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

I submitted a dispute with Experian regarding my XXXX account balance not being correct. The account was paid in full with a zero balance and during the dispute investigation, XXXX was not honest and said the balance was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I once filed a complaint against this company one time before but now I have a better understanding of what happened my identity was stolen back in XXXX  when I first XXXX to XXXX XXXX XXXX XXXX South Carolina I put a freeze on my credit someone went to XXXX or either XXXX South Carolina and did a huge loan with world finance company I called the head office and ask them about the loan and ask them how could I get them to remove off my credit and that it was fraud I asked them how did a person apply for the loan the lady said they did it online because after she told me that that's when I let her know it was fraud then she said if you can get information from the law enforcement or proof of fraud then we can do something about it and then she got an attitude with me so I told her I was going to take it further
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found that XXXX XXXX XXXX XXXX  has been reporting inaccurate information to my credit report. By the FCRA 15 U.S.C sec 1681i ( a ) 5 I ask that this item be investigated and removed from my credit report.
Product: Debt collection

The debt is with Navy Federal Credit Union. I paid the settlement about to settle the account but on my credit report it still says I owe money
Product: Debt collection

DIVERSIFIED CONSULTANTS IN is reporting a collection on my account which has already been paid. Back in XXXX XXXX, DIVERSIFIED CONSULTANTS IN agreed to delete my account when it was paid. I believe it was called a pay for delete. I checked my credit the other day and found they are still reporting this account in collection. Per our oral agreement I would like DIVERSIFIED CONSULTANTS IN to remove this account from my credit file.Please assist in getting it removed my report.
Product: Credit reporting or other personal consumer reports

i am filing a complaint against transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. despite my submissions, transunion consistently responds quickly stating the account is accurate, without providing any evidence of a thorough investigation also They failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. They've accepted unreliable evidence and responses, also transunion has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as transunion inaction violates federal law and my rights as a consumer.this practice violates the fair credit reporting act ( fcra ) 15, usc 1681i, which mandates a reasonable investigation of disputes. furthermore XXXX actions may contravene the consumer financial protection act 12 U.S.C 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the cfpb 's recent administrative proceedings against XXXX and many of these reporting companies for similar violations. i request the cfpb take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation. ive attached the account information in the photos below for review.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXXXXXX 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 recently looked at my credit report a noticed an account that was reporting inaccurate i sent multiple emails and letters to the credit bureaus and creditor stating the inaccuracies. and from my knowledge everything on your credit report is suppose to report accurate. If a payment is late more than 30 day the reporting should be the month and late however many days for the correct reporting should say XXXX late 30, XXXX late 60 days, XXXX late 90 days. The account on my report say on time every month and then XXXX late 90 days. I also ask for proof of my payment history from the creditor and it says paid on all due dates.
Product: Student loan

XXXX XXXX took out many private loans at extreme interest rates.
Product: Debt collection

This complaint is in regards to Chase 's debt collection and credit reporting practices. I had a personal credit card with Chase, on which I had not made a payment due to a long-standing ( and well documented and sent along to Chase ) issue receiving mail at my address. I then received multiple phone calls from a debt collector misrepresenting herself as a representative from " Chase Business Banking '' on multiple voicemails, despite calling me about a personal card. I checked my business accounts and found them to be in good standing. I also attempted on numerous occasions to contact this agent through the phone number she left for me, but she did not answer any of my phone calls, or return any of my voicemails at the times that I indicated I would be available. It is possible that some of these phone calls were made to me before XXXX XXXX, but I can not validate this without the Chase phone records. These phone calls directly led to my being unaware of this debt, and in fact, as soon as I was made aware, the balance was paid off in full. This misrepresentation of facts directly led to interest, late fees, and most importantly, negative credit bureau reporting actions to be taken against me. This misrepresentation is an Unfair and Deceptive practice, which has clearly led to negative consequence for me. I have made numerous attempts to have Chase representatives look into this, both by phone and email over the past few months. On every occasion, Chase has steadfastly refused to answer any questions about these phone calls which directly led to my late status, and at least 2 Executive Office representatives admitted into not investigating despite my consistent prodding. 

Additionally, after making a payment in full through the Chase website, my account continued to negatively accrue late fees and interest. I flagged this issue to multiple Chase representatives who, ultimately, agreed that this was a process error and waived all of these charges on my account. Despite this, Chase AGAIN reported this account as late to the bureaus.
Product: Credit reporting or other personal consumer reports

I have reached out to the credit monitoring bureaus XXXX, TRANSUNION, and XXXX. 
In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you will conduct a reevaluation of these items by contacting the creditor responsible for their inclusion. I kindly ask that any information that the creditor is unable to substantiate be expunged. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this correspondence.

It has been 4 months since the first time I reached out to all of them and I haven't recieved a response besides a letter from XXXX and Transunion which seemed like a way to delay the process. I did again a response aknowleging the letter I recieved and wanted to proceed. I havent heard anything back from none of them. 
I have the proof from the postage of every letter ive sent. I've reached out to all of them 3 times in the last 4 months.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting

I SENT TRANSUNION A LETTER AND THEY DID NOT RESPOND TO IT ENCLOSE IS THE LETTER I SENT THEM WITH MY CERTIFIED MAIL RECEIPT. I WOULD LIKE SOMETHING DONE ABOUT THIS MATTER ALL OF THE OTHER CREDIT BUREAUS HAVE RESPOND BUT TRANSUNION.
Product: Student loan

I entered bankruptcy with about XXXX in debt. My payment plan included payments to my loan such that I should have seen the total owed reduced. Instead after 5 years of payments my loan INCREASED by about XXXX. This doesn't make sense to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent XXXX XXXX XXXX {$5400.00} XXXX XXXX {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing a recent copy of my [   XXXX    ]  credit report I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  XXXX   XXXX   XXXX
Product: Debt collection

On XX/XX/2019 my vehicle was stolen. I reported it stolen to the local police department and my insurance company. The lienholder was paid {$16000.00} on XX/XX/2019. The lienholder has put a negative response on my credit report, which is holding up my purchasing a home. I have documentation of the police report, insurance company and a letter from the lienholder that it was paid in full. Its not fair to me that they stated they would clear this up and they did not. I'm in a program to purchase a house and have been in this program for almost two years and now this is holding up everything. It is not my fault that they don't feel they were paid in a timely manner. I had full coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Transunion is showing that this is my account I tried disputing it with them and they came back saying that this account will stay on my report. This is not mine I have never had a XXXX XXXX XXXX credit card, I solely have a XXXX XXXX XXXX bank account. XXXX
Product: Debt collection

Carter Young had one of their representatives impersonating a detective to attempt to collect a debt that was mine, they used vulgar & explicit language. I was verbally molested by a XXXX  representative pretending to be a detective to call and harass me on XXXX XXXX
Product: Credit reporting

lease find attached the FTC documents and my dispute letter on an account that i fraudulent located on my records.please have this account removed from my credit reporting since i need your help .the mentioned account is not mine and i have never authorized this account to be issued.
Product: Debt collection

There was an account on my credit report in XX/XX/year> that I had removed with the credit bureau because it was not mine and then it showed back up on my credit report in the beginning of XX/XX/year> as a collections I submitted a previous complaint with CFPB and it was closed out with no resolution. I requested information from midland credit with a cease and desist letter and it was not provided. They sent Copies of statements from an original creditor to CFPB and The letter specifically states what I am requesting, if XXXX can not provide what I requested, this collection account needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Equifax didn't provide written notification about debt. Did not receive enough information to validate debt for the accounts listed below : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX
Product: Debt collection

i received a letter in the mail which stated that i had a debt to pay. Hhowever i do not recognize the creditor and i am sure i do not have any debt that would be lead me to collection. I visited the website that is found on the letter and i seems like scams, so i want to report this.
Product: Credit reporting, credit repair services, or other personal consumer reports

FEDLOAN SERVICING IS Reporting a balance of {$2000.00} on a closed account since XX/XX/2013 with a monthly payment of {$24.00}. XXXX will not update account that has been closed over 7 years.
Product: Credit card or prepaid card

I realize that in the months of XXXX, XXXX, and XXXX I was charged fees twice in one month. I do not know what they are for exactly because they only say " Fees '' and not Late Payment Fee nor " Interest - daily, accrued, or compounding Charges/Fees. '' It is not fair that I am not clear about what I am paying for. Therefore, it has been impossible to anticipate my monthly payment amounts to my BJ 's Perks Mastercard and I can never seem to get ahead of the high balance. Furthermore, my transaction history is not available before XX/XX/2022. I don't think that is right. I should have online access to my entire billing history. 

XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$72.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$38.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$70.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$70.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$68.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$38.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$65.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$67.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD
Product: Credit reporting, credit repair services, or other personal consumer reports

personal info is in correct addresses I never lived and names i never used
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid XXXX and XXXX as well as several others to help with identity theft and recieved no services. Irs cant get no transcripts nor mail to me and the paper I did get provides false info and I can not access my account I have reported to local authoritys as well as US Marshalls and XXXX do to a county retaliating against me for a wrongful conviction Im trying to get in court and I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently attempting to purchase a home. Toyota financial services is creating an issue on my credit report by reporting that I was 30 days past due for the month of XXXX. To be considered 30 days past due you need to be late 30 days past the payment due date. The payment is due on the XXXX of each month. They received payment for previous month on XX/XX/XXXX, an attempt of payment was done on XX/XX/XXXX which was returned and repaid on XX/XX/XXXX. Since the payment is due on the XXXX of each month this payment would not be considered 30 days past due until XX/XX/XXXX. Why because the payment was due XX/XX/XXXX. I have attempted to contact Toyota several times and I keep getting the run around. The last person I spoke to with the resolution team stated that the credit reporting team states that the payment is considered 30 days past due because it was 30 days past the last payment. That makes absolutely no sense. What if one month I decided to pay the lease early on the XXXX and then the next month I decided to pay it on the actual day its due which is the XXXX then they would report to the credit agency as me being late? Thats ridiculous Ive never heard of such a thing. They are falsely reporting incorrect information and this preventing my mortgage from going forward. Conveniently their credit reporting team has no phone number to speak to so Im left with no resolution. I want to correct this with all three credit reporting agencies immediately.
Product: Checking or savings account

To Whom it may concern, Bank of America has tied me to a fraud account after I paid an account that I owed off. Fraud checks from XXXX XXXX XXXX is what I am accused of into a bank of America account XX/XX/XXXX in amount of XXXX dollars give or take. Of which I am just now discovering after I paid my legitimate debt with Bank of America. I attempted to resolve this matter recently as I am just now finding out about it and I was told, I didn't do it in the 60 day period. My complaint with bank of America began last year in XX/XX/XXXX whom I began my complaint with account closure whom I spoke with team Manager XXXX, in which I explained I was already in debut to bank of America and on XXXX XXXX at the time, this account would have existed he filed a note. I called the Fraud Dept and spoke with XXXX XXXX whom filed claim number XXXX. 
XXXX told me it may take up to 60 business days, I followed up XX/XX/XXXX speaking with XXXX in which she had no update. Finally I called and spoke with XXXX XX/XX/XXXX in which she said the investigator concluded, I didn't complain about it within the 60 day period so it's too late. I attested I am just now discovering any of this and I have a letter from bank of America saying I don't owe them any debt or further debt when I cleared my account in XX/XX/XXXX. She submitted for the investigator and there supervisor to contact me within 3 business days. Neither made contact with me.
Product: Prepaid card

IN XX/XX/XXXX while cleaning up office I found this unopened envelope and when open it included 3 cash cards from my XXXX XXXX cash back credit card. These cards were never activated and expired in XX/XX/XXXX. In XXXX I started calling XXXX XXXX one contact to another. Called credit card Co. also, the same story " Kick the can ''. I have correspondence from XXXX XXXX stating expired or lost cards can be replaced if I have the numbers for a charge of {$7.00}. No one mentioned or requested anything. Looking up on internet I was shown where a law had been passed that value was held and if you could prove and have the card numbers they would be reissued. I feel this whole situation is unethical and feel they XXXX XXXX were hoping to deal with a someone and not me!

If needed I have correspondence from XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX if needed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform using Zelle numerous times and reporting discrepancies, my financial institution in Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allow repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

The company has not been able to validate that this is even a viable loan, yet it keeps getting passed around from one sister company to another. Whereby one bad actor / offender passes it to the next bad actor / offender, in the attempts to extort additional funds from me using ongoing threats of foreclosing. This is my asset, and the mortgage was paid in full in 2015 to XXXX XXXX XXXX XXXX! I am requesting copies of any and all " origination documents '' from the commencement of this so called loan be proving to me immediately, in order for any and all of these so called Bad actors / Banks/ Mortgage servicers/ Trusts, etc. to substantiate their claim to any further / future payments!
Product: Credit card

I had a credit balance on my credit card of {$330.00}, and I made a purchase of {$320.00}. Unknown to me at the time of the purchase, the credit card had just issued me a check for {$330.00} and I no longer had a credit balance. It was months later when I figured out I had an overdue balance on the account instead of a credit balance. When I knew this I called the credit card, and we figured out what happened. I made the payment that day of {$320.00} and the credit card was supposed to credit me the fees due to misunderstanding/communication. Now two months later they are still charging me late fees and interest on the fees. They also reported to the credit agency my lack of payment ... even though I did not know I did not have a credit balance. They have been very difficult to deal with. I would like the remainder of fees paid back to me and anything issued to credit agencies removed.
Product: Debt collection

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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