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

On XX/XX/XXXX l requested a form 1099C from XXXX XXXX XXXX XXXXXXXX. Customer service rep stated the account has not been charged off, l replied it been charged/written off {$2800.00} and past due {$2900.00} as of XX/XX/XXXX with a verified dispute. 1099 C form eradicates the debt and l requested it today but XXXX XXXX couldnt provide me with it. This violates 15 USC 1601 The CongresXXXX finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. The dispute was updated and verified as of XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. DEPTEDXXXX  XXXX {$3800.00} XXXX XXXX {$3800.00} XXXX XXXX {$8500.00} XXXX XXXX {$350.00} XXXX  XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$100.00} XXXX  XXXX {$140.00} XXXX XXXX {$340.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$32000.00} CHAPTER XXXX BANKRUPTCY DISCHARGVED XXXX {$0.00}
Product: Student loan

On XX/XX/XXXX, I received a letter from Discover Student Loans ( dated XX/XX/XXXX ) stating : " We are compensating you because we could not confirm authorization for one or more payments withdrawn or attempted to be withdrawn from your bank account. We are refunding the amount of the withdrawn payments and are compensating you an additional amount for the time it took us to correct the issue, for a total amount of $ XXXX, XXXX. The credit for these payment ( s ) will remain on the loan ( s ). 

We are compensating you an additional {$25.00}. 

We have enclosed a $ XXXX XXXX  check for the above compensation. 

We are taking this action in accordance with the terms of the consent order the Consumer Financial Protection Bureau issues in XXXX against Discover Bank related to student loan servicing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : New Complaint and Evidence** This is not a duplicate complaint. 

I, XXXX XXXX, disputed and called the creditor to demand the closure of the following account well before this creditor was allowed to update my credit report on XX/XX/XXXX, including on XXXX, XXXX, XXXX and XXXX XXXX XXXX Fraud Protection Dept Case id XXXX # XXXX Case id XXXX  # XXXX. 

I have discovered new information indicating that this creditor pulled my credit at least XXXX times without my consent, significantly lowering my score. Additionally, there are discrepancies regarding the account status. This account was " closed by the consumer '' due to fraud, not by the grantor. An identity theft report has been filed naming this creditor. 

This account needs to be deleted, and my scores need to be raised to the XXXX. 

Account Details : - Creditor : XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on my credit report that should not be reporting. My credit report has a bankruptcy listed by the XXXX bankruptcy court. I reached out to the XXXX bankruptcy court to verify that they reported a bankruptcy and received a letter stating that they do not give any information to anyone including credit bureaus. The XXXX bankruptcy court is the only ones that can verify such account other than me. There the credit bureaus are in violation of the FCRA and is reporting misleading and inaccurate information. If this alleged bankruptcy is to be continued to be reported I need physical validation Sent to me in the mail.
Product: Payday loan, title loan, or personal loan

On Friday, XXXX I called XXXX XXXX for a payoff amount and was given the total of {$720.00}. At that time I authorized payment for {$720.00} to payoff and closeout the loan. 

On Monday, XX/XX/10 the loan payoff was deducted from my checking account as well as a " regular payment '' of {$230.00} which should not occurred due to my loan being paid off. 

I used the online chat and called minto money requesting the extra payment to be refunded and both channels refused a refund because the {$230.00} was my regular payment. 

XXXX XXXX should have cancelled my XX/XX/10 regular payment when I called on XXXX for a payoff amount and processed a payment.
Product: Credit card or prepaid card

My father passed away and I have to leave this country. I come back in three months. I called the credit card company XXXX XXXX  and I asked to remove late payment I even send the picture of the My my ticket and and my father picture when he was in the hospital. But no luck they said NO. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report : DP OF EDUC XXXX XXXX XXXX XXXX XXXXXXXX USDOEXXXX 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 am writing to urgently follow up on my previous complaints regarding inaccurate and unauthorized negative accounts on my credit report. Despite my repeated requests for their removal, these items remain unresolved. This situation is unacceptable and reflects poorly on your agency 's compliance with legal obligations under the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

I canceled my service with The XXXX XXXX XXXX   canceling their authorization to retrieve funds from my credit card account because I was led to believe that I had to keep their XXXX  services to obtain the credit card. Following the cancelation, I never paid any of the monthly charges because I added a block. I filed a dispute XXXX for {$2900.00} with American Express because The XXXX was non-responsive. It was credited back to my balance. On XX/XX/2019, American Express rebilled me the {$2900.00} and charged me XXXX the first monthly installment on XXXX after I made them aware and forwarded them a copy of the cancelation request I sent the merchant. 

At the time of this purchase, I made the sales lady aware that I was suffering from severe XXXX and my husband suffers residuals from a XXXX. I felt like we were taken advantage of and ignored when I expressed buyers remorse. At the time of the purchase I was being treated for severe XXXX and they completely disregarded my attempts to cancel prior to the letter I faxed. 

Now, American Express feels it's their duty to make me abide by the contract that I canceled with The XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to both XXXX, Equifax, and XXXX asking them to furnish -- within 15 days -- their information as to how they verified a Chapter XXXX Bankruptcy on my credit report. The letters were mailed out on XX/XX/XXXX. In addition to not receiving a response from any of the bureaus on the verification method, I also pointed out inaccuracies in how they all reported it in separate letters. There have not been any responses, changes, or deletions made as a result.
Product: Debt collection

The company has responded that it is still working on your issue. 
We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit card or prepaid card ISSUE No one has contacted me COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit card or prepaid card ISSUE I am still waiting a responded from the company but I still facing the same problem.
Product: Debt collection

This account is not mine. I want this removed from my credit report.
Product: Checking or savings account

I made a cash deposit of {$970.00} at the atm located XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. The atm jammed and did not deposit my money into my account. I filed an atm dispute claim and got denied. I took this all the way up and my claim was still denied. They stated that on the letter they sent me there was no error and there was because my money was never deposited into my account. I have a recipe of proof. And they still denied my claim. This is unethical and theft.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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, credit repair services, or other personal consumer reports

I started the loan in XX/XX/2021 Ive made payments then fell behind. Moneylion sent a right to cure letter I then paid what was past due to keep my account active. They have been reporting my account and late then when I disputed it with XXXX they changed the lates to charged off. When they charge off months was paid. I asked them numerous times is my account charged off they stated no in their chat on the app. Ive been fixing my credit to notice they still have it as charged off and Im still making payments to the account. The account states Im on track and nothing is past due and account active. I had to make multiple payments instead of one lump sum payments which my bank locked my card for fraud.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, I am disputing the following accounts that have been incorrectly reported on my credit file. These accounts do not belong to me and should be removed immediately under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am requesting a formal investigation and the removal of these accounts from my credit report. Kindly provide a written response once this matter has been resolved. 

Thank you for your assistance in resolving this issue.
Product: Mortgage

My mortgage company has increased my monthly payment from {$800.00} to {$960.00}, with out notice. Claiming this is due to a shortfall in our escrow, and an increase in our insurance premium. There has never been a shortfall in our escrow, and our insurance premium has not changed since before Nationstar acquired our mortgage. I have confirmed this with my insurance company. Also Nationstar overpaid our insurance premium, and will not acknowledge that the insurance is anything other than what they have stated, which is increased by 15 %. When contacted about the issue, I have received several answers to the reasons behind the increase, 1 ) our taxes were reassessed, and the tax rate has been increased, 2 ) there was a shortfall in our escrow account, 3 ) our insurance premium has increased. 1 ) My Tax rate has not gone up since the house was built, 2 ) there was never a shortfall in the escrow account before Nationstar became our mortgage servicer, 3 ) our insurance premium has not increased since we bought the house, it has decreased. I also never received anything from Nationstar letting me know that they had purchased my mortgage, I had to contact my previous provider to find out how to pay my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX  XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete a I can tell that a proper investigation has not been conducted by Equifax. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

This is a violation of 15 USC 1681s-2
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regardina Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX Email : XXXX XXXX
Product: Checking or savings account

I am currently visiting family in Florida. Received a check for {$10000.00} which I had to deposit in my account using an ATM of another bank. My bank does not have any branches in Florida. Deposited check on Saturday XX/XX/XXXX. I was later told by customer care representative that I would have access to {$100.00} right away and {$5000.00} on Tuesday XX/XX/XXXX and the rest of the money at the end of the week. I could not access the {$100.00} and the {$5000.00} is not available to me either. I was told they are reviewing the deposit and the {$5000.00} may be available tomorrow XX/XX/XXXX. They are supposed to call and let me know. Have not heard from anyone as of XXXX PM. The check is from XXXX XXXX XXXX XXXX XXXX. I feel that my money is being held hostage by this bank.
Product: Credit reporting or other personal consumer reports

CFPB Transunion Expedite Removal Compliant : As per the guidance from The Consumer Financial Protection Bureau ( CFPB )., and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- XXXX. ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit reporting within 4 business days, pursuant to section XXXX of The Fair Credit Reporting Act.I have given my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of the my documentation as well was victim determination letter according to XXXX ( b ) ( XXXX ). I am a XXXX XXXX XXXX XXXX of Debt bondage and would like for all of listed accounts to be deleted from Transunion ; Lending Point acct. # XXXX bal. {$31000.00}, XXXX XXXX # XXXX XXXX {$70000.00}, XXXX XXXX # XXXX bal. {$15000.00}, XXXX XXXX # XXXX, XXXXXXXX XXXX  acct. # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX acct. # XXXX bal. {$550.00}, XXXX XXXX acct. # XXXX bal. $ {$5000.00}, XXXX XXXX # XXXX bal. {$29000.00}, XXXX XXXX  acct. # XXXX bal. $ {$37000.00}, XXXX XXXX XXXX # XXXX bal. {$33000.00}, XXXX XXXX # XXXX bal. {$2200.00}, XXXX XXXX # XXXX bal. $ {$37000.00} XXXX XXXX XXXX XXXX # XXXX bal. $ {$1000.00}, XXXX XXXX # XXXX bal. $ {$14000.00}, XXXX XXXX # XXXX {$59000.00}, and XXXXXXXX XXXX XXXXXXXX XXXX # XXXX $ {$30000.00} XXXX
Product: Debt collection

A month ago we were vacationing in CA and purchased items at Macy 's in XXXX XXXX ; the sales clerk talked us into getting a credit card and said we 'd get a discount. We never got a bill and started getting calls a week ago that our bill was overdue ; we got another call yesterday and another one today. Each time I explained that we never got a bill and I do n't conduct that type business over the phone because of all the scams that circulate. Each time I asked them to send me a bill and they said they would. Today I reiterated that to the person on the phone, and he said then that the records showed that they had called yesterday, that they would send me a bill, but if I wanted to stop the phone calls I would have to pay him now. I said I would not pay unless I received a bill. The man I spoke to yesterday said the bill was being sent and that I did n't have to pay until I got the bill and would incur no interest charges. The man who called today said the phone calls would continue unless I paid him immediately even though I had n't received the bill. This appears to be harassment to collect a bill for which I have not received a bill statement, and I have not received the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX has XXXX, ACC #  XXXX Balance of {$300000.00} as Date Opened : XX/XX/XXXX, however Experian has the following info claiming to be accurate, Date Opened : XX/XX/XXXX, and XXXX is not reporting it at all. 

XXXX  has : XXXX XXXX Account # XXXX Balance of {$640.00}, as Date Opened : XX/XX/XXXX, Balance Owed {$8.00}, and Payment Amount {$8.00} ; however Experian has the following info claiming to be accurate : Date Opened XX/XX/XXXX, Balance Owed {$17.00}, and Payment Amount {$9.00}, and XXXX is not reporting it at all. 

XXXX  has : XXXX XXXX XXXX Account # XXXX Balance of {$100.00}, as Date Opened : XX/XX/XXXX ; however, Experian has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and XXXX  is not reporting it at all. 

XXXX  has : XXXX XXXX Account # XXXX Balance of {$190.00}, as Date Opened : XX/XX/XXXX ; however, Experian has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and XXXX  is not reporting it at all. 

XXXX  has : XXXX XXXX Account # XXXX Balance of {$20000.00}, as Date Opened : XX/XX/XXXX ; however, Experian has the following info claiming to be accurate : Balance of {$19000.00}, and XXXX is not reporting it at all. 

If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? 
This is not possible and because of this inconsistency, please delete the following accounts from my credit profile immediately. 

XXXX, ACC # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I also asked if they would update my personal information in their system, they have not done so. 

I asked for them to remove the fraud and security alert from my credit report and they have not completed that!