23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

a few days ago. I had deposited a check into my chase account it was placed on hold to be processed until XXXX I tried using my account this morning XXXX and got decline I called chase and they told me because of the check being returned my account was closed without any information given prior of them closing it... I tried to talk with them and they simply said I'm sorry chase brands doesn't want to do any more business with you anymore .... I been with chase my whole life and never had an issue, I tried to explain that to the guy and he said they can't do nothing. I paid all my times I been overdrafted In the past yet over a bounced check they close it. I have all my payment set up with chase by chase, and all my direct deposits to my chase accounts never have I been at bad .after today issue I want to file this and processed with Law suite against chase
Product: Student loan

Please investigate Nel Net Inc, I have sent them my 1099-C which was accepted by the IRS to discharge the debt, and I have asked them to remove the reporting from my consumer credit report. 

Subject : Request for Debt Cancellation and Securities Transfer To Whom It May Concern, I am writing to formally notify you that a 1099-C was submitted to cancel the debt associated with my account. Therefore, I request that you remove any related accounts from my credit report immediately. 

Additionally, please transfer my securities into my XXXX  XXXX XXXX  without delay. Below are the necessary account details for the transfer : Routing Number : XXXX XXXX XXXX XXXX XXXX If you fail to complete this transfer promptly, I have a XXXX  XXXX at my disposal who will conduct a XXXX  audit. Furthermore, I will proceed with filing a complaint with the Securities and Exchange Commission ( SEC ). 

Please consider this matter as urgent and respond accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XXXX, 2019 I mailed XXXX letters complaining about how they had illegally obtained a report from XXXX XXXX and attached it to my XXXX Report without my permission or any sign authorization from me to obtain this report. Nowhere in any information that XXXX issues state that they can attach any other vendors report without your permission or authorization.
Product: Credit card

I am writing to request your assistance in resolving an issue regarding a {$39.00} return payment fee charged to my XXXX XXXX Amex Card. The charge was applied on XX/XX/year>, when the payment of {$1300.00} bounced on XX/XX/year>. {$1300.00} was debited from my bank on XX/XX/year>. 

Upon contacting American Express to inquire about this fee, I could not receive a clear explanation as to why the {$39.00} was incurred, especially when the payment was successfully processed later through another system attempt.

Thank you for your attention to this issue!
Product: Credit card

My son made the full payment on the card. and he processed the payment! Then they canceled the account without any explanation! then it was tried on several occasions and it turns out that they want more money and above all they asked me and my potential son negative and they damaged our credit on purpose! It was on the credit no late payments ok now they changed it and put debts that were never paid
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has deleted 3 other fraudulent XXXX XXXX accounts on top of others, however in my past disputes they seem to skip over this one. Even when I opened a dispute immediately after they deleted the others, they said this was correct. This XXXX XXXX account does XXXX is fraudulent and is listed in my identity theft report. It needs to be removed.
Product: Credit reporting or other personal consumer reports

This company is violating the Fair credit reporting act by improperly using my credit reports for the accounts stated in the attached dispute letter. 

Those accounts that are being reported are charged off/canceled debt and because they are canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication. The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT which in fact makes the reporting of this information inaccurate. Furthermore I was NOT provided with ANY 1099c copies which violates the IRS. A screenshot from the IRS website has been provided. As your company know it is against the law to report any information not proven accurate pursuant to the Fair Credit Reporting Act. I demand that you provide me with concrete evidence of my obligation to said account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Product: Debt collection

XXXX installed solar panels and since installation for $ XXXX it's not generating any power. It was amazing and shocking with solar panels before the electricity bill was much lower like {$100.00} or {$150.00} but after installation in XX/XX/2023 and XXXX bill in XX/XX/2023 electricity bill was super high. Now fast track disconnected solar panels I am getting low electricity bills like {$100.00} to {$200.00}. 

Despite thousands of requests NO response at all. 

People get solar installations to get no electricity bills at all. 
Sola Panels become a pain keep on getting invoices for disconnected solar panels.

There no response to resolve isssue
Product: Debt collection

After my identity became compromised unauthorized accounts haunted my credit file. Not one of these accounts I authorized and got in business with, This account " Lending point LLC ", Im demanding it be blocked and immediately removed from my file. There's no agreement with this company, Lending Point LLC, in which you and/ or your companies can produce any written binding physical contract or / any other instrument of me agreeing to any business with the above companies. Therefore, please remove account immediately. 1 ) Lending Point LLC. 

Attached is the FTC provided various times to Lending Point. They are not willing to investigate the issue and deny with no reason. They continue to refer me to XXXX XXXX XXXX, a company they sold the loan off to before the end of this investigation and XXXX XXXX has already removed this fraud loan off of my credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a copy of my consumer report and noticed some accounts that do not belong to me. I have never entered into a consumer credit contract with any of these companies listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I request evidence from these companies and they have failed to provide proof that I consented to anything. I want a full reinvestigation into these fraudulent accounts. 15 USC 1692G states that all debt collectors provide sufficient evidence to support they claim. I know I never signed anything with these companies so these accounts shall all be removed.
Product: Student loan

I co-signed 3 loans. They were originally XXXX  loans, and they explained they were sold and became all Sallie Mae. As the Co-Signer, this information was only sent to the borrower. I XXXX was in bankruptcy and have been discharged XXXX  XXXX XXXX. The loans were listed as unsecured priority. Upon the discharge the bills began to come to my home address. then the letters of default. I called and they said the loans has not had payment in 2 months. i noticed they had sent this information to the credit reporting agencies. also concerned if this loas should be forgiven,. 

I asked about the law suit on discharge of loans and XXXX and did this apply. Since they are a private debt, the bankruptcy code previously required a adversary proceeding, an had to apply the XXXX test. My chapter listed it was being paid outside my plain. they were aware, as the billing stopped during this period, They knew I was going to be discharged ; I sent the a case that until XX/XX/2021, when a federal court ruled that private student loans are not considered qualified higher education expenses under the U.S. Bankruptcy Code.
Product: Debt collection

HUNTER WARFIELD is attempting to collection on a debt that was caused as a result of identity theft. 

My identity was compromised in XXXX. Someone broke into my car and stole my wallet and other items that had personal information. It 's unclear who exactly however the Department of Justice might have arrested someone. If the apartment they collect for verified ID or went through proper identification procedures they would have seen it was n't me. 

I sent a certified letter containing : FTC Fraud Affidavit on XXXX/XXXX/XXXX ( Receipt XXXX/XXXX/XXXX ). I have not received a response. Today, XXXX/XXXX/XXXX I sent another certified letter containing all of the above documents and DOJ Victim Letter. 

Please feel free to review the attached documentation and proof of what they received and when HUNTER WARFIELD received it. 

I 'm hoping to get this resolved soon. Thank you XXXX XXXX
Product: Debt collection

I have been getting calls from these people over a debt that they refuse to provide any documentation that I owe, over the last 2 weeks. They supposed that I took out a payday loan when I lived at an address that has not been my address in about 12 years. I asked for the name of the lender and was given a list of possibilities. Upon calling all of them they told me that was completely inaccurate and not to pay these people. 
I asked for them to go ahead and send their documents, I have no issues debating this in court as their practices were completely inappropriate. They told me I would be arrested today. This is unacceptable. I have no company name even. The phone numbers I have are ( XXXX  ) XXXX-XXXX  & ( XXXX  ) XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the accounts removed from my reports that don't belong to me.
Product: Credit reporting or other personal consumer reports

Delete this account for Violation and inaccuracy because the last paid date for XX/XX/2019 through XX/XX/2019 reported is incorrectly on XXXX, Equifax and XXXX. In addition, number of late payments and status of account on XXXX do NOT match with Equifax, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect, Status are incorrect on XXXX, Equifax, XXXX. 
Account name XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a hard time correcting the payment status on my student loans from XXXX  XXXX. The payment status is reporting inaccurately to XXXX and XXXX for XX/XX/2015. There is seven loans with one late payment for XX/XX/2015 on them. There is four loans with one late payment for XX/XX/2015.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding a significant inaccuracy on my credit report related to my XXXX XXXX XXXX account. 

I had a vehicle lease with XXXX XXXX XXXX, and every payment was made on time and never late. My credit report reflects this accurate payment history. However, my credit report now shows a charge-off for {$390.00}. This is a blatant inaccuracy, as I have never missed a payment with XXXX XXXX XXXX. 

Upon discovering this error, I promptly disputed it with both XXXX XXXX XXXX and Experian. Unfortunately, XXXX XXXX XXXX has not responded to my dispute. Moreover, Experian has updated my credit report to reflect the charge-off in the payment history, which is false and damaging to my credit profile. 

This erroneous reporting, which appears to be a clerical error, is unjustly harming my credit score and financial standing. I request that the CFPB intervene to ensure that this inaccuracy is corrected promptly. Specifically, I am seeking the removal of the charge-off notation and any related negative marks from my credit report. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data
Product: Credit reporting or other personal consumer reports

I have tried to remove these unauthorized inquiries report repeatedly and am not getting the help or results I need. I have submitted FTC reports, police reports, and called Equifax over and over while their representatives lie to me and tell me that they will be removed in 24-48 hours with no results to show even weeks later. These fraudulent inquiries are holding me back from moving and improving my credit score. Please help me as soon as possible.
Product: Credit card or prepaid card

On XX/XX/2023, I redeemed cashback rewards totaling {$110.00} from my credit card to my checking account ( see image XXXX ). 

I received in my checking account {$1.00} on XX/XX/2023 ( see image XXXX ). This was clearly the wrong amount, so I contacted them via their secure message system on the same day ( see image XXXX ). 

They responded XX/XX/2023 indicating a dispute had been initiated, and they would follow up with a response by mail ( see XXXX ). 

I called their customer service line XX/XX/2023 to follow up on the dispute. I was told they had recognized the issue, but were still working through it. 

I followed up XX/XX/2023 via secure message since I had still not received a response or update. They replied with more or less the same response about the dispute on XX/XX/2023 ( see XXXX ). 

I called later that day to inquire further. The CS rep I spoke with mentioned they had a fix in progress, and that I should see my deposit soon. She also mentioned others were affected by this issue. 

As of today, XX/XX/2023, I still have not received the full amount I redeemed. 

While I understand they have an issue in their system, it is clear they recognize the problem, but they have not taken steps to make me whole. It's been almost 40 days since I redeemed my cashback, and me receiving it should not depend on them tracking down a bug in their own system.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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: Money transfer, virtual currency, or money service

I am tired of dealing with Western Union for the issue i have been having with my transaction. I sent the money using western union bank to bank service but the receiver never received the money in the their account. It has been so long with this issue that i, myself have flown to the country where i transferred the fund through Western Union and have given the money in the receiver 's hand, but Western Union has not been able to solve my issue yet. Every time they call me and say that they have confirmed with the partner bank and have transferred the money. 
Even when i check the status of my transfer through their app, it says only delivered, NOT received. Attachment enclosed.
Product: Debt collection

I recently checked my credit report and saw a collection from Southwest Credit Systems, which is odd because all of my debts are paid in full or on time. I sent a dispute to XXXX  as it only appears on that report but am unclear how something can be added to my report without providing any information to me prior? As I look into the item more, I see it originated from XXXX, with whom I have current service and an up to date account. Someone at XXXX failed to turn the services off at my prior address and I have been back and forth with them about the amount outstanding, which by the way is not my responsibility as I contacted them 30 days prior to moving. There has been no other letters or communication to me regarding this alleged debt. Therefore, it is illegal to place a collection on my credit, causing me to be negatively impacted, as if this is a debt that belongs to me that I failed to pay. This is NOT my debt and needs to be removed asap!
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, an old closed account from about two years ago suddenly reappeared in my Equifax credit report under collections, which caused my Equifax credit score to drop by XXXX points. This collection was not present on my XXXX or XXXX reports, which remained around XXXX. 

I contacted the debt collector and obtained a deletion letter confirming that the collection should be removed from my Equifax report. I submitted this letter to Equifax, and on XX/XX/year>, the collection was deleted from my Equifax credit report. 

However, despite the deletion of the collection, my Equifax credit score has not recovered and remains significantly lower at XXXX, compared to my other credit bureau scores. I have not seen any improvement in my score even after the deletion, and there have been no other changes or recent activity on my credit profile during this time. 

I have contacted Equifax multiple times to resolve this issue and requested an explanation as to why my score remains unchanged, but I have not received any satisfactory response or resolution. I believe that the investigation into my case did not fully address the impact of the error on my credit score, and I would like my case to be further investigated and my score to be corrected.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error on my credit report that has significantly impacted my XXXX XXXX. Today XX/XX/year> a collections account was removed from my credit report. According to the information provided, the removal of this account should have resulted in an increase of XXXX points to my XXXX XXXX. However, instead of an increase, my XXXX XXXX was reduced by XXXX points. 

The details of the account in question are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Removal : XX/XX/year> This discrepancy has caused undue stress and potential financial harm, as my XXXX XXXX is a critical factor in my financial planning and creditworthiness. I have attached copies of my credit report before and after the removal of the collections account, as well as any relevant correspondence that supports my claim. 

I kindly request that TransUnion investigate this matter promptly and correct the error in my XXXX XXXX. Please provide a written confirmation of the receipt of this complaint and inform me of the outcome of your investigation at your earliest convenience. 

Thank you for your prompt attention to this matter.