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

Dear Sir/Madam, I am writing to dispute the inaccurate utilization reporting for my XXXX XXXX XXXX account on my credit reports. I have attached the relevant credit card statements for the months of XXXX and XXXX as supporting documentation to expedite the resolution process In reviewing my credit card statements, it has come to my attention that there are significant errors in the utilization reporting for the mentioned months. Below are the discrepancies I would like to address : XXXX. XX/XX/2023 : The reported utilization for this month is stated as {$140.00} ( XXXX usage ), when in fact, the utilization should have been {$0.00}. The payment statement closing date for XXXX was XX/XX/2023. 
These inaccuracies are not only misleading but also have a negative impact on my creditworthiness. As such, I kindly request that you rectify these errors immediately and update my credit reports accordingly. 
I want to draw your attention to the following sections of the Fair Credit Reporting Act ( FCRA ) that I believe have been violated in this instance : 1. Section 611 ( a ) ( 5 ) ( A ) - Timely Resolution : The credit reporting agencies are required to respond to a dispute within 30 days of receiving it. Failure to do so violates this section. 
2. Section 607 ( b ) - Duty to Correct and Update : Credit reporting agencies have a duty to promptly correct any inaccuracies or incomplete information. Reporting incorrect utilization violates this section. 
I expect you to initiate a thorough investigation into the inaccuracies mentioned above and promptly contact XXXX XXXX XXXX to verify the accuracy of the utilization reporting. Furthermore, I request that you provide me with a detailed response within the legally mandated timeframe of 30 days, outlining the results of your investigation and the actions taken to rectify the inaccurate reporting. 
Please consider the attached credit card statements for XXXX and XXXX as irrefutable evidence supporting my dispute. If there is any additional documentation or information required from my end to facilitate the investigation, please inform me promptly. 
Thank you for your attention to this matter. I trust that you will handle my dispute with the utmost professionalism and urgency, adhering to the legal obligations outlined in the Fair Credit Reporting Act. I insist on the errors being corrected promptly and my credit reports being updated accordingly. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute request with all the information required. 
Citi then sent me a letter outlining the " information includes but is not limited to ... '' was submitted to the credit agencies. The " Actual payment amount '' was not listed. 
Not including this information grossly misrepresents the credit use of the account holder. 
It's like trying to measure rainfall and outflow from a dam, by just taking the water level. 
All the information submitted to the credit agencies shows is the current balance and if it's delinquent. I could have used the card for $ XXXX 's or XXXX transactions and that would not be reflected in how I was using my credit, which is sort of the point of a credit rating! 
I suspect that this may unfairly be detrimental to some peoples credit scores.
Product: Checking or savings account

I received a check for {$2900.00} from an advertising company to pay for installation of advert on my vehicle and payment to me for advertisement. My payment was to be {$500.00} out of this check, the rest was to pay installation.I deposited into my savings and did not take any money from it because I wanted to make sure check was good. After crediting my account for the amount of check, the following day it was taken back out by the bank who said check was returned. But all it says is returned check deposit on the transaction and I questioned that this would look as though it was me, income I received but I was told by bank that, No, thats how its done. ( This is second time this happens ) But XXXX shows it as income so Im inclined to agree since I was afraid of exact thing. Thank you
Product: Credit reporting or other personal consumer reports

Went running my credit I noticed there is a debt that does not belong to me from some apartment I have never lived or stay at that is affecting my credit and creating debt on my name
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXXXXXX ). 
( XXXX XXXXXXXX XXXX XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

I have contacted the CFPB previously with another collection agency regarding this debt. The debt is not accurate the company refuses to send me the back up information proving the amount, I have provided the information to them, however, they still deny the situation. I am asking for your assistance to stop this credit collection harassment by this new company now.
Product: Credit card

AMEX recently raised their fees and my annual fee is due soon. I don't need the card, and it no longer makes sense for me to pay the fee, especially now that it's been raised by 50 %. There is no way on their website to find a ) when the next fee payment is due or b ) how to cancel the card. I tried chatting to contact someone, and there was a XXXX wait. Essentially, I am being held XXXX : Either I sit online waiting for them to reply or they charge me {$150.00} for something I no longer want or need. XXXX was sued for similar. I hope AMEX is too. This is clearly coercive and harmful to consumers. 

I expect my card to be cancelled before my next payment. I will not pay a dime now that I have tried to cancel and they will not let me.
Product: Student loan

I graduated from the University of XXXXXXXX in XXXX. Like many XXXX and XXXX XXXX XXXX, I was naive and really did not know how much college was going to cost or how I was going to pay it back. I thought higher education couldnt be a bad investment. My mother, who did have any money to contribute to my tuition, did a lot of the paperwork. Including the FASFA, which determines my aid eligibility on her and my fathers income. They were not well off but also didnt give me a XXXX for or during my XXXX years of attendance. The last 15 years have been trying to figure out how to pay off XXXX in student loan debt while trying to establish myself as an adult. That burden has been awful. My private loans are with XXXX and public with XXXX. My last payment to XXXX was for the full amount of {$570.00}. Of that amount, {$.00} was applied to the principal. Of the 6 different group loan types, one has an interest rate of 11.08 %. I have XXXX payments, XXXX years, remaining to pay off this debt. 

My degree is in XXXX XXXX. I thought I would go to law school, but understandably, did not think the debt was worth the degree. My first degree was not worth the investment. I cant return my degree. Ive tried. 

In order to pay my normal bills with little discretionary income left, I can not afford my college loans. I wouldnt have gone to college if I knew the payments would be this high. But I didnt know. How is this legal? Why can financial institutions take advantage of children like this when they believe they think they are doing something positive for their futures? This is wrong and insidious. I made the choice to go to school when I was XXXX XXXX XXXX. Now Im being charged 11 % on variable rate loan when Im one month away from being XXXX. My only option is to default. Deferment or forbearance options are depleted. Im tired and just want to raise my XXXX XXXX year old son.
Product: Checking or savings account

On XXXX XXXX XXXX I went up to my local Bank of America in XXXX XXXX, NV. I received a {$3400.00} check as an assistant for a job I applied for. I tell the bank teller I have a check I want to deposit. I also tell them I DO NOT want to withdraw any money from my checking or savings account. I can wait, just this check specifically once it 's verified and becomes available. I then proceed to ask the teller how long does it usually take. He responds sometimes it depends, sometimes a few hours or a few days. Towards the end of the transaction the bank teller tells me everything is all good I can actually withdraw that check right now. I proceed to do so and was under the impression that the check was good and I was performing my job. It turns out the job was a scam and they used me to buy gift cards and send to their email. 

I saw an alert on XXXX XXXX XXXX that my account balance was below {$25.00}. To find out that check I withdrew on Saturday was not good in fact. I got the bank of america to retain my account back for a few days and they proceeded to remove the {$3400.00} from my account again on XXXX XXXX. XXXX. I spoke to the fraud/claims dpmt., banker at my local BOA and was denied any claims for my {$3400.00} loss. 

My complaint is that I was misinformed greatly about the check being approved. Which led to this {$3400.00} loss. I would not have proceeded with a {$3400.00} withdrawal if it was revealed accurately that the check was indeed bad. This misfortune could have been prevented if Bank of America did their job correctly and only gave me access once that check cleared like I requested.
Product: Debt collection

Calls from both XXXX and XXXX claiming to be ERG and threatening legal action without providing any proof of debit or stating what the amount of the debit is.
Product: Mortgage

Weve entered into contract with Zeus Lending for a hard money investment loan. The procedure is that we have money in escrow with them towards repairs to be done on said properties and we pay the mortgage payments to them monthly and they release funds to us as the jobs are done and inspected. They is supposed to be a XXXX business day turn around and the most and that is never the case. They never pay us on time because I believe the company uses our escrow funds in different situations which is why we can never be paid when we are supposed to. The loan total on XXXX contract is {$620000.00}. By XXXX not sticking to the turn around and contract details it is causing us money, time and stress to others we owe for the jobs the did. XXXX has a late fee for our contract of {$800.00} if were late but they pay us late constantly without any regard to our bottom line. At this time we have been waiting on them to pay us since around XXXX and still have yet to receive the payments and have more to submit which means they will be that much longer getting funds that belong to us released. Weve made several calls and emails to no avail. Most times they wont even return the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and I have attached my ID and Social Security Card for verification. I checked my credit report and noticed some fraudulent, inaccurate, and incomplete information. I will list these accounts below ; please conduct a reasonable investigation and DELETE these accounts off my credit report XXXX. US DEPT ED XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX  ) XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX. U S DEPT OF EDXXXX XXXX DP OF EDUC XXXX  XXXX
Product: Student loan

ON XXXX XXXX, XXXX, WHAT I THOUGHT WAS MAKING ARRANGEMENT TO DEFER MY STUDENT LOANS ONLY TURNED OUT TO BE A SCAM. I ENDED UP AGREEING TO PAY THIS COMPANY [ PERFORMANCE STUDENT LOCAL CONSOLICATION AKA PERFORMANCE SLC, XXXX, A MONTHLY SERVICING FEE FOR FOR {$89.00} PER MONTH. ONLY TO FIND OUT THAT I DID NOT HAVE TO PAY A FEE BUT COULD HAVE SET UP THE ARRANGEMENT DIRECTLY WITH THE DEPARTMENT OF EDUCATION. THE PAYMENTS THAT I HAVE MADE ARE NOT GOING TOWARD THE STUDENT LOAN. IT IS ONLY A FEE THAT IS GOING TO THIS COMPANY. THERE IS NO BENEFIT IS PAYING THIS MONTHLY FEE. MY XXXX XXXX AND MY FATHER 'S XXXX XXXX IS STILL DECREASING BECAUSE THERE THE ARRANGEMENT WAS NOT REPORTED UNTIL RECENTLY. I HAD MADE XXXX PAYMENT DEDUCTED FROM MY FATHER 'S CHECKING ACCOUNT. SINCE THEN, A STOP PAYMENT ORDER HAS BEEN ISSUED AGAINST THIS COMPANY.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Got an alert from XXXX XXXX changes of changes to my credit report on XXXX pulled my reports from XXXX. 
I called Transunion and asked for fraud department and was told I needed a FTC or police report and needed to send copy of Identification, ( DL ) and copy of Social Security Card and either a current bill or bank statement.
Product: Debt collection

This is not my debt. In    XXXX   XXXX   2016, I started the process of purchasing a home. In   XXXX   XXXX   2016,   when about to close on my home, I was informed that I had an outstanding collection that had appeared out of no where from this company stating that I owed  XXXX  for an unpaid bill. I was unaware of this debt until that time. At that time, I called  Convergent Outsourcing, Inc. and inquir ed about the debt, they asked for all the information and concluded that it could be a case of fraud. At that time I asked for proof the debt so that I could provide proof to my lender that it was not my debt so that I would not be disqualified from purchasing the home and I was informed that they will send out their fraud packet as well as proof and as of this date, I never received said documents. I have took it upon myself to dispute the debt by sending in proof of my identification and st ill this company is trying to hold me accountable for this debt. I recently contacted the   XXXX   major credit bureaus with a  XXXX  letter to re-investigate this debt and I ha ve recently been informed from  XXXX , that the item has been verified and reported correctly, however, I still have not received documentation validating this debt as mine.
Product: Credit reporting or other personal consumer reports

There are still inaccurate accounts that keep showing up on my credit report. Please check the documents I've included regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Th SYNCB/BELK account that is reporting on my credit profile is not my debit. The account was sold to XXXX XXXX. The XXXX XXXX, cased was dismissed in the County Court in XXXX County, Florida because the signature did n't match. <P/>The CASE NO : XXXX ; therefore this FRAUD debit should be removed from my credit profile.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with capital one. I couldnt pay it so it got charged off. On XX/XX/2018, I called and settled the account. I have asked them why they are reporting a balance on the charged off account since it was settled. I was told by the gentleman on the phone that it was going to reflect a XXXX balance due to it being settled. I have called them again in mid XXXX and they keep giving me the Run around saying that there is nothing they can do. 

Please help me resolve this issue. I in good faith settled with them because I know i couldnt pay the full amount.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I'm in the process of buying a home and I realized I had damages on my credit report According to the 15 U.S. Code 1681 there should not be any damages on my credit report it's a defamation to my character. " I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' XXXX XXXX XXXX XXXX {$23000.00}
Product: Credit reporting or other personal consumer reports

Spoken to representative on XXXX  I notified agent that their reporting of my account is wrong on all 3 credit bureaus. It states my account is closed which is incorrect. States wrong last payment. Account status states repossession which is the wrong account status. I still have the vehicle in my front yard due to I paid the reinstatement fees and the account was brought to current and have also made a regular payment on the account .so the reported balance is wrong. This has substantially lowered my credit profile more than it should be the company 's false reporting.
Product: Debt collection

PORTFOLIO RECOVERY Complaint Department XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I am writing to dispute the following information that your company provided to XXXX XXXX. 
The item Reported is a Collection/Charge Off in the amount of {$370.00}. This item is being disputed as an incomplete and inaccurate amount because I do not owe this company {$370.00}. 
PORTFOLIO RECOVERY has reported on my credit report that there is No Reported account type, No Reported date of last payment, No Reported amount past due, No Reported Monthly Payment, A " Highest Balance '' of : {$180.00}, an Available Credit Limit of : {$300.00} and a Credit Used at : 0 %. 
The amount of {$370.00} is incorrect, inaccurate, and incomplete on this account. 

The Date of this account says closed on XX/XX/2012. 
I have no record of owing the amount {$370.00} to this company. I am requesting that PORTFOLIO RECOVERY have the item removed to correct the information. 

I would also like to request that PORTFOLIO RECOVERY stop calling me and harassing me about this debt. Please reinvestigate this this matter and contact the national credit reporting companies to which you provided this information to have them correct and delete the disputed item as soon as possible.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS OFFERED AN SETTLEMENT AND IT WA SSUPPOSED TO BE REMOVED OFF MY XXXX ONCE PAID. I PAID AS AGREED AND THIS DEBT IS STILL SHOWING ON MY CRDIT FILE WHICH IS HIDERING ME TO OBTAIN CREDIT.
Product: Credit card

I have received my credit card statement and my due date fell on the weekend. One was XXXX/XXXX/XXXX and the other was XXXX/XXXX/XXXX. In each case my payment was made on the first business day following the weekend. I was charged a late fee by Wells Fargo Financial. My understanding was that if the due date fell on a non business day, the payment will be due the next business day. Is this correct?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the credit bureaus 4 times already. 

The credit bureaus didnt follow the Fair credit reporting law.I asked the credit bureaus for the method of verification and they didnt provide it to me.Therefor, I believe they reporting inaccurate information on my reporting because they failed to provide me with furnisher who report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the bankruptcy twice with the credit bureau that it's inaccurate and needs to be verified. They keep responding that it has been verified but I have yet to receive something in writing verifying that it's accurate. This is for all three credit bureaus. I want the information to be properly verified and if not removed. 
There is also a XXXX XXXX  account for {$130.00} XXXX that I asked for verification and still have yet to receive the information.