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

XXXX XXXX # XXXX Inaccurate reporting showing different dates of last activity, also showing different dates of opening and last dates report on all XXXX major credit reporting agencies. 
account showing a past due amount of {$490.00}. 
why is this account being reported inaccurately. 
this is a violation of the FCRA section 15 use 1681 2 ( a ) ( 1 ) ( F ) and is also in violation of requisite METRO2 Compliance implemented with the XXXX  enacted CDIA Metro 2 compliance regulations, I have a right to a fair and accurate credit report and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account was charged off on the following date XX/XX/XXXX. Since then, the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ), on XXXX ( XX/XX/XXXX ) and TransUnion ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. These accounts are not reporting 100 % accurate so it is deemed INACCURATE. Please delete this account immediately. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete
Product: Checking or savings account

I deposited a check of the amount {$510.00} that was made to my brother who did not have an account he signed it and I signed it. The check was placed on hold for about XXXX days. During the hold my account was restricted some for some reason. Chase bank informed me they needed to verify the third party they need a phone number which was provided. Per chase bank that phone number could not be verified therefore they closed my account and my joint account that under my retired mothers name. That account closure caused my and mothers payment a be returned and pay extra fees. I called every day to chase bank asking if phone can be verified and every time they inform number stills show unverified
Product: Debt collection

Subject : Unfair Debt Collection Practices and Improper Credit Reporting I am filing this complaint against Kingston Data and Credit International regarding a {$500.00} debt that they claim I owe on behalf of XXXX XXXX XXXX XXXX, NC ). I received my first notice of this debt recently via mail from the collection agency. However, I was never notified by XXXX XXXX about this balance prior to the debt being sent to collections. 
XXXX. Lack of Notification : XXXX XXXX did not attempt to contact me through email, phone, or mail regarding any unpaid balance or payment issues. 
I was denied the opportunity to resolve the issue or update my payment method before it escalated to collections. 
XXXX. Improper Credit Reporting ( Potential FCRA Violation ) : Kingston Data and XXXX XXXX reported this debt to my XXXX credit report without giving me the legally required 30-day window to validate or dispute the debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I have not yet received validation of this debt as required under the FDCPA. 


Thank you for your attention to this matter. 


XXXX XXXX XXXX XXXX : XXXX Company Involved : XXXX XXXX XXXX XXXXXXXX, NC ) / Kingston Data and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no idea why these are reporting on my credit file please remove inaccurate information or face fines Transunion is already liable to pay over XXXX XXXX XXXX  because of fraud and inaccurate information.
Product: Student loan

I started XXXX XXXX in XXXX Illinois in 2007 I only did XXXX because my children grandparents got very sick so I never return next thing I no I was getting billed every month which I havent attended when I started filling out paperwork I thought it was for financial aid from the government all along it was from a third party loan which I expressed to them I have a job I can pay my way the young lady told me the paperwork I was filling out was not a loan and then all of a sudden Im getting bills I never received a school check from them I never received anything and I feel that was wrong and not fair because this been on my report for 14yrs now I cant establish any credit for my XXXX at all because of this
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 


Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was charged around {$0.00} for a transaction I did not make. I believe it was for XXXX. I called the number on the back of my XXXX XXXX, which is issued by Wells Fargo, and they were able to validate it was indeed a fraudulent transaction.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XX/XX/XXXX
Product: Debt collection

This is a bill for XXXX  services that were performed on my spouse approximately 4-5 years ago. At that point I was in a XXXX program and we were both insured. She went to a doctor for routine preventive visit and routine XXXX  were ordered. Subsequently XXXX sent us a bill for the XXXX   for {$1200.00}. They had our insurance information and failed to bill the insurance after repeated request. I dont even have the bill anymore. When i tried to call XXXX they are asking for a bill invoice number which I dont have anymore. They sent the bill to collections and now the collection agency RMCB is repeatedly sending out a collection notice for the past 2 years. I know for a fact that my insurance would have paid that bill. I am also now unable to search for the specific insurance details for that year. I have no idea what to do or who to call and dispute this.
Product: Mortgage

In XXXX, we took out a HELOC interest only loan. In XXXX, we modified our mortgage through a government mortgage program which we were told included our HELOC and both loans were combined. We worked hard and paid off the mortgage and we have the deed clear and free. In XXXX ( 11 years later ) we received paperwork stating we were being sued from a company called XXXX XXXX XXXX XXXX XXXX stating we owed the HELOC plus XXXX  years of interest. We retained an attorney and the attorney stated that companies are holding onto loans for up 30 years later, finding loopholes, stating the date doesnt begin until the party is contacted. The XXXX XXXX XXXX, XXXX XXXX, initially ruled in our favor, and then changed his mind. Currently, we are appealing the decision, but I am hopeful your department can provide guidance on XXXX and time-barred mortgages. 

We are now seniors with limited income, and I read the Ohio law and I dont understand how companies can sue individuals on a time-barred loans in the state of Ohio. We need clarity and assistance from your department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified factual dispute letter to Equifax that was received by them on XX/XX/XXXX at XXXX. I called on XX/XX/XXXX to check on the status and the representative, XXXX XXXX ID number XXXX, told me they had no dispute open. I have receipt of them receiving my letter. This is not the first time that I have not received a response. I have sent seve4ral letters of dispute and method of validation with no response from the company. There are several inconsistent items on my credit report that are hindering me from moving forward in the homebuying process. I spent money sending the letter certified and I have absolutely no faith that they did not receive my letter. I am including a copy of the letter sent with visual proof of incorrect items, as well as delivery receipt
Product: Checking or savings account

I called Chime Bank to report multiple unauthorized transactions made with my debit card ending in XXXX. 

I told the bank that someone hacked one of my emails and linked my debit card to make purchases on an App called XXXX and another transaction called XXXX XXXX. 
I told them I did not authorize these transactions, I don't use that app at all and I have no idea why they charged me those amounts. 

I asked them politely to recover my money by filing a dispute for unauthorized transactions because this is fraud and we're dealing with fraudulent transactions. 

They filed a dispute and submitted the case to the internal department, within 1 hour or so I got an automatic email from Chime saying : Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

I contacted the bank again multiple times after getting rejected over and over again and receiving an automatic email sent by XXXX with the same final decision, I found out my case was not being reviewed by a real agent other than a machine which is one I was getting automatic emails with a final decision denying my disputes over and over. 

I spoke to several agents and supervisors, but no one has been able to solve this matter. They keep sending the same emails and no evidence, no explanation, nothing at all. They just want to deny my disputes and not refund my money from the merchant. They were also rude and very disrespectful over the phone. 

I'm here to ask for help, and I believe you guys are the only ones that can help me. I'm going to provide all the screenshots and images I have of the unauthorized transactions and emails. 

Here are the fraudulent transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are incorrectly reporting late payments for each loan account listed on my report for the months of XXXX- XX/XX/XXXX. On XX/XX/XXXX the Federal Trade Commission issued an advisory opinion in which it renders a decision on the interpretation of Section 623 of the FCRA ; it states, A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. See attachment For further reference the FCRA section 623 ( a ) ( 2 ) states : ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies  about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation XXXX or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation : Unexplained Credit Score Drops Every XXXX Dear Consumer Financial Protection Bureau, I am requesting your assistance in investigating a recurring issue with my credit score. For the past two years, my credit score has dropped by XXXX points every XXXX, despite there being no changes to my financial habits or account activity. 
I consistently maintain a good credit rating, and the following credit factors are stable : * Payment History : A ( No late payments ) * Credit Usage : A ( Below 30 % utilization ) * Account Mix : B * Credit Age : B * Inquiries : A ( No recent hard inquiries ) This unexplained drop happens annually in XXXX and recovers slowly over the year. However, the repeated drop is concerning, as it affects my financial health and eligibility for better credit terms. 
I have reviewed my credit reports from all three bureaus ( XXXX, XXXX, and TransUnion ) and found no significant issues, such as late payments, new accounts, or account closures, that would justify this drop. I have also contacted my credit card companies, and they confirmed that my accounts are in good standing. 
This situation is puzzling, and I am concerned there might be an error in how my score is being calculated or reported. I kindly request an investigation into : XXXX. Why did my score consistently drop in XXXX without any clear reason? 
XXXX. Whether there are systemic errors or reporting issues causing these drops. 
Thank you
Product: Credit card

In XX/XX/XXXX I opened a chase sapphire preferred card with Chase and as a result of my membership received a XXXX XXXX  membership card valid until XX/XX/XXXX. In XX/XX/XXXX I attempted to log in to the XXXX XXXX app and was informed I had no account. Additionally I tried to use my XXXX XXXX membership card at a XXXX XXXX lounge with the expiration date of XX/XX/XXXX and was informed the card was not valid. Upon review of Chase sapphire preferred current terms I saw they ended their agreement with XXXX XXXX and as such immediately terminated my XXXX XXXX membership. I did not receive anything in email or physical mail indicating my membership would expire sooner than the anticipated expiration date. As a result I feel misled and felt I paid an unfair annual membership fee for my credit card as the benefits were not honored for the full 12 month term.
Product: Mortgage

My wife and I sent Wells Fargo a check for {$150.00} to get a Brokers price opinion done on our house to possibly remove the mortgage insurance. Sent them a check approximately on XX/XX/XXXX. ( check was cashed by Wells Fargo ) I was contacted by a broker ( XXXX XXXX ) on Friday XX/XX/XXXX at XXXX to set up a time for him to come take a look at our house and complete the BPO. I asked if Monday the XXXX at XXXX would work. He stated that he needed it done sooner. So, I asked him what he was thinking .... he stated Sunday the XXXX I said ok what time, he stated in the afternoon. So, I said how about XXXX? He said sure that works. I then asked him how long it would take to be completed and what he would have to do. He stated it would take less than an hour and that he needs to take 2 pictures of each room. I asked how clean does everything need to be as we have XXXX young kids and both work so our house is not always clean. He stated " that it needs to be clean like as if we were selling it ''. I said I was not sure if I could get it ready that quick as my wife worked the weekend. XXXX stated it needs to be clean so whatever it takes to get it done. He said if my wife needs to take off work then that's what needs to happen. So, my wife took off work on Saturday the XXXX and Sunday the XXXX 10 hours each day to help clean our house. I had a {$400.00} deposit on a fish house to go fishing on XXXX XXXX XXXX XXXX that I paid last year to reserve the date and time that I had to cancel to accommodate the BPO also. So, on Sunday at XXXX we were finishing up cleaning and I noticed that at XXXX XXXX I missed a call from XXXX XXXX . So, I called him back and said I saw I missed a call from you, what's up? He stated that there was a " hold '' placed on the BPO and that he would not be coming that day. Now we are out 2 days of vacation for my wife ( 10 hours each day at {$36.00}. and change an hour ) and my {$400.00} fishing trip deposit. XXXX have made contact with me regarding coming out to do the BPO however I have worked all week and so has my wife and we will not take off work again for the BPO to be done. We feel we have incurred significant losses that we did not ask for, and would like to be reimbursed for.
Product: Mortgage

My XXXX payment was late because they sent my statement late. Because of this, they assessed a late fee of {$29.00}. When my payment was received, they deducted the late fee from my payment without notifying me that there was a late fee or obtaining my approval to divert the funds from their intended purpose. When I called, the representative, who was taking calls at home judging by the background noise, informed me that this is standard practice for them. I requested documentation that I had approved this practice. She informed me that there was no documentation but she could send me a form that I could fill out directing that this not occur again. What I received was a dead web link.
Product: Vehicle loan or lease

I called since day one of buying the vehicle that the car has no license plates and the dealer said that Its ok to drive like this then I was suppose to receive the plates in the mail then the dealer did not give me any title to this car nor have I yet to get the car title or anything to register this vehicle now the vehicle has been repo and I went and got it back from the repo company and still did not get the paperwork to this car and also I have yet to be able to drive the car because since getting the vehicle back from the Reo Yard the vehicle is broke and want drive so now they want me to continue to pay for the vehicle which I am not able to drive since 2017 and now they are calling me 5-10 times a day and they are not doing anything but taking my money and thats all
Product: Checking or savings account

Citizens bank ; They had a promo going in XX/XX/2020 that if you opened a checking account and made a direct deposit of XXXX dollars or more in the first 60 days that you would get XXXX dollars. This was a Citizens bank promotion. I completed what they required to get the bonus and they told me it would be paid on XX/XX/2020. When I didnt receive it then I called them every single day since. I got a hold of a manager that escalated the issue and waited for a callback for a week! When I finally got a call back from natilie she informed me the money would be in my account by Friday XX/XX/2020. I still havent received the bonus. I called them again on XX/XX/XXXX and they put me on hold and then hung up on me. I then called back the same day and they hung up on me again. 

I still have not received the bonus Ive depended on it twice now and its caused my account to bounce a few times..
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

Accounts XXXX XXXX XXXX XXXX ( Account number XXXX ) XXXX Late Payment XX/XX/2023 2023
Product: Credit reporting, credit repair services, 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 XXXX, Account name : XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX XXXX Account name : 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: Mortgage

In XXXX of XXXX I made an Escrow Deposit of {$360.00}. Mr. Cooper ignored the payment during the excrow anyalsis and increased my monthly mortgage payment. They said the escrow deposit had been refunded back to me. In XXXX when I spoke with them I had never recieved any refunded payment. Mr. Cooper adjusted the escrow account for the " lost '' refund. However they never recalculated my payment back to what it should have been with the additional escrow funds. I made the same payment for 12 months and never was without funds for the taxes and insurance in the excrow account. During this time Mr. Cooper accrued what they say is missing money for the higher payment even though that payment amount was in error. So for 12 months they accrued money for the escrow account that they already had in the account. When I made the XX/XX/XXXX payment they sent a letter they applied the payment to the suspense accunt and would charge me late fees. Now they are calling me everyday at work and sending daily letters to my mail box. Certainly Harassment. This company needs to be audited like their predecessor. I have a fixed loan and have never missed a payment in 23 years!!! It is rediculous that they treat their consumers this way. Please help!!!
Product: Debt collection

Cease all communication with me. 
Account involved in litigation!! " I have not supplied proof under the doctrine of estoppel by silence, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists ''
Product: Student loan

AES is not being transparent in servicing my loans. There are XXXX loans serviced with my account, but they continue to apply my payments to only XXXX ... RATHER than to all XXXX ; therefore resulting in unnecessary late fees and a barrage of phone calls. AES calls my family, friends, and me about 10-20 times per day using BLOCKED phone numbers.