXXX  through their website requesting this information and received a response that I had to call. I contacted them and after being on the phone with a rep for over XXXX minutes she finally was able to find a account with my name and ssn attached too it XXXX, she was not a able to speak to be about this account because she stated that none of the info verify to me ( address, email, phone phone number ) only my name, dob XXXX and ssn. She then provided me with a collections number ( True Accord ) and I contacted them but they was able to assist due to the info not matching!! And he informed me to dispute through the credit bureaus and I infomed him that I have. He said that there is nothing he can do. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and email XXXX, Ive had this same info for over 10 years. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you.
Product: Mortgage

My current mortgage company, XXXX XXXX, transferred the servicing rights to SunTrust bank. However this company has not notified me of the transfer and I am trying to contact the mortgage department but I keep observing the phone is disconnected. I am submitting a complaint because I would like my loan servicer to be transferred to someone else or back to the original servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report again, I discovered that some of the accounts were erroneous. it is not authorized to fail to validate these reporting accounts as unverified information without providing any proof. The following accounts that need to investigate and correct for erroneous reporting in my file are listed on my credit report. 


XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been fraud since 2019. Im not sure why they insist to keep putting on my credit. Please I request this be deleted immediately. Ive tried every Angel to have removed without luck. There has been olive report sent in an person XXXX XXXX I want this deletes now. 
The next steps is hiring an attorney.
Product: Student loan

Several borrowers were granted a 3-month administrative forbearance due to Mohela 's failure to provide billing statements a full 21 days before the resumption of student loan payments. Notably, Mohela faced a historic fine for this specific issue. Affected individuals were informed of their placement on administrative forbearance and instructed to contact Mohela to request a refund for their XXXX and XXXX payments. 

Upon discovering that my account was not placed on administrative forbearance and that my payments for XXXX and XXXX were processed, I contacted Mohela and engaged in a conversation with XXXX, XXXX # XXXX. She explained that, as I was enrolled in auto-debit, I did not receive a traditional billing statement. Instead, I received an auto-debit reminder on XX/XX/XXXX for the payment scheduled for XX/XX/XXXX. However, the email reminder actually arrived on XX/XX/XXXX, providing only a 10-day notice before the payment draft ( see attachment ). This falls short of the required 21-day advance notice. This happened again in XXXX as I was notified on XX/XX/XXXX that my bill was due on XX/XX/XXXX ; again not providing me the full 21-day notice. 

XXXX clarified that the forbearance was exclusively intended for those affected by the lack of a 21-day notice through a billing statement. Nevertheless, I did not receive a billing statement at all, and if the auto-debit notification is considered the billing statement, I was not notified 21 days before the payment was drafted. Also, I never signed up for auto debit with Mohela, that information was transferred from my previous servicer. Mohela has had so many problems that I was terrified to change anything on my account. 

It is evident that this policy has not been consistently applied to individuals on auto-debit who faced similar issues. The same policy applied to those who did not receive billing statements 21 days prior to their payment due date should be applied to those who are on auto debit as we are similarly affected.
Product: Debt collection

As of XXXX XXXX XXXX XXXX for amount {$250.00} was reporting this account to my consumer report see attached documents they removed and it is no longer reporting to XXXX. They are currently reporting to my trans union and they are stating false and misleading information claiming that it is verified when it has already been removed. You are in violation and the information that is being reported is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account is listed with inaccuracies that violate multiple sections of federal law. 

Account Details : Creditor Name XXXX XXXX XXXX XXXX XXXX : Auto Loan Account Number : XXXX Balance Reported : {$7700.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide complete verification of the debt upon request. No such verification has been provided, and this account remains listed with inaccurate and unverified information.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Communication regarding this account should have ceased once the dispute was initiated, yet the account continues to be reported derogatorily.

3. Inaccurate and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain maximum accuracy in their reporting.

The account incorrectly lists a balance of {$7700.00}, even though the merchandise was taken back by the credit grantor.

The account should not be reported as both a Charge-Off and with a balance due, as this is misleading and inaccurate. 
The reporting of this account as a loss by the credit grantor conflicts with the supposed balance owed. 
XXXX. Failure to Issue a Form 1099-C for the Charged-Off Debt : According to IRS regulations, when a debt is charged off and the creditor cancels {$600.00} or more of the debt, the creditor is required to issue a Form 1099-C for tax purposes and report the cancellation to the IRS.

This account has been reported as charged off, yet I have not received a Form 1099-C, nor has any evidence been provided to show compliance with IRS regulations XXXX 
This raises questions about the validity of the reported balance and the legality of its continued reporting. 
XXXX. Recent CFPB Lawsuit Against Experian : I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently opened a lawsuit against Experian, the bureau currently reporting this account, due to their consistent failure to properly investigate disputes and validate debts as required by law. 
This lawsuit further highlights the systemic issues within Experians processes and reinforces the likelihood that my dispute has not been properly investigated, in violation of 15 U.S. Code 1681i. 


Sincerely, XXXX XXXX
Product: Mortgage

Hello my name Is XXXX XXXX XXXX, I went to request a loan to buy a house, I contact a office in XXXX XXXX Oregon called XXXX XXXX, when they run my credit report appear a debt under my report, house loan with Chase MTG for the amount of {$98000.00} since XX/XX/XXXX with late payments till XX/XX/XXXX for the amount of {$880.00} for the last 2 years payments have made on time and I would like to know who request this debt under my name using my information. Please fell free to contact me at any time at this number XXXX
Product: Credit reporting or other personal consumer reports

Purchased a new car- XXXX XXXX XXXX XXXX my credit and said it was XXXX. 
I had removed the freeze the day before because we were purchasing the car- they said they would try again put the freeze and turn off- t hat was on XXXX still XXXX they told me to call XXXX, I talked to XXXX on XX/XX/XXXX told to call back on XX/XX/XXXX talked XXXX said my XXXX was in the XXXX XXXX told me to call back on XX/XX/XXXX I did I talked to XXXX who sent me to XXXX filed a complaintXXXX XXXX sent me to XXXX who said has to be an error from Toyota not them. 
Spoke to XXXX XXXX Toyota XXXX who said no had to be XXXX. 
I am concerned as to how this happened and why they are both pointing fingers at each other- I received a letter from Toyota finance saying the credit score is XXXX on XX/XX/XXXX ( the day that XXXX XXXX XXXX it is XXXX ) We had to take the loan under my husband whose XXXX score is less than mine- this greatly concerns me if I want or need credit in the future- who did what wrong- this can cost me for loan percentage. It has been extremely frustrating - no one can tell me why when XXXX XXXX pulled the credit it was XXXX ( like a kid out of college with no credit ). 
I would like resolution on what happened and how to make sure it does not happen again. XXXX XXXX Toyota said they use a third party to pull reports- they also said good idea to report it so that you can figure out whose fault and what went wrong. 
Thank you
Product: Mortgage

Addendum to Case number : XXXX. In the documents forwarded to me by XXXX, on XXXX XXXX, XXXX, Bank of America states I received documentation the servicing transfer was mailed to me on or about XXXX XXXX, XXXX. I have attached documentation from the Department of Veterans Affairs, along with a copy of my drivers license, proving my address at the time the notice was allegedly mailed.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Received collections letter in the mail that XXXX XXXX had sent my account to collection and that my balance was {$360.00}. I contacted XXXX and they said my account was never sent to collections. 

Letter sent by American Coradius International LLC XXXX XXXX XXXX XXXX, TX XXXX Letter advises to make checks payable to American Coradius International LLC XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX payment with www.acibillpay.com
Product: Debt collection

This account was open fraudulently. I have no knowledge of this account. Please remove this account from my credit report
Product: Credit reporting or other personal consumer reports

Lexington law firm call me And sold me a package on credit repair sent info and told me to contact my creditors and send a certified letter to the credit bureau by the post office and my credit score should change they call you to up grade to a XXXX  pack and try to sell you a quicker way to increase. Your credit score which never happened but kept debiting my account .they debited my account on several occasions credit score never changed since then I have moved to another location
Product: Money transfer, virtual currency, or money service

My complaint is against Cash App. I disputed a transaction that was charged on my card XX/XX/2021 due to no services rendered. They refuse to credit my account for that transaction. I was told they would provide me a credit in 45 days of filing the dispute, which I believe was done on XX/XX/2021 on the phone with Cash App support. I havent received a credit to my account and its been well over 45 days since the dispute was filed. I received an email the other day that they were closing the dispute case now. How can they close the case when nothing has been resolved yet?
Product: Credit card or prepaid card

I have an upgrade credit card. I called them twice to close my account. Each time they said they closed the account, and I will receive an email within 48 hours. However, I never received any emails, and they never closed my account. I have a gut feeling that this company is a fraud.
Product: Credit card

Us Bank has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. Us Bank continues to verify the account with the burueus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

consumer financial helped me two months ago and removed a old debt and a collection agency off my credit i made the complaint and the collection company removed them self off the report since XX/XX/XXXX anothe collection company pheonix financial solutions bought the debt and reported it new on my credit report when original bill was XX/XX/XXXX. the statue of limitations ran out XX/XX/XXXX. I would like this removed since the prior collection agency debt recovery services, did not have the discovery or validation of the debt i'm pretty sure that this pheonix doesnt have any paper work either since they bought a 6 year old debt that wasn't even valid from XXXX. Can you please help me and het this debt removed off my credit report its illegal what Pheonix is doing they know its a 6 year old debt and they are reporting it as new its lowered my score i have r1 credit please help you were so helpful last time, Thank you for your time, Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft or incorrect reporting. These inquiries are currently being reported by XXXX, Equifax, and XXXX. 

XXXX. XX/XX/2023 XXXX XXXX XXXX. XX/XX/2023 XXXX, XXXX XXXX. XX/XX/2023 XXXX, XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

How every day I enter the app to check the status of my credit cards, today XX/XX/year> an auto lend account that I do not know appears in my XXXX report, I have not request a loan for auto lend, report how identity theft to the federal trade commission, I called XXXX to make a dispute because I have not requested any loan, please I need help, I am a victim of identity theft.