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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I have received zero letters or calls about this debt. I have no idea where this debt is coming from and I have not had a XXXX  account for 4 years. This debt showed up 2 months ago and the only way I knew about it was through my credit report. I am disputing because I have never owed that amount and if I had an outstanding payment it was not that much, my debt is being affected by false information.
Product: Payday loan, title loan, or personal loan

This is a written notice to XXXX XXXX XXXX who acts as the ceo of BB & T and XXXX XXXX XXXX who acts as cfo of BB & T that I the consumer who acts as the agent for XXXX XXXX am invoking my right to rescission 15 usc 1635. I rescind all signatures, endorsements, and consents of the use of my information. I demand all money be returned by check, I also demand the cancelation of any contract and security with you, and everything stated above mailed to the address of the principle XXXX XXXX in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX Account Number : XXXX 30 days late in Nov 2021, 60 days in XX/XX/XXXX, XXXX XXXX, 30 days in XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 XXXX XXXX XXXX is a federally protected consumer protected by the FCRA. Pursuant to 15 USC 1681a all consumer reporting agencies should report all accurate information across all three consumer reporting agencies, there shouldn't be any differences in the report. If an account is not reporting on a consumer reporting agency and not reporting on the other CRA you should block and remove them. I will attach my XXXX consumer report which will show the accounts that is reporting on Transunion and XXXX and they should be removed.I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by XXXX. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history.Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. 
Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete.
Product: Credit reporting or other personal consumer reports

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  There are different dates on when each account was open on mall XXXX credit bureau XXXX 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

upon me reviewing my credit reports i discvored these accounts on my credit reports XXXX XX/XX/2023 i filed an FTC report
Product: Payday loan, title loan, or personal loan

I have XXXX accounts which initially were with XXXX XXXX, but they unfortunately sold these to Servis One , Inc dba BSI Financial Services NMLS # XXXX : XXXX. Acct # XXXX is a XXXX XXXX loan that has been paid in full with proceeds from my XX/XX/XXXX refinance. BSI refuses to send my {$230.00} escrow balance refund as they want to withhold it for another 30 days before refunding it to me! Ive never had any lender do this when I owed my escrow balance after a payoff! 

XXXX. Acct # XXXX is an UNSECURED loan which they received a {$6700.00} payment via US Mail on XX/XX/XXXX, but refuse to apply it to my account. The balance was {$6600.00} as reflected on BSI XX/XX/XXXX statement, attached. BSI is clearly overpaid. They called today, XX/XX/XXXX, informing me my account is past due! After spending several hours on two calls today, I learned that they did not apply the {$6700.00} to my account because I didn't request a payoff amount!!! Ive never heard of this practice! Further, they want me to pay an additional {$170.00} for " release fees ''!! This is outrageous! They said they would return the check -- further delaying this payoff! The {$6700.00} check is currently sitting in their bank account collecting interest for themselves, Im sure. Very unethical not to apply the payment to my account since receipt of it on XX/XX/XXXX! This is an UNSECURED loan! There should be no recording and no XXXX involved, so absolutely no fees should be charged to pay off this loan! In fact, my lender never saw this unsecured loan on my credit report nor my title report -- they had no idea it existed! It was I who kept telling my new lender that I have TWO BSI accounts. When my new loan funded on XXXX XXXX, XXXX, my new lender immediately wired the payoff payment for Acct XXXX ( Title I loan ) which included NUMEROUS fees BSI charged to release that lienand as for this second UNSECURED loan, the {$6700.00} check was mailed since it is NOT a secured loan. 

BSI needs to be investigated for withholding payments, charging late fees, and all sorts of ridiculous unnecessary fees. I feel this institution is unfair, dishonest and unethical. I can't trust them. I have over a dozen creditors and many are paid via XXXX XXXX XXXX XXXX ( mailed checks ) and NONE of my creditors claim to receive my payment for almost a month since XX/XX/XXXX! Ive had to pay BSI late fees for several months on both of my accounts. Multiply that by the hundreds of thousands of customers BSI is doing this to and blaming the US Postal Service. Interesting how with the large {$6700.00} payment, they were able to receive it in just over a weekand not a monthas they have been claiming with my previous payments. BSI is now messing up my credit report and delaying my finances.
Product: Checking or savings account

It is a shame to having to come to CFPB for things that chase could have easily handle it in the branch or over the phone. This just shows how pathetic chase bank service is. 

Went to chase branch to reopen an account. Was told to open a whole new account. I agreed. 

Few moments later, the branch staff starts asking me to sign tax forms that said foreign tax something and I had no idea what the XXXX was that. I was told without signing that paper, the checking account can not be opened. I asked the staff to give me a copy of that paperwork so I could show it to my accountant first. Then the staff member didnt know which paperwork to give as there were two. She says, take both and that I ask my accountant which paper applies to me and sign that one. And of course se she had no clue what that paperwork was in the first place. Seriously! How pathetic! 

I called chase call centre to withdraw my checking account application but they said it can not be withdrawn until 30 days when it will automatically get withdrawn. What kind of harassment is this? My application and I can not withdraw it? Are you guys XXXX around with me? 

I went back to the branch but by then the staff members were too busy partying with each other to entertain me and I just kept waiting. 

I thought I went to chase to open a checking account and not to discuss my tax. You guys should close all your branches and open tax consultancy firms. 

Hey chase, I dont need an account in your stupid bank!
Product: Credit reporting or other personal consumer reports

XXXX XXXX is trying to double for this bill. There was already double charge for XXXX  when two pair where sent while I only ordered one. I sent one pair back to them. The company said they were looking for the XXXX  for months while I was waiting for my money back my phone was turned off 4 times with late fees. A lady said she would remove the cost of XXXX  and the fees and would call back but never did. In the meantime due to their customer service I changed providers. The bill was place in collections with the late fees and XXXX  attached. When I called, XXXX they said would send me a check for the aXXXX XXXX and all fees because they found XXXX. I have yet to receive a check but Im sure that was a lie also. I was waiting on a true final bill but they missed the ball here and reported false information. I can see why there is a class action lawsuit against them
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet erroneously reported 6 student loans totaling {$13000.00} as 90 days delinquent in XXXX of 2015 despite numerous attempts to submit documentation that I was eligible for deferment, or at a minimum forbearance.
Product: Credit card or prepaid card

I received a call from XXXX asking if I did apply for a credit card recently. I said NO. and she said that someone tried to apply a credit card with my identity. Then, she told me that's is identity theft and I need to report it to the federal trade commission. Also, she suggested to check my credit score. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Discrepancy on Credit Report Dear [ XXXX, XXXX & Experian ] I am reaching out to inform you of some discrepancies I have discovered on my credit report dated XX/XX/year>. After a detailed review, I found several accounts that are not associated with me. I kindly request your assistance in promptly removing these inaccurate entries from my credit history. 

The accounts in question are as follows : 1. XXXX 2. XXXX XXXX Thank you for your attention to this matter. 

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

There are incorrect addresses that do not belong to me or may belong to a family member : XXXX XXXX XXXX, XXXX, TN XXXX XXXX, XXXX OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XXXX XXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. Contact information ( XXXX ) XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. Also, There was an incorrect charge of {$3100.00} added to my XXXX XXXX account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry alert from XXXX regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from JPMCB. I contacted AMazon card services @ XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support Transunion claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... I was never late paying XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was processed before the due date, as shown in the attached bank statement. This error in reporting must be corrected. 
Clerical Error : There may have been a clerical error in how the payment was recorded. The payment confirmation from my records shows that the payment was made on time and should not have been reported as late.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. 

EOS CCA / XXXX XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. 
I've been asking for verification for 6 months. 

They replied twice. OnXX/XX/XXXX the letter stated " based on the information in our records this letter serves as verification. '' The second letter which came days later was a settlement offer {$560.00} from {$800.00} plus all three credit bureaus are come back verify without any documentations besides there company letter stating verified. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I am a victim of identity theft. According to US Code Title 15 - Commerce and Trade, Chapter 41- Consumer Credit Protection - Subchapter III - Credit Reporting Agencies . You are required to remove this information from my credit report within 4 days. If this information is not removed, I will escalate this to the Federal Trade Commission. See attached US CODE : Also under US Code : 15 U.S.C. 1681i ( 2021 ) : Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

This code was not met as well, please have each reseller provide proof of receipt or these items MUST be removed immediately. Original dispute did not meet FCRA and US CODE Title 15 U.S.C. 1681i rule for timeline. 

XXXX Complaint ID : XXXX XXXX Complaint ID : XXXX By LAW and the Fair Credit Reporting Act, these items must be removed from my credit file. I need this fraudulent information removed from my credit report within 4 business days. ADDITIONALLY, original complaint IDs were not responded to in accordance to US CODE and the FCRA timeframe. 


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

I asked the credit company to take a late payment off if my credit reports because of good faith. Ive never been later before and this one should have been an exception.
Product: Mortgage

I filed Chapter XXXX bankruptcy and I have recently come out of it as of XXXX/XXXX/2016. While I was in the Chapter XXXX my mortgage company was GMAC. Since I have been out of my bankruptcy I have yet to receive any documentation from GMAC in regards to how to make my payment or who I should make it to. Right after I was out of my bankruptcy I went to refinance my mortgage. This is when I found out that my mortgage is no longer with GMAC, but it is with Ocwen. I have contacted Ocwen to find out when my next mortgage payment is due, but they are telling me that I am in an active Chapter XXXX ( which ended XXXX/XXXX/2016 ) and my payment is due XXXX/XXXX/2016. They are also telling me that they will not have any additional information until the Chapter XXXX payments have been processed and they ca n't tell me when this will occur. Furthermore they are telling me once it is resolved and they find out I am 30 days or more late, they are going to report to the credit bureau. This is not making sense to me since they are telling me that my payment is due XXXX XXXX, 2016 and they do not have any other date on file and if I go 30 days late this will hurt the mortgage process I am currently in.