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

Here 's a quick summary of what I can remember. 
My bank account paid XXXX twice on XXXX XXXX. I requested a refund of one payment asap. They said it would take almost the entire month to do this so I said that is no good, just leave it alone. I then had my own bank do a reversal and it occurred later in XXXX. I called back in to XXXX to tell them my bank already did an ACH reversal and so we should be ok now. The XXXX XXXX representative proceeds to tell me my account is current and nothing to worry about. They don't see anything late or missing. I asked if they had sent out a check and if so to please cancel it. I have not received a check from them. If I did, I would have sent them an extra payment to make it up. 

In the mean time, I have made my XXXX XXXX XXXX XXXX  I get an alert saying my credit scores have dropped. I check and it is drastic. I go from low XXXX XXXX XXXX XXXX XXXX XXXX on 2 of my reports. I tried talking to the supervisor on the phone several times with no luck. 
They have made up their minds on what they think happened and they are sticking with it while mines and my wife 's credit scores suffer. I don't think this is fair. We didn't get to a high credit profile with multiple loans by having bad financial practices and that's how we feel they are treating us.
Product: Debt collection

I continue to ask XXXX to validate this debt. I 've never received a copy of the credit application for XXXX. I 've never had an individual XXXX account, I have a current joint account with my wife with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a lot inquiries on my credit report that shouldnt be on there also from a apartment complex that I didnt live in, these are not my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason : I'm disputing the company XXXX  XXXX XXXX, Account XXXX XXXX. I disputed this account of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The reason I'm disputing this account because of inaccurate payment history reporting across all three bureaus ( Experian, XXXX, and XXXX ). I contacted each bureau showing them how each bureau was showing inaccurately and inconsistently. XXXX is showing 60 days late for XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX and 90 days late for the month of XX/XX/XXXX, But Experian is only showing 30 days late for those months. I also contacted Experian by Phone on Monday XX/XX/XXXX and was told they received the dispute on the XXXX of XX/XX/XXXX and the company had already responded with the information. That is a violation of the FTC Act as this account is reporting inconsistently and inaccurately. I also asked for proof of all of these late payments but I have failed to receive this proof from the company and the Bureaus.
Product: Debt collection

Hi, I've had a recurring hit on my credit report and multiple attempts by different debt collectors related to a falsely charged debt with XXXX XXXX XXXX. Seemingly the company kept my name on an account after I had repeatedly attempted to clarify the mistake and the next tenant did nothing to rectify the error. The following tenant was enjoying free services after I had written and called attempting to close these services with XXXX XXXX XXXX multiple times. 

The collection has been thrown out several times by different collectors and continues to make the rounds, this time with IC Systems. I've been working on this for close to a decade with no results and have filed multiple disputes with Transunion.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Immediate Attention Required : Rectifying FCRA Violations in My Credit Report Dear Equifax, I'm writing with urgency to address critical discrepancies present in my credit report that blatantly violate the guidelines set forth in the Fair Credit Reporting Act ( FCRA ). It has come to my attention that multiple errors persist in my credit profile, revealing a troubling oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute that governs the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and transparent dissemination of a consumer 's credit data. 

Instances of FCRA violations within my report encompass : Inaccurate financial data provided by creditors to reporting agencies. 

Agencies merging individuals ' information based on similarities in names or social security numbers. 

Neglecting the prescribed dispute-handling protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially concerning employment purposes. 

Receive notification if information in my file has been used against me in credit applications or other transactions. 

Dispute and demand the removal of incomplete, erroneous, or unverifiable data. 

Have outdated negative information removed ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items unequivocally breach FCRA standards due to inaccuracies, lack of verifiability, and ongoing invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 


I anticipate swift action to rectify these violations within the time frame mandated by the FCRA. Failure to comply will regrettably leave me no option but to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX
Product: Consumer Loan

my payment is due on the XXXX the late payment is XXXX, if I mail my payment in via check the company never receives it by the due date or the XXXX, then they charge me a late fee and I end up paying online so they charge the transaction fee. Any month I send the payment by mail they call on the XXXX saying they have n't received it forcing me to pay the late fee and transaction fee. 
Also now that I review the payments I do n't think the interest they charge me is legal it just seems like im paying triple.
Product: Checking or savings account

On XX/XX/year> I received unsalted mail from Netspend cleaning that I need to activate a debit card and add money to it when I did not apply for it. It already has all my name and gave me a routing and account number when I did not want this card and there are a lot of fees attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 90 days I have disputed multiple inaccurate inquiries on my Transunion credit report for credit items that I did not apply for.
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. 

XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX has violated my rights. 

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 an 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 reporting or other personal consumer reports

I am a victim of identity theft and I never opened an credit card account with American Express and there are XXXX credit cards in my name there is a XXXX  credit card and XXXX  credit card. The address on file doesn't match the address on my ID and i have a police report.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment on Closed Account I am writing to dispute the late payment reported on my credit report for the following account : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : FB & XXXX - Date of Alleged Late Payment XXXX, XXXX This account was closed and paid in full on XX/XX/year> I request that you remove the late payment from my credit report, as it is no longer accurate or relevant.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as outdated and inaccurate. The account has been paid and closed, and the late payment is no longer a reflection of my current creditworthiness.

I have attached documentation supporting my claim, including : - Proof of payment and account closure - Copy of credit report highlighting disputed information Please investigate and correct this error within the timeframe required by law. I request a revised credit report with the late payment removed. 

Thank you for your prompt attention to this matter. 

Sincerely : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a student loan account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021
Product: Mortgage

Midland Mortgage was sent a payment by wire transfer of XXXX on XX/XX/2022 for XX/XX/2022 payment to cover check that was returned due to having fraud on bank account. I contacted Midland to confirm receipt on XX/XX/2022 and was told it was received and applied. After the XXXX of XXXX I received notice payment was not received which prompted immediate contact to XXXX to find payment. Every department I was connected to couldnt give correct information, this continued from XX/XX/2022 to date XX/XX/2022 contacting their, customer service department, XXXX XXXX department, XXXX department, XXXX department, XXXX times weekly I made multiple attempts to rectify the issue with no resolve and being told XXXX receive a call the end of the week or to call back. I continued to make on time payments which are being posted as late payments leaving the account delinquent. I provided Midland Mortgage with copies of successful and received payments to Midland Mortgage from my bank. Ive wrote the Vice President of Midland Mortgage a complaint, I put in an additional request once uncovering that the payment was in error being split between unapplied funds and escrow notifying them they made an error and it needed to be reversed, I called back for XXXX weeks the request hadnt been processed, I called back the XXXX week only to be told the request was completed however that was false information and the account wasnt bought current, with no justification as to why and wanted to resubmit another request after asking numerous times to speak to a supervisor I was placed on hold for over an hour by XXXX, then spoke to XXXX ( XXXX ) who identified herself as a supervisor who stated I have no idea why this wasnt complete properly, I would need to do some research, and have someone contact you by Friday XX/XX/2022, I replied XXXX contacting the CFPB this has gone on long enough.
Product: Credit reporting or other personal consumer reports

Bank of America reported incorrect information on my credit report. It was due to their own internal system issues and even though they admitted to that, they have not fixed the situation or reported the correct information to the credit reporting agencies. 

I have always had AutoPay set up to a bank account on my credit card. Bank of America said they accidentally stopped that program on my card and removed any bank account connections to pay the credit card bill. They also refused to notify me of amounts due. When calling to pay off the balance and set up Auto Pay again, they admitted it was a system mistake on their end. I had to request to another support number to have it corrected and the late payment removed from my credit report, since it was the fault of Bank of America systems. They have refused to take this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

My complaint is Chase Amazon Visa did not address my issue in my first complaint to CFPB and Chase Amazon Visa is attempting to increase the charges to my account by adding additional interest and late fees to my account. ( See attached document. ) I have now given up hope for a charge-back because Chase Amazon Visa does not appear to care " XXXX XXXX '' XXXX XXXX XXXX tried to swindle me out of {$180000.00}. 

On XXXX XXXX, 2015, Chase Amazon Visa wrote me that they had notified XXXX credit bureau agencies ; XXXX, XXXX and XXXX XXXX that I disagreed with the resolution of the dispute. ( See attached document. ) As of XXXX XXXX, 2015, Chase Amazon Visa had not notified these XXXX agencies that I disagreed with the resolution of the dispute. 

Instead, on XXXX XXXX, 2015, I received a statement from Chase Amazon Visa which said my " new balance '' is XXXX and asked for a minimum payment of {$210.00}. ( See attached document. ) By sending me this new statement for my closed Chase Amazon Visa account ( for the original amount of the dispute ) and not alerting the XXXX Credit Reporting Agencies as Chase Amazon Visa said they would, it appears that Chase Amazon Visa is not going report me to these XXXX agencies as they said and end this horrible situation now. 

It would appear that Chase Amazon Visa is going to continue to send me statements which will incur late charges and interest indefinitely. Then Chase Amazon Visa will sell this new inflated amount to a collection agency. By doing this Chase Amazon Visa will only make this very bad situation much worse. 

Being the victim of the attempted swindle by " XXXX XXXX '' aka XXXX XXXX XXXX to take {$180000.00} from me has left me shaken and scared. 

I caught the scam before " XXXX XXXX '' XXXX XXXX XXXX XXXX could steal any money from me and alerted Chase Amazon Visa to the situation. 

Chase Amazon Visa has done nothing to stop what " XXXX XXXX '' XXXX XXXX XXXX XXXX is doing. 

On the contrary, Chase Amazon Visa is attempting to create an even worse situation by perpetuating this attempted fraud by " XXXX XXXX '' XXXX XXXX XXXX XXXX. 

I have accepted the fact that my excellent credit rating will be ruined by inadvertently becoming a victim to con artists. 

I realized what was going on in time and did not fall for the attempt by " XXXX XXXX '' aka XXXX XXXX XXXX to bilk me out of {$180000.00}. 

However Chase Amazon Visa continues to be a part of this swindle being conducted by '' XXXX XXXX '' XXXX XXXX XXXX XXXX by not ending this terrible situation and doing what they said they would do and report me to the XXXX credit agencies. 

Chase Amazon Visa continues to be a part of this attempted fraud by sending me statements asking for payment as if nothing ever happened.
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  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX has violated my rights. 

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

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

My identity was stolen and discover won't close my credit account or remove the charges from my credit / credit report
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 Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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. Experian and 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 Experian and XXXX are 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. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$820.00}.
Product: Mortgage

I am unable to reach PHH Mortgage ( https : //www.phhmortgage.com/13571 ). 
- online their autopay webform is broken - their phone system is not working so unable to reach a customer service representitve
Product: Credit reporting or other personal consumer reports

Complaint opened with CFPB on XX/XX/25 for Experian, XXXX, and XXXX to remove incorrect names / address off my credit report. XXXX and XXXX have honored this part of my XXXX part complaint. However Experian has still not removed any incorrect information from my credit report and its been 29 days today since my request. I also requested investigation and deletion of all inaccurate, outdated, or unverified information from my credit report. I requested the findings of the investigation of verification to debts and disputed debts as they came back verified and Ive never received any findings into the investigation process. Therefore Im requesting a Credit Investigation for Non Compliance : Under 15 U.S.C 1681i ( a ) ( 5 ) I demand immediate investigation and deletion of all inaccurate, outdated, and unverified accounts and inquiries from my credit report from all credit reporting agencies : Experian, Equifax, and Transunion.