23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'v been disputing with the bureaus month after month. There are items on my credit file for which I do not have a confirmed contract and there is no verification process what so ever. I'm seeking relief of damages from bureaus as I am owed compensation at this point. Information on my credit file for which the law clearly states there needs to be contracts for via the Comprehensive Credit Act of XX/XX/XXXXsec 401, other parts of the FCRA, and other portions of the law will entitle me to damages for the defamation of character that has been caused. For TransUnion, There is a collection account that should not be there, as it's not even mine. There are 3 of the same exact inquiries on there for XXXX XXXX as well which ought not be. For XXXX  : There is 1 inquiry on there that I didn't even apply for ( XXXX XXXX XXXX ). No, this is illegal. Anything as well that's on my XXXX  file that also should not be there for which items are not verified also are to be removed. This includes collections, inquiries, and missed payments. XXXX  has been the most difficult to work with of all of the bureaus. I believe that their data breach is what really caused me the most issues with them. TransUnion is known for never verifying information as well. A closed collection account is not the same as having it removed which it should be removed. There should be no missed payments with them at all. Last I checked, XXXX  had collections on my file, inquiries and other late payments which are all wrong. I've already sent them verified/certified letters asking about this. 

Specifically For XXXX  I've written them the following,,, XXXX/XXXX  - {$5100.00} Never made any late payments, paid in full 34potentially negative months Account Info Account numberXXXX XXXX XXXX XXXX XXXX - {$15000.00} Never made any late payments 3latepayments - not true Account Info Account numberXXXX XXXX/Dept. of ED - {$22000.00} Paid In Full, and On Time Account numberXXXX Collection : XXXX XXXX XXXX, Never Did Business With, Not my Debt Account numberXXXX {$5000.00}
Product: Mortgage

I tried contacting mortgage company about mortgage payments assistance and it took weeks before I finally was given the correct number to call. I call a XXXX XXXX  representative and completed a counseling session. Finally I got in touch with AmeriSave Loss Mitigation Services and I requested forebearance as was suggested by XXXX XXXX. The representative with AmeriSave told me she would update my file for review and I needed to call back every Friday to check status. I ask if I needed to fill out any paperwork and she said no. I called the next Friday and was told it was denied and AmeriSave was starting process for loan modification for me. I asked why I didnt receive an application or any paperwork to fill out and she said I should have received an application with information on the process. She told me she would email me the application and information and I should also be receiving in the mail with 7 days. It has been two weeks and nothing. I am XXXXwo payments behind at this point. AmeriSave is doing nothing to provide me information or options. What am I supposed to do if the mortgage company will not give me any information?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the listing of a voluntary surrender related to account XXXX XXXX XXXX XXXX XXXXon my TransUnion credit report. I believe this information is inaccurate and/or unverifiable, which warrants its investigation and removal under the Fair Credit Reporting Act ( FCRA ). 
According to FCRA Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure that all information reported is accurate, complete, and verifiable. I request that TransUnion verify the accuracy of this voluntary surrender, including ensuring it is supported by appropriate documentation from the original creditor.

If the creditor can not provide verification that the account is being accurately reported as a voluntary surrender, FCRA Section 611 ( a ) mandates that this item be removed from my credit report within the required 30-day investigation period.

Additionally, FCRA Section 623 ( 15 U.S.C. 1681s-2 ) obligates data furnishers to report only complete and accurate information. If the original creditor has failed to properly maintain or verify records substantiating the voluntary surrender, I request that TransUnion delete this entry from my report promptly.

The listing of this account as a voluntary surrender has had a negative impact on my creditworthiness, and I am committed to ensuring that my credit report reflects only accurate and complete information. Please provide me with written confirmation upon the completion of your investigation, along with an updated copy of my credit report reflecting any corrections.

Thank you for your prompt attention to this matter. I look forward to your response within the FCRA-required 30-day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports and I would like to request that that inaccurate information reporting on my account be REMOVED IMMEDIATELY. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge off XXXX XXXX Account # : XXXX {$8900.00} XXXX XXXX  Account # : XXXX Balance : {$570.00}-
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active fraud alert on all credit bureaus, yet inquiries still keep popping up with no reaching out from the creditors or credit bureaus. These inquiries are unauthorized and have not been wiped even after sending in proper police reports. 

XXXX  XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX- XX/XX/2019 Equifax XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX  XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX- XX/XX/2019 XXXX  XXXX XX/XX/2019
Product: Money transfer, virtual currency, or money service

I have Citi Bank Checking account with check writing facility. The bank send me the check book, but they did not send me check activation form. I have contacted them 4-5 times ( phone & online banking chat ) but no solution. They keep frustrating and i can't do high amount transfer, especially when they have no branch in Texas. They also don't give me anyway to escalate it!
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Debt collection

I am getting notifications from Covergent about a collections account that does not belong to me. This is going to drop my credit score and ruin my chances of getting a mortgage. 

This isn't my account, how can they say I owe them if I never did anything with them?
Product: Checking or savings account

I received my income taxes check from XXXX IRS and deposited it into my chase bank account according to chase it cleared XXXX XXXX. On that same day I walked into the local branch and withdraw {$10000.00} cash for a large purchase from the bank teller approved by a bank manager. Later on that same day I attempted to transfer funds to my other bank account the transaction was denied which warranted me to contact chase. I spoke with a chase representative and they advised me that my account was frozen/closed I requested the reason for the closure, and they stated the funds was not verified and we needed to reach out to the IRS, XXXX did so and when I reached out I was advised by an IRS Rep that the funds were cleared and to try to reach out to you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called Equifax to have them take 1 account out of dispute. I called back the XXXX to see the status of my request and I was told that all disputes were pulled. I spoke to a manager and he told me that the employee made a mistake and that it would take 5-7 business days to fix the disputes and then an additional 5-7 business days to remove the dispute remark if it was still on their. This is keeping me from closing on my house and Im being told nothing can be done to expedite the fix and that its the system. I asked for a simple request and its all screwed up.
Product: Vehicle loan or lease

When I purchased the car in XX/XX/year> I was given a XXXX report at that time which showed no history of accidents with the prior owner. I am currently trying to sell my car and the XXXX report shows an accident occurring in XX/XX/year>, over 6 months prior to my purchase in XXXX of that year. Accordingly, prospective buyers have offered significantly less than the XXXX XXXX XXXX value specifically citing the accident as the reason why. I would never have purchased the car had I known about the accident history.
Product: Mortgage

I had a mortgage with Nationstar Mortgage and I applied for refinancing. Nationstar 's mortgaging arm is Greenlight loans. I applied on or around XXXX XXXX, 2015 There were a couple of mistakes made by Greenlight while handling the loan like putting the wrong dates on documents and numerous other mistakes which made me pay {$500.00} - {$1000.00} more in interest. I called them and ask to negotiate a refund because it was a conflict of interest when these mistakes they admitted to me cost me each day in interest. I also called and talk to someone about the escrow amounts left from the old loan which was never sent to me or added to the new loan. I was told I would be sent documents I ask for to follow the trail of where the escrow amounts went but that did n't happen. On my first statement after the new loan started I had a escrow balance of {$1000.00} before I made the first payment. On my next statement there was a adjustment - escrow Of - {$1000.00} with no explanation. I called and the person told me the money was left from closing but could not tell me why it was deducted or where it went.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX  XXXX XXXX & XXXX ) ( XXXX & XXXX ) ( XXXX XXXX XXXX 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 ), has violated my rights . 

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

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

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

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Checking or savings account

My account for XXXX XXXX is closed without any reason on XXXXXXXX XXXX XXXXXX/XX/year> without any reason.
Product: Credit card

I have a Credit Card account with HSBC, USA. Recently my card was replaced due to suspicious activity on the account. 

During the following statement period ( janurary, 2016 ), an 'Autopayment ' of the full balance of {$3400.00} was taken from my bank ( XXXX Account # XXXX ) without my authorization. This occurred on XXXX XXXX, 2016. I had previously set up the account to deduct the MINIMUM PAYMENT, not the full balance. 

I contacted HSBC about this. They noticed their error and issued a 'Return Payment '. However, though the return payment showed up on my statement - they did not return the funds to my bank account. I followed up again a week later. They claimed the funds had been returned, but they had not. I offered to show them my XXXX statement as proof the money had not been returned. 

On XXXX XXXX another 'Payment Adjustment ' was listed on my statement for {$3400.00}. Still no actual funds were returned to me. At this point my credit card balance was over {$6000.00} due to HSBC error. I followed up again and at HSBC 's request opened a dispute about the charge with XXXX Bank. XXXX issued me a provisional credit. Their investigation continues. 

On XXXX XXXX, another payment adjustment was issued by HSBC. This time for {$1500.00}. Again, no funds were returned. This caused my account to be overdrawn. At this point I began to worry about how it will affect my Credit Score. I informed HSBC of this, but they claimed the issue had been resolved and the funds had been returned, but they had not. Again I offered to show my XXXX statement as proof. 

On XXXX XXXX, another payment adjustment was listed on my statement. This resolved the {$1500.00} in question, but not the initial {$3400.00}. I am still waiting for them to resolve the initial complaint and return the {$3400.00} to me. An investigation into this issue has been ongoing since XXXX XXXX. It has not been resolved. It has caused me a lot of stress as the Phone Customer service representatives are unable to assist me and will not allow me to speak to anyone higher up the chain. 

It has been over 60 days since my first complaint was filed. 

The high balance that has been listed on the account worries me as it will affect my credit score and is through no fault of my own. HSBC are also charging me interest on this balance. The Balance is incorrect due to their error. 

I am having a lot of trouble resolving this issue.
Product: Checking or savings account

On XX/XX/XXXX, Chase Bank abruptly closed my XXXX XXXX XXXX XXXX account after accepting only XXXX payment transaction. They've withheld my funds and informed me that I would receive them within XXXX  days. Despite multiple attempts to retrieve the funds, Chase has denied my requests without providing any explanation or details. They have ignored my emails, letters, and even a communication from the customer involved in the transaction. This behavior is unacceptable, and I demand immediate resolution and reimbursement of the withheld funds. Furthermore, Chase 's actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) numerous times, exacerbating the severity of this situation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I would like to know how my payments are being applied and I can not receive an acceptable answer from calling customer service. I took a {$20.00} cash advance in 2014 ( that 's what the rep told me as I am no longer able to view the statement online to confirm ) and I would like to pay it off. Each month I continue to see a {$0.00} interest charged assessed and it never goes down ... why?? I typical pay more the minimum payment due but none of my payment is applied to the cash advance which has the higher interest rate..why??? When I asked how I can pay this portion off I was told that I have to pay my entire balance off!! This does not make any sense to me. My minimum payment is {$25.00} and I usually pay {$50.00} or more each. Why ca n't the overpayment be used to pay off the cash advance? Is this a way to make more money off me??? This may seem small to some people but this will make a big difference to me. Please help!
Product: Credit card or prepaid card

I currently am paying off a XXXX XXXX through Comenity Bank/Bread XXXX and recently they did something that does not allow me access to my online account for payments, retrieving online statements or even speaking with an actual human being over the phone. My concerns have just been met with were sorryxyz excuse.. via social media posts. I can not pay over the phone as the card has been destroyed since they stopped taking it in 2020 and all of my statements were online. According to the hundred of other people complaining on social media, even IF I got through they are charging a {$9.00} processing fee to take the payment. As of today my payment is now 5 days late and I have never had a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Completed a disputed through Experian back on XX/XX/XXXX for an account that was reported as a charge off from XXXX  XXXX XXXX, this credit card that was opened back in XXXX was a secure credit card and the balance was paid off completely in XX/XX/XXXX and reported closed and paid in full XX/XX/XXXX. Please have this account updated and current dates that shows charge off removed from my credit file immediately. I disputed this information and both XXXX & Experian refused to provide me any proof of the investigation that could verify why this is reporting on my credit file incorrectly after 43 months of no reporting until i disputed this item in XXXX of this year. I only found out about this misleading reporting by denial of a loan through XXXX and XXXX XXXX XXXX. I have spend a total of XXXX hours on the phone with XXXX and XXXX different customer service reps from Experian that refused to send my call up to a supervisor when they could not help. the XXXX would simply hang up on me. All calls to both companies are about XXXX minutes after long hold periods of more than XXXX minutes per call and XXXX to XXXX minutes constantly repeating yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase auto finance reported my account 30 days late on XX/XX/XXXX. 
A payoff check was sent to them on XX/XX/XXXX, and XXXX has a Proof of Delivery signed for by a Chase representative on XX/XX/XXXX. 
The check was misplaced by Chase and never applied to the account resulting in the derogatory marking on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my credit report are disputed : XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX A XXXX Collection Account XXXX. XXXX XXXX XXXX  XXXX XXXX A XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX  XXXX XXXX XXXX XXXX Account XXXX. NXXXX XXXX XXXX  XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX  XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX payment Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXXXXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX HXXXX XXXX  XXXX Collection Account I believe these accounts are inaccurate because [ provide a brief explanation of why you believe the account is inaccurate ]. I am requesting that these accounts be investigated and corrected or removed from my credit report. 

Under the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 30 days. If the information is found to be inaccurate or unverifiable, I request that it be removed from my credit report. 

Thank you for your time and attention to this matter. 

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

I checked my credit and seen that an account is on my credit so I did a dispute to all three credit agencies and two of them remove the item off after they did an investigation except experian