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

I recently reviewed my credit report and was deeply troubled to discover several inaccuracies that have caused me significant distress. These items are unverifiable, invalidated, and questionable, and they do not reflect the accurate status of my financial history. 

As per the Fair Credit Reporting Act, it is crucial that all information on my credit report is reported accurately. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) clearly stipulate the requirement for complete accuracy in credit reporting. 

I have enclosed copies of all correspondence I have sent regarding these discrepancies for your reference. I kindly request that your agency promptly investigates these issues and takes the necessary steps to correct the errors in my credit file. 

Thank you for your attention to this matter. I look forward to your swift resolution.
Product: Payday loan, title loan, or personal loan

I had a reserve line of Credit at US bank, in addition to my regular checking account. The reserve line was in past due status, as I was going thru a tough time financially. They called me demanding that I need to make a minimum payment ( well before 90 days past due btw ) to keep my account in good standing. 

I asked them if I was to scramble and somehow make that payment, that my account would be in full good standing. I was VERY clear about this. They lied and said it would be, then I scrambled to make the payment, only to find out that they had put the account into a paydown status only BEFORE our call. So, essentially the account was closed and they lied to me to get me to make a payment. 

This is a screwed up thing to do to someone when funds are extremely tight.
Product: Credit reporting or other personal consumer reports

Im a victim of equifax data breach and part of the class action settlement, I received an email today XX/XX/XXXX from equifax saying i qualify for additional pro rata payment, I havent even received the first settlement let alone pro rata. 
I called equifax and i found out i was communicating with an automated email account back and forth, i finally got hold of someone on the phone and told me that my check was paid in XX/XX/XXXX, I told her i never received a check and she saw on her end that i didnt receive any check she said she will reissue a check for me but immediately said they are no longer sending out the payment for my time and stress while filing the claim and diligently monitoring my own credit by myself after being failed by a giant credit monitoring company, I told her i will look for the right agency to report equifax to, she tried to talk me out of it telling me she escalated my case and someone should be contacting me from equifax , I made it known to her regardless of the call i will report equifax to the right agency, i felt a big blow on my face after being failed by equifax to not knowing who has my data or what atrocities my name may be acquainted with equifax told me to go hit the rock!
Product: Credit card or prepaid card

Back in XXXX XXXX. I was getting XXXX money. I had pre payed card from one of the institutes that New Jersey XXXX deposits the money. I am trying to explain to this bank that I put wrong information. Instead of my bank routing number I put my deposit slip routing and money was never transfer to my account.the money will never go thru, they need to refund the money to the pre payed card so I can put correct informations.I went to XXXX XXXXXXXX XXXX seat down with the manager she searched up the transaction and she did not found anything. She wrote a letter stating that money was never deposit to my personal account. I keep calling them about this matter and nobody is helping me. I send them proofs and they still denying it. If I would get those money ( XXXX ) I would not fight with this bank for past 11 months. Please help me to get my money back so I can transfer them to my appropriate account. Thank you
Product: Money transfer, virtual currency, or money service

I reported that an unauthorized user stole my late husbands phone and hacked it, his whole cashapp balance was transferred to another account and cashapp refuses to do a proper investigation and will not reverse the payment back to his cashapp.
Product: Debt collection

I keep receiving harrassing phone calls from a mortgage lender Homepoint about late payment on a mortgage they just bought of mine, no payments have ever been late, it is setup for autodraft from there own website portal. 


NMLS ID : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX C/O Licensing XXXX, IN XXXX Phone : XXXX Toll-Free Number : XXXX Fax : Not provided Website : XXXX Email : XXXX Other Trade Names More Info : Home Point Financial ; homepoint Prior Other Trade Names More Info : XXXX XXXX ; XXXX XXXX XXXX ; Maverick Funding Corp. ( legal name ) ; XXXX XXXX XXXX  ; XXXX XXXX  XXXX XXXX XXXX Names More Info : Maverick Funding Corp ; Maverick Funding Corp . 
Sponsored MLOs More Info : 150
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me..  XXXX XXXX XXXX, XXXX XXXX-XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX  .. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights
Product: Money transfer, virtual currency, or money service

I made a XXXX payment through Zelle. It turned out to be a scam because I didnt get anything in return.
Product: Credit reporting

This civil judgement was place on my credit report for {$3000.00} that does n't belongs to me. I have contacted Experian about this account letting the know that this account belongs to my ex- wife and that it is also paid in full. They say that they did an investigation and the result is that it belongs to me and not paid. I have contacted the courts and they say that the account is paid in full but Experian is still saying that this account is mine and its not paid. I try to dispute it again but they will not do another investigation. I need this account to be remove from my credit report because not only is it paid in full but its not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I sent in a dispute for an account that I believe is inaccurate. XXXX XXXX # XXXX. after pulling my 3 bureau side by side credit report I can clearly see inaccuracies 1. date of last activity is accurate 2. date reported is incorrect 3. opened is incorrect 4. account description is incorrect 5.payment status is incorrect 6. last payment is incorrect 7. INCORRECT ADDRESS according to the fcra information as to be 100 % accurate.. why are u reporting different information than EQUIFAX IF YOU'RE BOTH GETTING YOUR INFORMATION FROM THE SAME CREDITOR WHY IS IF DIFFERENT..IVE INCLUDED DOCUMENTS FROM THE ORIGINAL CREDITOR. CORRECT ADDRESS. CORRECT DATES
Product: Checking or savings account

Chase has attempted to overdraw an account twice that isn't supposed to be capable of being overdrawn. This has been the set standard since the account was created. The first time was XX/XX/XXXX now its happened again on the XXXX of XXXX. I wrote to their online chat and informed the other person on the account. The first overdraw was XXXX $ and the second was XXXX XXXX At the same they've changed my privacy policy, but then did not change my privacy policy. It also sort of looks like the Government may be involved per the message I was sent. So for the privacy policy they sent me a link that took me to a site that attempted to load for hours. Then after clicking it a few more times it takes me through the app to some of the privacy settings they just told me in their updated policies I no longer have the option to change.They also decided to randomly get rid of all my quickpay information. It's not just this company either I have issues with others as well, but I digress Chase is the main problem here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I paid VYSTAR XXXX  the entire balance alleged due of {$240.00} on the account they charged off a few months after they denied my dispute of purchases in regard. I never received services for one of the transactions relating to incorporating my business with the state of Florida. The other transaction, I agreed, belonged to me after careful research. The state denied my filing request to form an XXXX from XXXX because I filed incorrectly. I disputed with Vystar XXXX providing proof the state of Florida did not create my XXXX  as requested even though they debited my payment account. Regretfully, I could not reach anyone by phone in the business services division attributed to the COVID pandemic. Today I never received a response. As a result, Vystar closed my account and labeled it a chargeoff. Though I disagreed with Vystars ' decision to deny my request, I decided to pay them the alleged amount owed. After all, they were kind enough to offer me conditional credit as they investigated my claim. However, XXXX and the three major credit bureaus report this as a chargeoff though I paid the entire balance. I was unaware of how conditional credits and disputes worked with the banks. Now, I have a better understanding as a XXXX XXXX XXXX XXXX employee. The credit reports show the account as " chargeoff '' and " paid, '' which has negatively impacted my ability to obtain adequate housing for myself and my family. The reporting is a bit confusing. Vystar charged it off a few months later ; however, I paid them in full. 

Vystar Credit Union : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Account Number XXXX ( XXXX  # XXXX ), XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to seation 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts.
Product: Debt collection

Ive been in touch several times with I C Systems about this medical debt, asked them to send verification of debt as the original creditor no longer has the information on file because it was turned over to collections, I C Sytems response over and over has been they are waiting for verification from the original creditor, Ive received no verification with date of device, the billing creditor or services rendered only collections letters stating past due instead, this debt can not be verified not even by original creditor.
Product: Debt collection

Jefferson capital says that I have a collection with them that I opened I XXXX  with XXXX and this is false information and I want it removed off my credit
Product: Checking or savings account

Ive been with citibank since XX/XX/XXXX and renew the account because citi was not able to fix my issue from XX/XX/XXXX to XX/XX/XXXX for the files of their server being corrupted. In XX/XX/XXXX i kept getting these checking fees {$30.00} and other random fees just to have standard checking account. I was qualify for the citigold. And they state i qoute {$50000.00} was the minimum requirement to keep this checking account free of charge in one year span. If the minimum has not met before the year to date, they will cancel the gold and put me back to priority stage. My experience in citi gold is that why would you change the minimum {$100000.00} with out consulting with me when they know i dont even make that amount in a yearly salary during applacation process. The minimum was changed during the middle of the program without notice. Thats not even in their contract mentioned that the minimum may vary or anything about changing the minimum without notice. I thinks thats unfair for people whos trying to save money and have life and family.
Product: Credit reporting or other personal consumer reports

To : TransUnion Consumer Solutions XXXX XXXX XXXX  XXXX, PA XXXX Subject : Dispute of Inaccurate Reporting JPMCB Account # XXXX To Whom It May Concern, I am writing to dispute inaccuracies on my credit report related to the XXXX account # XXXX. This account is being reported as a charge-off despite the issuance of a Form XXXX, indicating that the debt has been cancelled. Continued reporting of this debt as charged off is inaccurate and misleading, in violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Information Creditor Name : XXXX Account Number : XXXX Issue : Continued reporting of a charged-off debt after the issuance of a Form XXXX for cancellation of debt. 

Violations 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy. Reporting a cancelled debt as charged off is inaccurate.

2. 15 U.S.C. 1681i ( a ) : The FCRA requires proper investigation and correction of disputed information. 

Requested Resolution 1. Remove the XXXX account from my credit report. 
2. If the account is not removed, update the account to reflect a {$0.00} balance and indicate that the debt has been cancelled.

Supporting Documentation 1. A copy of my Form 1099-C issued by XXXX, showing that the debt was cancelled. 
2. A copy of my credit report with the XXXX account highlighted. 
3. A copy of my government-issued ID and proof of address. 

Please investigate this dispute and provide me with written confirmation of your findings within 30 days as required by law. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy filed XX/XX/XXXX, converted to Chapter XXXX bankruptcy XX/XX/XXXX, repeated attempts to correct inaccuracies now show only Chapter XXXX reporting, statute of limitations expired XX/XX/XXXX, but shows will remain until XXXX XXXX XXXX XXXX, creditor for XXXX XXXX, continues to report open collection account that does not belong to me, 1st date of delinquency reports as month after last account held by me, closed in good standing XXXX reports open collection days after unauthorized hard inquiry of capital one account ' account previously removed from file reporting again as open collection, re-aged to appear as new debt Capital One charge off account reports as new delinquency each month, and a credit utilization of 123 % despite account being closed XXXX XXXX reports as open collection, balance amount has increased slowly since appearing on report, this is not my account but remains despite repeated attempts to verify this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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: Credit reporting or other personal consumer reports

I Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a victim of identity theft and there is currently a {$3600.00} charged off XXXX XXXX XXXX account ( XXXX ) being reported to my credit report that I did not create. In my most recent dispute, I requested the credit bureau to block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have repeatedly sent the credit bureau a copy of an identity theft police report I filed with my local XXXX XXXX Police Department 's office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. XXXX XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because the credit bureau is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure the credit bureau is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am once again attaching a copy of the identity theft report in this email which I know the credit bureau already has.
Product: Credit card or prepaid card

Ive had a capital one XXXX card for a couple of years with a credit limit of {$500.00}. Ive requested a credit line increase as I am a small minority owned business and using credit is a critical part of establishing business credit. I have been declined for a credit line increase despite my good payment history. Capital one is not giving me an opportunity to build my credit history when in fact that was the point for establishing credit with them according to their marketing and advertising of the Spark Business Card. I feel they were deceptive and selective about business they give more credit to. My XXXXy does $ XXXX per year in the XXXX business. The current {$500.00} credit limit doesnt even allow me to fuel one of my vehicles.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

I applied for a payday loan with XXXX XXXX  in XXXX XXXX, SC on XX/XX/XXXX, in the amount of {$630.00}. Semi-monthly {$87.00} is withdrawn from my account. I have not missed a payment. Today, 5 months later, I still owe this company {$550.00}. I have already paid this company {$870.00}. They're telling me that I accrue interest everyday & the amount I'm paying semi-monthly does not go towards my principal balance. By the end of pay off, I'll be paying them over {$2000.00}. This is ridiculous & i want out of this loan. This loan is putting me further in a financial hardship. I will contact my bank to request a stop payment from their automatic draft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a my XXXX report and noticed a unauthorized hard inquiry from Capital One on XX/XX/. Prior to applying for a credit card with Capital One, I called and spoke to a representative. I was informed that a soft inquiry would be ran. I explained that I wanted to verify before applying because I don't want any hard inquires ran. I was reassured that it would not be hard. I was shocked when I viewed my XXXX report to see that it was a hard inquiry