23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax refuses to remove an incorrect entry from my credit report. It would be very easy to verify that my claim is true. This debt was discharged in US federal bankruptcy court on XX/XX/2015. The reporting agency seems to have a very flawed process of " verifying '' that the information they are reporting is correct. They simply ask the agency reporting the debt if it 's correct. If the collection agency says yes, they take their word for it. If Equifax were truly concerned with reporting accurate information, it seems they should hear both sides of the story. Why would they refuse to call attorney XXXX XXXX who represented me in Bankruptcy court and get documentation that the debt was indeed discharged? 
Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX XXXX Or if they do not want to take his word for it, the court that discharged the debt : Bankruptcy ( XXXX ) XXXX Reference Number XXXX Date Filed XXXX XXXX, 2015 Date XXXX XXXX, 2015 Status XXXX Contact Details COLORADO FEDERAL COURT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Please help me get this nagging false report corrected. Thank you. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was informed that changes would be made to my personal information because I keep getting denied credit. This has had a marked negative impact on my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Filed a dispute with transunion to correct inaccuracies in my credit report. Rather than investigate the evidence I submitted in connection with my claim ( XXXX letter showing account was not in delinquency ). XXXX  provides false statement indicating that XXXX ( the reporting entity ) verified account status currently being reported is accurate. When its not. 

Per the letter issued by XXXX  in support of my claim, the account was in forbearance. And Transunion in violation of the fair credit reporting act did not update account nor conduct fair and detailed investigation into my claim and evidence submitted. 

I provided XXXX. with evidence ( a letter issued by XXXX  ) showing dates currently being reported by XXXX as inaccurate. Account was not late, account was in forbearance as listed by XXXX ( the originator of the information ).
Product: Debt collection

Midland Credit continues to harass me with false accusations of a debt, I have now received a Pre-Legal Legal letter from this company, and they have not validated any debt. I have asked on numerous occasions to provide proof of debt a signed contract with my signature consenting to any debt, I am aware of my rights as a consumer under the Fair Debt Collection Practices Act, specifically 805 ( c ), This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them.

Furthermore, I requested them to cease and desist all telephone communication through my residential or employment numbers. XX/XX/2023, Midland Credit violated my rights and called my phone after I requested them to STOP all communication, any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I have reported this company to The Indiana Attorney General Office and Better Business Bureau. I also have forwarded a copy of their said letter to an Indiana Attorney. 

I appreciate your efforts in this matter and look forward to your response. 
IF THERE IS ANY VIOLATION OF THIS CEASE AND DESIST A COMPLAINT SHALL BE MADE TO THE FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a written dispute to Experian on XX/XX/2023 outlining the items with inaccurate information, specifically : - U S DEPT OF EDXXXX Educational showing over 40 lates and a {$540.00} past due balance As of XX/XX/2023 my Experian credit report still contains this information and no response had been made to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint case to make sure that Experian will take the necessary action regarding my concern. I have been a victim of XXXX Bank Fraud with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have attached the federal documents to review. For your reference regarding my claim. Attached is the article from the Department of Justice article regarding the crime that has been committed. 
Below are the accounts that they opened and are still affecting my credit score. Sadly, all the accounts that they opened ended up as Derogatory, Sold to Collection companies, and Paid but with multiple late payments. I need to make sure that the credit bureaus will review my account and be on top of the investigation. I already disputed this concern with the credit bureaus and still not seeing any results. The people involved in this crime pleaded guilty of their roles in the XXXX XXXX  bank fraud conspiracy and are awaiting sentencing. I know that this situation should be handled by experts so it would be easy for these accounts to be removed from my credit report. I have been under tremendous stress because of this and I need this resolved as soon as possible. I am writing this letter with the highest urgency to be resolved. These accounts can not be in my credit file, these are the result of Financial Fraud therefore I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX  XXXX
Product: Vehicle loan or lease

this debt was charged off on XX/XX/year> and I didn't receive a 1099c form from them
Product: Debt collection

I requested validation of the debt. The company sent me a screen print of the purported debt from its own computer system. It has not sent me any contract between myself and the alleged original creditor, and it has not provided me with any statement sent to me by the creditor. I do not owe this debt, and a screen print from the company is insufficient validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit card

I have the Venmo Credit Card issued by Synchrony Bank. I always make my payment on-time and often before the due date. However, XXXX does not apply the payment for at least 7 business days and I've even experienced 13 business days. That is over half of the billing period! This is an issue for multiple reasons : 1. My available balance is not updated and thus my money and subsequent credit is frozen and unusable. 
2. They report to the credit bureaus the balance before the payment because they have not posted it yet, thus impacting my credit score.

3. No where in their terms of service does it state that it will take 2 weeks for payments to post. 

Support has no reply other than. " It takes time to post '' What are they doing with my money in the meantime? Investing it for their own gain because they aren't making money on me since I pay my bill on time?

This seems like unethical business practices.
Product: Checking or savings account

In XXXX and XXXX of 2023 I have tried with the Chime Bank to dispute several transactions from a direct deposit. The direct deposit amount is not equivalent to all of the transactions amount according to the phone call and the dispute was placed as an unauthorized transaction. Then another direct deposit from the federal reserve never posted to my balance, and was told I have no funds to deposit and receive funds in my chime bank checking account because of it.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. 
XXXX XXXX XXXX The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

XXXX Wells Fargo has downgraded my account from Premium to Everyday checking. I didnt want this change but I dont have a choice now I get charged for things I never got charged for the last nineteen years. I called several people and was offered an upgrade to Premier I just need XXXX XXXX dollars in my accounts. So in order to get a XXXX dollar cashiers check for free like it has been for the last ninteen years I just need XXXXXXXX XXXX? They dont seem to care about losing my business, what a disappointing situation.
Product: Mortgage

My mortgage loan was with XXXX but they sold it in XX/XX/2013, was told they sold it to XXXX then XXXX and now SPS. Nobody can prove or show me paper work that they own my mortage. I pay SPS every month but when I call to get any documents they never send them to me. I have requested the Doc 's numerous times, even tried online but it says I have to call. Nobody can prove they hold my note.
Product: Checking or savings account

Chase closed all of my bank accounts without any notice. I only learned of the situation when I received a notification that an automatic payment did not go through. I called Customer Service and they asked why I was calling - I stated that I needed them to tell me why I was calling given the issue with the payment. After a very long hold, the person informed me that my account was restricted and she had to transfer me. Again, explained the situation and was placed on hold and then informed that they had cancelled all of my accounts. When I asked why, she said she was not sure. When I asked how to get the {$50000.00} out of my accounts, since I tried unsuccessfully to access them prior to the call, she put me on hold again. She then said that the bank would send me the money. I asked when and she did not know. I asked if it could be overnighted - she did not know. She put me on hold again and then said I could go to a branch and get the money but they will need to call in to get a special code to release the funds. Asked again for clarification - you closed my accounts but I cant just go to the bank to get my money? She said yes. My husband went to a branch, asked to withdraw the funds, and was told they couldnt release the money and would need to call to get approval and that it could take hours. The banker said they would call when it was completed. That was on XX/XX/XXXX and it is now XX/XX/XXXX. I am not able to access or transfer any of my funds.
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to XXXX, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the XXXX. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted credit bureaus XXXX, XXXX, and Equifax about false inquires on my credit report impacting my credit in a negative way, however they still have not removed said inquiries and information form their reports. Ive called and sent letters and am still waiting. I want them to remove these inquiries and false information!!! XXXX XXXXXXXX XXXX inquiries on XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX, XXXX on XX/XX/XXXX.
Product: Consumer Loan

Now that the CFPB is proud of solving XXXX XXXX complaints I would like you to take a look to the complaint that I submitted back in 2012. ( XXXX ). The complaint was closed without even provide a response. Please review the complaint
Product: Money transfers

We sold a property in XXXX and transferred the money to our account here in USA. The XXXX Bank sent out the money on XXXX XXXX, 2016 via Deutsche Bank, XXXX. XXXX XXXX XXXX got the money transfer on XXXX XXXX, 2016. The money could not be traced from Deutsche Bank XXXX to Deutsche Bank New York for more than 4 weeks. During this time we lost more than XXXX in the exchange rate XXXX/Dollar. Deutsche Bank is blocking any information on where the money was for this 4 weeks. The only proof we have is the outgoing wire copy from the XXXX Bank and the arrival at XXXX XXXX XXXX. We complaint in XXXX, but Deutsche Bank said we have to go back to the XXXX Bank. But from there we have the clear proof with all correct banking details for the money transfer.And the XXXX " XXXX Deutscher Banken in XXXX '' seems to protect the Deutsche Bank also, as they do no open a case since XXXX when we sent them all documents and proofs.
Product: Debt collection

I enrolled with XXXX XXXX ( XXXX ) University, XXXX, XXXX campus. XXXX 2015. I am getting collection letters and calls after I withdrew from their campu in a timely manner. I tried to reach out to the advisor who did the enrollment and explained to her when I started getting emails from class information about attending classes on campus. I explained to her my classes was to be online due to my working schedule and travel from my job. First I applied for interest in a XXXX campus which was on my way home from my job. This campus went in and stole my information due to they saw my address and called me in to see their campus. I did only because I thought well I do live near by I can take the classes online. Well I went and there was a storm in our area but I wanted to keep my word. I was rushed given a bag of campus goodies, decals, pens, pencals, mouse pads etc. took a ID and parking pass. entrance exam etc. This was for a fall classes section. However after getting emails that the classes would take place on campus I reached out to the advisor and explained I would need to withdraw I could n't attend and also that I could n't get the financial aid through my employer at the time. So my emails and calls went unreturned by the advisor who did the enrollment. Then I got a call from her boss and was told I need to speak with financial aid office I then realized they wanted to make sure I did n't owe them money. I started to see their scam and thought to myself how could I this man told me I owed this school {$560.00} yes this amount and after I told him I was n't paying this amount and I would need a itemzed bill a break down for what this is for. I explained I never took a class, bought any books, anything nothing. So than after a few weeks, month went by and I got a call from a headquarter 's office in XXXX and explained all of this again to a gentelman who told me to go over to the campus and tell them what happen and I said, no. That my emails, should be enough, my phone calls and letters to the financial aid office should be enough. I explained to him that I did the same with XXXX and when I got a letter that from the federal student aid office my student loan was in default and I was not going to be getting a default clearance letter to attend their school I had to withdraw they were understanding. I did n't get a bill for {$400.00} or {$300.00} dollars. This is crazy for a bag of goodies which I can give them back really I do n't need to pay them for a bag of pens. Thank you for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit report from all three bureaus from XXXX. Once I got them and looked them over I noticed unauthorized activity [ FRAUD ] on all three credit reports. When I saw this, I contacted XXXX  and XXXX immediately -- They acted IMMEDIATELY with disputing the unauthorized items on my credit report, and they placed a fraud alert on my account to protect me from Fraud. Their services were awesome, and they were so kind. CAN'T SAY THE SAME ABOUT TRANSUNION. I contacted them, and told them that I have unauthorized activity on my account [ INQUIRIES THAT I DID NOT AUTHORIZE ] and they completely gave me the run-a-round, saying they couldn't and would not help me. The people I talked to were rude. They have no IDEA the trauma that goes with fraud. It's sickening to know that these people won't even help someone that's experiencing something like this. The only thing I needed disputed and deleted were ten inquiries that I DID NOT make.
Product: Credit card

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.
Product: Credit reporting or other personal consumer reports

please stop requesting my credit report. I did not give you permission to request my report.
Product: Checking or savings account

Hi, in XX/XX/2017 I received a Quick Pay of {$400.00} by mistake on my Chase account. Days later Chase representatvies contact me to authorize the return of the funds to the original person.
After 5 minutes, i did authorize it however on XX/XX/2017 Chase withdraw twice the amount ( {$800.00} ) from my account. After I notice it I call them twice, after +1hr on each of these calls they have n't be able to return {$400.00} that were withdraw by mistake from my account.
I do n't know what 's going on, but I ca n't believe that it took me 5 minutes to authorize the return of the funds, and is been days trying to get the mistaken withdrawn funds to my account.
I do n't know what else to do, i open a customer service request, talk with different people and is been a waste of my time. The bank should be responsible and return the funds and then figure out where the money went. My name is XXXX XXXX thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act DEPT OF EDXXXXAIDVANTAGE XXXX, has violated several of my rights by reporting this same account 14 separate times with different original balances and 11 late fees for each reporting. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XX/XX/year> : XXXX XX/XX/year> :
Product: Debt collection

KelKris ( XXXX Credit Bureau Associates ) drafted a Stipulation to Set Aside Default and for Settlement and Entry of Judgment to discharge a debt filed against me. The company 's attorney negotiated an amount of {$4200.00} with my attorney, I accepted it, and sent them a check in keeping with their instructions in the Agreement. Now they are reneging on it saying the {$4200.00} was in error. Now they are saying they want {$6700.00}.
Product: Payday loan, title loan, or personal loan

I lost my only brother to a hit and run whom my mother depended solely on for income so in desperation I sought financial help online after being turned away by my bank, I found Loan Me located out of XXXX Ca the process was so easy even for someone with bad credit like myself but I borrowed {$2600.00} in XX/XX/XXXX first pymt was {$500.00} then the following 8 of {$380.00} or more then COVID-19 and XXXX XX/XX/XXXX happened I feel behind again came across lump some thought it smart free up monthly income so I attempted to pay off Loan Me they wanted {$3200.00} from me which I did not have I can not settle with them here we are theyve collected every month on time with all that interest and late fees and when I reached out in XX/XX/XXXX I told I could pay that due to covid19 trickle effects on my entire household income to help resolve this debt the refused Iwork hard to pay off ALL my debt and my credit scores wont reflect this if they report it as bad debt to the credit bureaus