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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card

I was advertised on the flight, AA Barclays credits card and was told that if I apply the credit card on flight, I will get 50,000+25,000 miles which I can use in the year. But I was told to apply in the flight or I will not get the offer. 

Not only I found that there was no urgency as it was a standard offer that AA gives, they also did not give me any of the miles. Then I called XXXX XXXX who told me to call Barclays. It was a hard hit on my credit. 

I called Barclays and they said it was my fault. After long discussions, I told them it is a deceptive practice and to file the complaint, but they refused to do so. After pressing them, they only decided to file the complaint that it was air hostess fault - regardless that credit hit was done by Barclays and it was official venue of advertisement. 

This is a very predatory practice and complete violation of rules to stop such predatory behavior from lenders. But I feel that regulations are not being applied properly in Barclays case.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, through the XXXX Equifax data breach and the XXXX data breach. I have noticed some unauthorized accounts on my credit reports that I have not benefit from. The collections accounts were sold by the original creditor, with whom I had an obligation. I do not have any validation or contractual obligation with the collections companies, so I need these removed from my credit reports immediately, or I will pursue legal action. Also, the old negative accounts and all of the inquiries should be removed as well. These are all hurting my chances at buying a home by the end of the year
Product: Debt collection

I requested the information in writing below from CREDIT BUREAU ASSOC OF GA on XX/XX/year> : 1.Proof of Assignment 2.The original SIGNED contract or agreement between myself & CREDIT BUREAU OF GA 3.ALL Account Statements between myself and CREDIT BUREAU ASSOC OF GA 4.Account History : A full & and complete account history of this alleged debt between myself and CREDIT BUREAU ASSOC OF GA 5.Verification of the Amount Owed- A Breakdown of the total amount owed, including any fees, interest, and penalties. The calculation of the debt must be transparent and accurate : To date XX/XX/XXXX I have NOT received a response from CREDIT BUREAU ASSOC OF GA. I received a copy of my consumer credit report ( XX/XX/year> ) and CREDIT BUREAU ASSOC OF GA continues to report a medical debt on my consumer credit report and this is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA )
Product: Bank account or service

I have been banking with capital one 360 over a year now checking and savigs. Always had funds deposited by XXXX in my user names and never been a problem until XX/XX/2017 I received an email stating my account has been closed and was given a phone number to call. On XX/XX/2017, I spoke with Manager XXXX from customer service department and I advised him of the situation. Then he transferred me to security department. I spoke with XXXX and he advised that due to deposit names not matching they decided to close all my account and that the monies will not be released. They stated they not able to verify the usernames that was deposited into my account. Overtime I saved a total of XXXX in my capital one accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cap/Cabelas XXXX : I was not late making this payment. I paid online and when it came time to view the confirmation screen, the online portal kept kicking me out. I then called the company to ensure that my payment did in fact go through. The lates that you are reporting to the credit bureaus are inaccurate and need to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate bankruptcy information that is still being reported on my credit reports by TransUnion. 

The incorrect information is as follows : Bankruptcy Filing Date XXXX XXXX XXXX XXXX Bankruptcy Case Number : XXXX. 

I have documentation from XXXX confirming that the bankruptcy information has been removed from their records, and I have also received a letter from the bankruptcy court stating that they do not report bankruptcies to credit bureaus. 

Despite submitting this information to the credit bureaus, they have failed to remove the inaccurate bankruptcy from my credit reports. This inaccurate information is negatively impacting my credit score and causing ongoing financial harm. 

I request that the CFPB investigate this matter and help facilitate the removal of the inaccurate bankruptcy from TransUnion.
Product: Money transfer, virtual currency, or money service

Hi so originally in my bank I was $ XXXX, But yesterday on XX/XX/XXXX ( XXXX XXXX XXXX XXXX, I was $ XXXX because of a payment that I made, which was {$3.00}. So I had asked my mom to Zelle me {$3.00} so I wouldnt be over $ XXXX and so she did at XXXX same day. So then I was $ XXXX. Then I spent {$1.00}, so I was $ XXXX. So it stayed like that. Then OUT OF NOWHERE it said I was $ XXXX. I looked at my transactions and nothing new was showing, even today nothing new is showing that would have caused that.
Product: Mortgage

We are behind in by a payment ( for XXXX ) and I attempted to pay towards the payment but was told that I could not make a partial payment. The payment we are behind on is over {$3500.00} due to escrow and late charges. I called the company on XX/XX/XXXX to make a partial payment, which they would not accept and instead I had to make the full payment or keep getting charged late charges. I asked for the paperwork to either defer or pay off the missed payment over XXXX months to be sent to my email and did not receive the email. I was supposed to receive an email by the next day ( XX/XX/XXXX ). I would prefer to defer the payment until the end of the loan. We missed a payment because of my husbands medical issues and that I lost my job. I am back to being employed. We are incurring late fees while we wait to see what to do next. This would not be the first deferment that we've requested this year, but we are actively trying to pay the missed payment and they will not accept anything other than the full amount nor will they accept the next month payment without the missed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my {$5000.00} debt relief. They have 3 companies involved. At the same time I hired debt relief, I hired XXXX. I'M Finished months ago. 

Debt relief and now with Global Solutions, say I pay until 2025, insane, fraudulent. 
I've called them, they yelled and Argued with me. Companies are not supposed to do that! 

I have paid {$200.00} a month for almost 2 yrs. What are they doing with my money. I'm done
Product: Mortgage

Company called us to say they could lower our rate. We submitted all personal documents and the new rate and low was approved. Been trying to schedule a signing and now they want us to get a Power Of Attorney so I can sign for my husband since he is out of the state for work. We did all that. They are delaying our closing and will not return our calls or emails. This has been the most run arrow down for months. Our representative, XXXX XXXX ( phone numberXXXX ) is the worst. No follow through. Wont return calls, and no one has any motivation to actually work. Tons of back and forth XXXX. Pretty sure the company is going bankrupt.
Product: Credit card or prepaid card

Notified by US Bank Rep that my US Bank Business Credit Card  was late on payment despite no notification via my personal online banking profile or email. My bank statement said I owed {$0.00}. 

I made payment with the US Bank Rep over the phone for minimum payment. 

I was notified by the US Bank Rep that she would put in something so I can see what I owe on my personal banking profile. This would occur on Monday XX/XX/2023. I was also notified that US Bank will reach out to me on Wednesday XX/XX/2023 in order to establish my business profile where I can see the statement, make payments, and be up-to-date on the account. 

As of right now, I only have my personal online banking profile login and I need to establish the business online banking profile so I can see my balance, make payments, see the statement, and so on.
Product: Vehicle loan or lease

On XX/XX/year>, I was denied financing from Mercedes Benz Financial Services ; from here on out to be mentioned as MBFS ; after completing a XXXX XXXX month lease with NO missed payments. I received a callback from a representative named XXXX from MBFS stating my credit application was denied, after asking the reason why she stated, " I do not know because we don't deal with that. You will receive a letter in seven to ten days detailing the reason why. '' I found that to be odd as she was the live human representative calling me back telling me I was denied credit. 

I am a victim of Identity theft, which I made MBFS aware of this soon as it was brought to my attention once reviewing my credit report ( XXXX ). After chatting with several different representatives, at different times and dates, and while receiving different information every time, hesitantly I sent in my credit application along with a letter, again explaining my current situation with my credit status. I also made MBFS aware that I have taken the proper steps with filing the necessary reports in order for the credit agencies to do their investigation ( XXXX ). That investigation is still ongoing, however some fraudulent reporting items have been deleted from certain reports. 

Furthermore, I have mentioned to a representative ; whose name I can not remember right now ; who wasn't empathic nor very concerned of my situation, that my MBFS account was reporting as closed on my credit reports as well. She stated in a very condescending tone, " I've never heard that. No one has said that to me before ''. As if I was lying to her. ( See attachments, with date of the report ) I told her I wish I could send her the information to see it however she stated she was told for me to dispute it with the credit agencies. Again blowing me and my concerns off. Per, After speaking with a nicer gentleman named XXXX, he asked me about my monthly and/or annual expenses, which I told him roughly of the amount made from my employer, which was roughly $ XXXX ( see attached for latest bank statement ) and about $ XXXX from other sources of income. 

I worked hard to establish a great payment history and relationship with the company so the remaining balance should not be affected for fraudulent activities not made by myself. I have enough monthly income to complete this remaining balance and see no reason for the vehicle to go back on the lot and potentially sit there when I already have the vehicle and made EVERY payment without any issues. 

I am truly starting to believe I am being discriminated against as I have had some concerning issues with the leasing dealership ( Mercedes Benz XXXX XXXX XXXX ) and their financing XXXX XXXX in the past. I have years of emails if more information is needed to be seen from my prior concerns with that particular dealership.
Product: Debt collection

never been to doctor ever very healthy not sure why they send me bill there making fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violaton taking more than 30 to investigate a dispute
Product: Student loan

Navient handles my student loans. Looking over my student loans - I have a fixed payment loan over 30 years at a 6 % rate. The payment allocation varies wildly. On one instance, a payment made on XXXX/XXXX/2015, 100 % of the payment was allocated towards interest. My original amount of the loan was XXXX after consolidation. The terms were set for 30 year repayment with the monthly payment being XXXX. I do n't pay extra at any time, I 've saved a pdf copy of my loan repayment history and the allocation. I can not find the terms of my loan on the website. While mortgages and student loans are different, at a fixed interest rate, ultimately, the amount paid should be the same - so I looked at the amortization calculators and entered my loan information - it estimates monthly payment at about {$130.00}. I 'm really just completely confused and never thought to look until seeing the news about Navient. So, my question is, if I 'm paying about XXXX extra dollars a month - which would be approx {$10000.00} over the life of the loan - am I missing something or is this completely incorrect?
Product: Payday loan, title loan, or personal loan

On XX/XX/19, I uploaded my utility bill to show the correct address. I called today ( XX/XX/19 ) and the address was not corrected after Id been informed it would take 5-7 business days. They had never sent me my debit card to my address. I called and the representative would not assist and kept asking me if I was recording this call. Then I was placed on hold for 10 minutes and finally I hung up. I then tried calling again and they kept rerouting my call to an automated answering service not allowing me any contact with a live person.
Product: Credit card or prepaid card

I tried to charge some golf stuff and my card was declined. When I got home I called the company and they said it was stopped because of non payment. They told me I had to give her the information on file of my account so I did and everything was in order. She apologized and fixed the problem
Product: Checking or savings account

I noticed unauthorized charges on my account fromXXXX XXXX for a considerable amount I am sure my debit card was skimmed or duplicated or compromised. 

I filed a police report and also contacted chime and XXXX who is the merchant I have contacted chime and Im afraid I wont be able to get any recourse. 

The balance in my account was unnoticed due to multiple deposits, credits and adjustments & because I was hospitalized and unaware of the missing funds until currently I have a funeral to pay for and its imperative my funds be returned
Product: Credit reporting or other personal consumer reports

I am writing to report a serious violation of the Fair Credit Reporting Act ( FCRA ) related to the unauthorized re-insertion of an account on my credit report. This account, which I have repeatedly disputed, is the result of identity theft. Despite submitting an Identity Theft Report on XX/XX/year>, and disputing this account multiple times, it was reinserted without proper notification. 

This action violates the following FCRA provisions : FCRA Section 611 ( a ) ( 5 ) ( B ) : Credit reporting agencies must provide written notice within 5 business days of re-inserting a previously deleted item. This notice must include the name, address, and telephone number of the furnisher of the information. I did not receive any such notification regarding the re-insertion of this disputed account. 

FCRA Section 605B : This section mandates that, upon receipt of an Identity Theft Report, the consumer reporting agency must block the fraudulent information from appearing on the credit report. By re-inserting this account, the credit bureau has failed to comply with this requirement, further harming me as a victim of identity theft. 

The unauthorized re-insertion of this account has caused significant damage to my credit profile and has exacerbated the distress caused by the original identity theft. I am requesting an immediate investigation and that this account be permanently removed from my credit report. I also request assurance that proper protocols will be followed in the future to prevent further violations of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

1mmediate removal of the charge-off status and all related delinquency marks ( 30, 60, 90, 120, 150 days past due ) from my credit report, as this information is inaccurate and disputed. 

Verification and correction of the account balance, ensuring that it accurately reflects any legitimate payments made or amounts owed. 

Investigate the previous dispute and reinsertion of incorrect information, ensuring that no further reporting violations occur. 

Notify all credit bureaus ( XXXX, XXXX, and TransUnion ) of the corrected account status and provide written confirmation of the investigation and results.
Product: Checking or savings account

On XX/XX/2021 I was notified by XXXX that a checking account and a savings account were fraudulently opened with Huntington Bank using my personal information. 
On XX/XX/XXXX I called Huntington Bank with XXXX and advised them that I am a victim of identity theft and I did not open these accounts nor did I give anyone else permission to do so. I requested that the accounts be closed and was told they would need to conduct an investigation first. 
I submitted a formal dispute of the accounts through XXXX on XX/XX/2021 which included a copy of the police and FTC reports I filed, proof of identity, proof of social security number, and proof of residence. 
I and XXXX have attempted to follow up with Huntington Bank on this matter on multiple occasions over the last two months, and they refuse to provide any updates about the investigation. On my last follow up attempt on XX/XX/2021, I was told that no information could be provided unless I gave my social security number over the phone.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inaccurate inclusion of a XXXX on my credit report. I have obtained an official letter from the court that clearly states this XXXX should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately. 

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to rectify it.
Product: Credit card or prepaid card

My debit gift card card was fraudulently used and the entire balance was spent. I purchased the card on X/XX/2017 at the XXXX in XXXX XXXX Ca and loaded a balance of {$500.00}. My card was fraudulently used, charged {$500.00} and drained at the XXXX XXXX in XXXX, CA on X/XX/2017. I contacted Blackhawk network ( BHN ) immediately when I noticed the fraudulent charge. The gift card never left my possession. I submitted the transaction dispute form to BHN on XX/XX/XXXX. I have tried to contact BHN multiple times regarding the dispute and have received no information and have not received a refund of the fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022 but to now, a month has passed. I still haven't received any response from you yet. I was told by a legal expert from an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information furnished in the narrative section for payment status, ie. 90 day status and XXXX current status, constitutes unfair and unlawful practices by XXXX because it was generated on the basis of depriving a consumer right of notice that violates both TILARegulation Z ( 12 CFR 1026.2 ) and the MPN for the loan ( XXXX ( XXXX ) ( b ) ). Persistence of information by one or more consumer reporting agencies, when those agencies know, or should know, the information reported is unlawful ( incomplete or inaccuarte ), then implies those CRAs are reporting information that is false and/or misleading. Reporting of this information then violates 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : Twumasi-Ankrah v. Checkr , Inc. , 954 F.3d 938, 943 ( 6th Cir. 2020 ) ). At present Equifax is reporting either patently incorrect information and or misleading information for this acct/tradeline such that their reporting has caused adverse actions to occur when I have applied for housing within the past few months. In fact, XXXX, aka XXXX XXXX XXXX XXXX, a company specializing in risk management for housing rentals, used the information supplied by Equifax to inform a subscribing management company that I was too risky to lease an apartment in the respective apartment community -- I was denied the apartment and an exception, while permitted under management policy, could not be made because the credit score provided via XXXX XXXX XXXX XXXX XXXX which was at the very least based upon the information reported by Equifax, was too low. Therefore, the false/misleading information supplied by Equifax has caused me to be subjected to housing instability, and unfortunately, housing discrimination. The prior payment status narravtive and current status narratives, " was 90 days past-due '' and " 119 days past due '' need to be removed for this account/tradeline. If Equifax will not do so, then I will sue.