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

On XX/XX/2022, I sent a letter to XXXX to investigate accounts that are being reported inaccurately on my report. I received a letter from them dated XX/XX/2022 stating that they take my privacy seriously and I needed to send proof of identity ; which I did on XX/XX/2022 and gave them the 15 days to complete the investigation. I then received another letter from them dated XX/XX/2022 stating the same thing, requesting proof of identity AFTER I provided it to them. On XX/XX/2022, I sent them a letter and provided them with the requested documents and gave them 15 days to complete the investigation. And as of XX/XX/2022, they still have not responded and they continued to report this inaccurate information on my report. 
I demand that they delete this inaccurate account on my report immediately. 

XXXX XXXX XXXX  Account No : XXXX Reported Balance : {$890.00}
Product: Checking or savings account

Reference no : XXXX Wells Fargo is purposely reversing claims after the accounts have been closed and the issue was resolved. XXXX XXXX charged an annual fee for {$100.00} after my laptop had just been purchased after 2 weeks. This transaction occurred through my XXXX account. 

The claim was filed on XXXX. I am no longer affiliated with Wells Fargo. This is the second reversed claim that Ive received after leaving the bank. 

This bank should be investigated for its practices.
Product: Debt collection

Since XXXX I have only taken my daughter one time to XXXX XXXX My wife has taken her to all visits after that. 
XXXXXXXX XXXX stated that there is a balance due of 18 dates of service totaling {$4100.00} for XXXX XXXX XXXX XX/XX/XXXX. 

I was listed as the guarantor even though my wife did paperwork to be the guarantor for XXXX and assume all medical debt responsibilities. 

My wife holds the medical insurance and she is the one who took XXXX to all of her Dr visits. 

We have XXXX other daughters as well and XXXX my wife pays all those medical bills. 

First credit was receiving payments from me like I stated earlier since XXXX but When they switched agencies to USBC, it was sold, and that is when this amount showed up on my credit report in collections. 

An amount of {$530.00} has shown up on my credit report in collections from XXXX XXXX. 

I had been paying $ XXXX {$40.00} per month for years to XXXX XXXX which is a collection. Agency that XXXX XXXX uses and this agreement kept any balance from going to my credit. 

However XXXX XXXX changed agency providers to UsBC America and this company reported it to the credit bureau. 

Now both USBC is telling me to go to XXXX XXXX to have the Debt put in my wifes name and XXXXXXXX XXXX manager is telling me to go to USBC to have them change the Debt to my wifes name. My wife has emailed XXXXXXXX XXXX requesting to assume the Debt and she has talked to both USBC and XXXX XXXX billing department and they keep pushing us back and forth and Im a big circle with no resolution. 

I also am very unhappy with the billing manager at XXXX XXXX, I called multiple times with no response and finally XXXX who is under the manager called me late Friday afternoon only to tell me they couldnt do anything. The manager wouldnt even call me herself after multiple requests. 

We also did not know that we had any debt from XXXX XXXX We were only receiving first credit, so XXXX XXXX did not send what they needed to us so we could understand. Only now are we receiving letters from XXXX XXXX after I have contacted them multiple times.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Dobt ) for the following charged off accounts listed below. ( XXXX XXXX XXXX ) After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXXBalance : {$9.00}
Product: Credit card or prepaid card

Complaint # XXXX Synchrony Bank stated that the dispute has been resolved. It has never been resolved. 
I am still being stone-walled by that Bank. They are not returning my calls. I paid an extra XXXX dollars on XX/XX/XXXX to cover the Fraudulent Charge. Synchrony later stated the XXXX dollar dispute was resolved in my favor but they have never put that XXXX dollars back into my account. 

Purchase - XX/XX/XXXX XXXXXXXX XXXXE XXXX FL Posted {$80.00} - Payment - XX/XX/XXXX PAYMENT - THANK YOU Posted- {$4.00} - Payment - XX/XX/XXXX PAYMENT - THANK YOU Posted- {$96.00} - Payment - XX/XX/XXXX PAYMENT - THANK YOU Posted- {$66.00} - Adjustment - XX/XX/XXXX BALANCE TRANSFER Posted {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date they have not responded. 

The following account was never late XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$53.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$76.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$14.00} ). Please correct this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

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: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was bought out by Mr Cooper several months ago. They knew that my property tax payment was due on XX/XX/XXXX but did not pay even though there was nearly double the amount of tax due in escrow account. When I got late notice from town office, I contacted Mr Cooper through online messages and phone calls and finally 2 weeks later, they finally made the payment. They list my next tax payment due on XX/XX/XXXX even though it is actually due on XX/XX/XXXX. They also did escrow analysis and created an overage because they don't have the next payment date correct. This will lead to a shortage later. I do not trust this company to handle my loan and I never chose this company to handle/service my mortgage. 

What is my recourse? I will continue to pursue every possible avenue including a class action suit with other people experiencing the same problems.
Product: Mortgage

I have has a second mortgage with HSBC since XX/XX/2006 at the rate of XXXX %. I have paid my mortgage on time but, after all these years my loan amount have only decrease only by {$4000.00}, and on top of that at the present time I work only part time and my spouse is on a set income. We have request for HSBC to extend our home modification on our loan because of our circumstances have not change. The modification was for only XXXX months before it ended. This is the interesting part about my situation. We received a loan to update our home for {$39000.00} about XXXX years ago. I pay {$460.00} for XXXX and half years and the rate of the loan only decrease to {$35000.00}. This mean I will never pay this loan off. I have pay them if my math is correct we have pay a total of {$44000.00} for the total of the XXXX and half year. I have pay this loan off with an additional {$5000.00}. This companies have railroad people for years and need to be put out of business. This is truly example of predator lending because you are trap unless you let go of your home. Is there something that can be done for financial companies such as these.
Product: Credit card

So I paid a payment to pay off credit card it was XXXX balance in XX/XX/XXXX I paid a payments in XX/XX/XXXX no paymnets in XX/XX/XXXX and 3 payments in XX/XX/XXXX including the pay off so XX/XX/XXXX comes around my XXXX paymnet got returned so instead of them contacting me they closed my hey your payment returned they closed my acct they said it was closed because returned check did n't give me opportunity to pay and told me they are gon na charge it off rudely I may add on XX/XX/XXXX I contacted them that 's how I found out about this situation now reason my check returned was because I 'm going thru litigation with my brother over our company and he returned check with my funds messy situation but I offered to pay my credit card balance to XXXX from what it is now I thought me having this card for 4yrs would n't be a big deal so they said I 'm 124 days past due cause my cash payments in XX/XX/XXXX was n't what was owed so they do n't count it as payment basically do n't care about my situation I spoke with collections and basically they do n't care even tho I can pay down balance to under my available credit it 's closed and they wo n't re open cause I 'm 124 days past due which is un true if u count my XX/XX/XXXX cash payment
Product: Credit card

I called Ultas commenity bank service on early XXXX of 2023. I called because I was a day late on my payment and did not want them to flag my account or my credit score. I had already paid the account completely by then. Customer representative was in polite and only told me that it will not be flagged as a delinquent account. I asked them why would it be flagged as a delinquent account when the account is paid in hole? He replied there is nothing we can do so I told him to please close my account and I dont want any more services or credit behind this company. Within a week My account was closed. Then starting this year, not only they reopen my account under nobodys contract, consents or negotiations, and charged me some fees they keep piling up till this day. It has also hurt my credit score. Please close this account.
Product: Credit card

I have XXXX credit card charges with American Express ( they are the same charges so it is impossible to differentiate what amount of the charges was for our purchase of their ( the merchant 's ) timeshare and what amount was for fees to enable the merchant to complete the purchase of our XXXX timeshare ) related to XXXX the purchase of a timeshare from a merchant and fees paid to the same merchant for the merchant to purchase our XXXX timeshare. 
I am not sending this complaint regarding the dispute but rather AMEX 's responsibility for the charges. 
AMEX is assuming that illegal documents are legal and a legal cancellation is not valid. If that is the case then why is AMEX ignoring the transaction exchange rate and charging us more than the agreement states? Exhibit XXXX page XXXX. How can AMEX determine that an illegal document binds us but does n't bind us to the exchange rate?
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have been dealing with Transunion for over a year now and they continue to fail me and think that they are above the law when dealing with the furnishing of information on my consumer credit report. They sent me a notice about a credit repair company when I have reached out pertaining to Dept of EducationXXXX on a multitude of several occasions from the beginning of last year around XXXX when I started disputing. They have not provided me investigation procedures, they have neglected to open investigations and everytime when it comes to removing this information that I don't recognize and not only that it is extremely inaccurate they are always giving me the run around and not doing their job as if they are biased to the side of the creditor. I have reached out to the creditor about this account as to validate the information and dispute under several attempts and they don't get back to me either and neither does Transunion. Within the past year of trying to dispute this information I have suffered health issues and a mental toll dealing with this stress and enough is enough! Not only have they defamed my character severely there has been no proof of what they are stating, none of this information has been verified and I just am tired of being given the runaround.
Product: Money transfer, virtual currency, or money service

Sold a product to a person on XX/XX/XXXX. They used Zelle to send the money. Total was {$120.00}. Zelle said sign up. I signed up, even though I had signed up before. Said money would be in my account in XXXX business days. Money never showed up. Bank ( XXXX ) has no record of transaction. I believe Zelle is holding it hostage. Trying to get it fixed before it gets sent back to sender.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, Hard Inquiry : XXXX, Hard Inquiry : XXXX, Hard Inquiry : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

I had an insurance policy with progressive that was on a prepayment system. I cancelled this policy before the start of the next billing cycle however I was billed for an additional month. I was able to settle this with progressive however a debt collection agency began reporting this as a past due debt. I tried disputing this with the debt collection agency however they didn't respond.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX XXXX  on XX/XX/year> asking them to validate an account XXXX that is on my TransUnion credit report. I waited 30 days for them to respond and did not get a response from them. 

I then send a second letter on XX/XX/year> asking them to remove the account from my TransUnion credit report because they failed to respond to me within 30 days of my first letter. 

It has now been 30 days since I sent the second letter and I still haven't gotten a response. 

Please have this account removed from my TransUnion credit report.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602A. States that 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 Witten instructions.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Checking or savings account

Hunting Bank is the issue here. And my checking account number is : XXXX. I think and believe that possibly my bank is taking advantage of me being XXXX XXXXXXXX person ... whereby during my previous conversations with persons at my bank... they have told me that Huntington Bank processes my deposits from my XXXX account very slowly. Which then causes me NOT to be able to track my checking account balance properly and it seems then that my deposits are processed in a manner which literally CAUSES my checking account to become WRONGLY overdrawn. For example, there are NOW due to such questionable taking advantage of me... approx. 5 or 7 overdraft fees which have been seemingly deceptively charged against my checking account ( e.g. on XXXX and one on XXXX ) at $ XXXX each -- - such that NOW my checking account is OVERDRAWN by - {$210.00}. Also, at least one ( 1 ) of the overdraft fees is actually for what as best that I can tell an ACTUAL credit/ deposit in the amount of {$97.00} on XX/XX/2022. My checking account is in my name : XXXX XXXX XXXX and my address noted on the account is : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. Please respond to me via email @ XXXX.
Product: Credit card

In XXXX XXXX I received an offer in the mail from Chase for a Chase Slate credit card with a 0 % balance transfer interest rate for 21 months. I have 2 other Chase cards and had financed and paid off a vehicle through Chase with no issues. I was approved for the Slate card. 

When the documentation arrived in the mail, I saw the interest rate was 29.24 %, not the 0 % offered. I called customer service on XX/XX/2023. The call was recorded and I had a witness listening. I was told the account was updating and the interest would be 0 %. After one month of 0 % in XXXX XXXX, I went ahead and transferred a balance. After XXXX the interest went to 29.24 % and was not noticed by me until XXXX XXXX 

I immediately called, spoke to a representative, then her supervisor, to no avail. I asked that the complaint be escalated and a report was filed with XXXX XXXX. XXXX. I have attached their response. It does not appear as if they bothered to listen to the audio call from XX/XX/2023 when their representative told me the interest was updating and would be 0 %. 

I would NEVER have accepted a card with that rate. I would have canceled it on the XX/XX/2023 call to them if I had been informed that the rate was 29.24 %. I kept the card after that phone call based on their representation that the interest was 0 %, as I had applied for. 

This is extremely deceptive advertising and practice. I am seeking my interest reimbursed and will be transferring to another card.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA 611 Violation I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

XXXX XXXX Account Number : 4965** The account is incorrectly reported - Account Number on Experian credit report does not match account number from XXXX Please completely remove this inaccurate trade line from my credit report per my rights under the FCRA XXXX Section 611 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

The date you contacted the individual funishers of information.

The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 

Please forward an updated credit report to me after you have completed your investigation and corrections. 

Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute a fraudulent account on my credit reports resulting from identity theft. This account was opened without my authorization or consent, and its reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX Account Number : XXXX ( Experian, XXXX ) Under 15 U.S.C . 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting this account without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that this account was created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure this account is removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address this violation promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.