23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a credit card with comenity and I paid the balance off in full in XX/XX/2023 then I started receiving collections calls the calls were even going to my husband that had no relationship with this credit card in no way ... they proceed to harass him and gave him all the information about my credit card and that I owe a balance. I picked up his phone to answer this call one day and ask for them to put his number on the DO NOT CAll list because there's no way they should be sharing my info..I eventually spoke with a representative on the week of XX/XX/2023 who assured me that the balance was interest and late fee after the payoff.she assured me that her manager will bring the account to XXXX and close the account but instead she only refunded one late fee and sent my info to the credit buearer which impacted my credit negatively and as a XXXX XXXX this is not good for me professionally. I constantly tried calling the number on the back of the credit card which always cuts off and no representative is available.XXXX ( XXXX ) XXXX ... after built up frustration I called the number that called my husband 's phone and spoke with a gentleman on XX/XX/2023 which was so rude ..I asked for him to pull the phone conversation for the week of XX/XX/XXXX so that they could see that the representative assured me that the balance was brought to XXXX and that I would receive a confirmation in the mail ... he said he can't check the phone conversation but he'll ask his manager to check and in the meantime I have to pay the balance ... mine you I already paid over {$2000.00} to payoff the credit card ... I asked to speak with the manager then he hung up the phone ... while I'm here suffering because this was reported on my credit and dropped it drastically..please help because I have no money left to pay on this credit card and to my dismay the customer service number on the back of the card doesn't even work... I feel like I'm being scammed and swindle the credit card is called Comenity and the number on the back of the card is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This two accounts are reporting as late on my account and its incorrect pls fix it. I called both XXXX and XXXX XXXX and they told me they are incorrect an are not reporting it on there end. As a consumer, you have the legal right to dispute the validity of any collection, inquiry, or account on your credit report. Upon doing so, the debt collector or the company who performed an inquiry must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus are required to remove the negative items from your credit report Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX
Product: Credit reporting or other personal consumer reports

Trans Union has FAILED to conduct a reasonable investigation in XXXX  days. 

Trans Union is in clear violation of FCRA 611. 

I submitted my dispute via CFPB # XXXX on XX/XX/year> and Trans Union acknowledged receipt on XX/XX/year>. 
I received theresults on XX/XX/year> which is XXXX Days and this means all the accounts listed below should be DELETED immediately. 

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 

I would like to forego seeking legal representation and taking Trans Union to court but I will if I am forced to. 

Delete the accounts in accordance with the law that states you must delete if you fail to conduct a reasonable investigation in XXXX  days and notify a consumer within XXXX more days ( XXXX ). 

Unfortunately, Trans Union took XXXX  days which is a CLEAR VIOLATION of FCRA 611 ( a ) ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

AMENDMENT TO FILE # XXXX STATUS : Submitted to the CFPB on XX/XX/XXXX PRODUCT : Credit reporting, credit repair services, or other personal consumer reports ISSUE : Incorrect information on your report I am writing this complaint to further show how TransUnion and XXXX XXXX have been reporting incorrect and inaccurate information onto my TransUnion credit profile. On XXXX XXXX TransUnion reported that XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( see the underlined on page 1 of TransUnion report File # XXXX but continued to allow false reports and monthly charges. However, after XXXX XXXX realized that they were wrong and perhaps wanted to avoid legal action against them, they sent an official letter to me announcing that they were closing the account on or about XX/XX/XXXX. ( see letter attached ) No consumer should have to go through this. I am appealing to you, Consumer Financial Protection Bureau, to address this kind of ill reporting and inaccuracies because I am told that is why your agency exists. The only solution to this issue is delete this now!! 

Thank you for your time and I pray that you will do more than serve as a messenger.
Product: Credit reporting or other personal consumer reports

Despite three written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. The account shows open and never used/ cancelled by creditor but I never opened this account anyway.

In the results of the bureaus investigations they stated the following item was verified these items are being reported correctly? Who verified these accounts?

I have NOT been provided with ANY copies or original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 


XXXX XXXX  - XXXX I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of fraud.
Product: Checking or savings account

on XXXX, capital closed my accounts based on a report they recvied from XXXX XXXX 
I reached out to the bank many times and I shared supported documentations. for example they have on hold my XXXX  ( XXXX  ) amount. 

and due to the importance of these funds I tried to escalate to expedite the process with the bank, but I never received an update or phone calls regarding this matter. 

so Kindly, I need to escalate these issue so I can access my funds for the family/kids day to day expenses
Product: Debt collection

First National Collection Bureau , Inc. be calling me at all different times of the day & night threatening me. I'm at aware of this account. They still keeping call me and different time of the day and night harassing me. Now todayXX/XX/2023 they are emailing me too. It's so frustrate for an amount of {$970.00} that I don't know. I told them to stop calling me that my XXXX XXXX XXXX and I wasn't working. That I could pay that one because it's not mines and two I don't have any money. They told me well your credit isgoingto go bad if you don't pay back on this account.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL LATE PAYMENTS FROM MY PROFILE. THEY ARE IN VIOLATION OF THE FCRA : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A recent inquiry for comenitybank is on my report. I have no knowledge of ever applying for a line a credit from said creditor.
Product: Debt collection

On or about XX/XX/2019 I noticed that this company put a collection on my credit report. Not have being contacted by them or the original creditor I called to see who they were. I was told to pay and I specifically asked if they would then remove the issue from my credit in which they say they would they even sent a letter saying it was paid. no where does it say for a settlement or anything else well they are now refusing to remove the item.
Product: Credit reporting or other personal consumer reports

Incorrect information about me that is being reported on my credit report is why I'm writing. Even with corroborating evidence showing the information is false, the report is nevertheless accepted as true.

The Fair Credit Reporting Act ( FCRA ) compels credit reporting organizations to look into and fix errors ; this lack of repair is a violation of 15 U.S.C. 1681i. I am asking that the errors in my credit report be fixed or removed, and that you look into this situation again right now.
Product: Credit card

# XXXX XXXX I received above letter which states facts from Chase XXXX but does not match with statements amounts of credits and rebills Chase states XX/XX/XXXX credit {$60.00} ( where? ) just see {$130.00} on XX/XX/XXXX XX/XX/XXXX rebill {$60.00} ( where? ) XX/XX/XXXX I paid {$60.00} ( not mentioned by CHase XX/XX/XXXX {$60.00} credit courtesy Here is what I see in statements : XX/XX/XXXX statement : XX/XX/XXXX rebill {$49.00} XX/XX/XXXX statement {$130.00} charge XXXX XXXX XXXX {$130.00} I have to search statements as credit and rebills are all over the place in different statements running a years time I ask CHASE to clearly highlight all credits and rebills to arrive at a final credit 0f {$60.00} This will clearly show me proper math of zeroing out rebills and matching credits given without obsfugation
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and fraudulent accounts where open on my credit
Product: Debt collection

Precise financial is reporting to the credit agency that my first date of deliquency is XXXX FCRA states date of removal starts on first deliquency if they are not original creditor how could this be if this was placed for collsction in XXXX
Product: Debt collection

I have an account on my credit report from WAYPOINT RESOURCE GROUP # XXXX in the amount of {$150.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Product: Credit reporting or other personal consumer reports

here is the letter I submitted to pennymac and still nothing has been corrected and inaccurate information is being reported. I demand the 30, 60, 90 day late payments are deleted to inaccurate reporting.

To Whom It May Concern, I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to conduct a reasonable reinvestigation of any disputed information. However, your failure to comply with this obligation, as evidenced by recent legal action against your agency, constitutes a direct violation of federal law. 

The Consumer Financial Protection Bureau ( CFPB ) has sued both XXXX and XXXX for conducting sham investigations, failing to properly verify disputed information, and misleading consumers regarding their rights. This lawsuit confirms what many consumers, including myself, have experienced firsthandan outright refusal to conduct a lawful, good-faith reinvestigation as required under the FCRA. 

Violation of Federal Law Your failure to verify the accuracy of the disputed information violates the following FCRA provisions : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Mandates that a credit reporting agency conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item. The CFPB lawsuit establishes that XXXX and XXXX have routinely failed to comply with this obligation. 

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires that any information that can not be verified must be deleted from the consumer 's file. The burden is on you and the furnisher to prove the legitimacy of the reported data, not on the consumer to disprove it.

- 15 U.S.C. 1681e ( b ) Requires that credit reporting agencies maintain maximum possible accuracy in consumer reports. Your failure to conduct a reasonable investigation and reliance on automated systems instead of substantive verification is a clear breach of this requirement. 

- 15 U.S.C. 1681s-2 ( b ) Requires data furnishers to conduct a reasonable investigation once a dispute is received from a credit bureau . Your continued reporting of information without proper verification constitutes willful negligence.

Demand for Immediate Deletion Since your agency has failed to meet the legal standard of a reasonable investigation, and in light of the CFPBs action against XXXX and XXXX for fraudulent and deceptive dispute handling practices, I am demanding the immediate deletion of the following inaccurate, unverified, and disputed accounts from my consumer report. 

If you can not verify this information with competent, legally admissible evidence, you are required by law to delete it under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).
Product: Credit reporting or other personal consumer reports

I sent a dispute regarding incorrect personal information on XXXX2024. After 31 days I checked my credit report, and nothing had been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted information for application for credit loan to XXXX XXXX car salesman. Application for credit was sent to XXXX XXXX  an online bank that went to Sagestream Credit e located in XXXX XXXX CA. Sagestream stated my Credit score was XXXX that was incorrect my actual Credit Score is XXXX. I feel I was Discriminated against because I am XXXX XXXX. My application should by been approved not Denied. I want an investigation into XXXX XXXX XXXX.
Product: Debt collection

This bankruptcy on my credit report must be removed as for the fair credit reporting act and the creditors are not required to report anything to the credit reporting agencies! So why is there any bankruptcy reporting on my credit report that is reported to this credit reporting agencies. This is clearly an error on your part as a credit reporting agency reporting a Bankruptcy! Send me all your data about where you gathered this bankruptcy!
Product: Credit card or prepaid card

Early XX/XX/XXXX : Received an unsolicited invitation from United/Chase to apply for a credit card indicating that " With this invitation-only offer, you'll enjoy a {$0.00} introductory Annual Fee for the first year, then {$450.00}. '' Early XX/XX/XXXX : I applied for the card with the believe that there would be no first year annual fee. 

XX/XX/2020 : Received an email stating " Congratulations. We have approved your request for a Chase credit card. '' On or about XX/XX/2020 : Received first billing statement from Chase with a balance of {$450.00} for " Fees Charged '' Contacted Chase via phone, opened an online account and sent them a " secure message '' with a snapshot of the the introductory {$0.00} Annual Fee invite they had sent to me XX/XX/2020 Chase responded that they had received the inquiry and were forwarding it along to the " appropriate '' people XX/XX/2020 Eight days later, with no response from Chase, I reached out to Chase a 2nd time XX/XX/2020 Chase responded with ... .. 
" I regret, we are unable to match the no annual fee offer that you inquired about. The offer on your account will remain as XXXX bonus miles after you spend {$3000.00} on purchases in the first three months from account opening. We apologize for any inconvenience caused due to this. 

XX/XX/2020 I reached out to chase, once again, and requested they reevaluate their decision to decline the {$0.00} Introductory Annual Fee XX/XX/2020 Chase 's response : " We re-evaluated your account and see your account isn't eligible for the new offer you requested with the first year no annual fee. '' By the way - My husband received the exact same invitation from Chase, applied for and received his own credit card. His statement, as expected, DID NOT have the {$450.00} annual fee. Was this discrimination on Chase 's part???
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXXXXXX 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 am writing to dispute the following information that appears on my XXXX report from XX/XX/year> : Collection account from XXXXXXXX XXXX with account # and a balance of XXXX The original creditor is XXXXXXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
This item is inaccurate and negatively affects my credit. Also this item is being reported every month and is listed as open. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failure to provide validated documentation, is a VIOLATION of the Fair Credit Reporting Act, thus This item must be deleted. 
Please remove all non-account holding inquiries over XXXX days old. 
Please add a Promotional Suppression to my credit file. 
Please remove all accounts that are XXXX XXXX XXXX 
It is my understanding that under law you have XXXX  days from the receipt of this letter to verify this item. It should be understood that failure to do so within the XXXX  day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ) .Be advised that the description of the procedure used to determine accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of completion of your reinvestigation and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification
Product: Debt collection

To Whom It May Concern : I, XXXX XXXX cancelled my services with XXXX XXXX phone number XXXX in XXXX of 2019. That account is closed with a XXXX balance currently. 
I was contacted by IC systems a third party collector for XXXX XXXX in reference to an account opened in XXXX with a phone number ending XXXX. I am not aware of this account as I did not sign, authorize, or grant permission to anyone to open an account on my behalf. 

I am requesting IC systems to delete this error immediately from my credit reports. This account should not have been opened on my behalf without my signature and identification. The only contract I signed with XXXX was for phone number XXXX many years ago. That account is closed with a XXXX balance. 

IC systems or does not have any written authorization or current identification of myself authorizing a new account in XXXX of 2019 for phone number ending in XXXX. 
As this error violates my rights under the FCRA please delete it immediately from my credit report. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Mortgage

My complaint is about a Home Equity Line of Credit that I have had with Wells Fargo for about two years. On multiple occasions ( at least 10 ), I have made principal only payments in one form or another and Wells Fargo consistently pre-empts the regularly scheduled " auto pay '' feature I set up to pay the minimum amount due and applies my payment to that minimum and then applies any additional amount to the NEXT month 's payment. When I call to get it fixed, they always apologize and change things around for me but in effect I am losing the benefit of those principal payments because the new minimum amount due and interest charge has been applied to a larger principal amount than it would have been if things had gone the way I had originally intended. The customer service people are always very nice about it all and assure me that if I let the auto-pay come out first ( it is due on the XXXX or XXXX of each month ) and then make the principal payment before the closing date ( usually between the XXXX and the XXXX of each month ), it will go the way I want. You can see that it is a short window that I have to do this maneuvering. Last month I did just that, waited for the auto pay to go through on the XXXX, walked into a branch and made a " principal only '' payment on the XXXX. Then on the XXXX when my new statement came out, it looked as though they had applied my principal payment partially toward the next month 's regular payment! I called and they " fixed '' it, but again, the new principal balance had been calculated without the benefit of my full principal payment. Since this is a variable rate loan, and part of my loan is a fixed rate portion, it is next to impossible for me to calculate the additional interest that I have been charged over the past two years due to these " mistakes '', but I know that it is not in my interest to " pre-pay '' my next month 's regular bill instead of paying down principal.