23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have always made sure to pay this account on time and have never missed a payment. I don't understand why there are late payment remarks on my accounts. According to 15 USC 1666b, this billing error should be corrected.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX Bankruptcy - Account XXXX Bankruptcy - Account XXXX
Product: Credit reporting or other personal consumer reports

This account is many years old. I attempted to contact XXXX to get details on how to get the account removed from my credit profile and I was told that XXXX does not handle the removal of accounts on credit reports, just updating the account status, which I find strange since it's being reported on all three credit reports.
Product: Credit reporting or other personal consumer reports

I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Inaccurate Reporting and Failure to Provide 1099-C To Whom It May Concern, I am writing to formally submit a complaint against XXXX rega.rding the inaccurate reporting of my account on my credit report. My account number is XXXX I have disputed this account multiple times with XXXX, XXXX, Experian, and XXXX due to its designation as a " profit and loss write-off. ", Inaccurate payment history, and Inaccurate account status. Despite my efforts, XXXX continues to report this account inaccurately without providing me with a 1099-C form, which is required for such a write-off. This lack of documentation raises concerns about tax implications and compliance with the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute inaccurate information on my credit report, and I believe that XXXX has failed to fulfill their obligations in investigating and rectifying this matter. The continued reporting of this charge-off is not only misleading but also damaging to my credit profile. 

I request that XXXX immediately remove this charge-off from my credit report as well as the negative and inaccurate payment history until they can provide the necessary documentation to support their claims. It is crucial that my credit report accurately reflects my financial history, and I believe this accounts current status violates my rights under the FCRA. 

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

Sincerely,
Product: Credit reporting or other personal consumer reports

i asked the company to send me original contract between me and them and they didn't
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX  for multiple violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other federal credit laws. The following issues require immediate correction : 1. Re-aging of Charged-Off Debt ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ) XXXX XXXX XXXX  continues to report the charge-off every single month for years, making it appear as a new late payment rather than a past delinquency. This is illegal re-aging, as charge-offs should only be reported once at the date of charge-off. Monthly charge-off reporting extends the statute of limitations unfairly and damages my credit inaccurately. 

XXXX. Reporting an Inaccurate Balance After Charge-Off ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Under the FCRA, once an account is charged off, the balance should reflect the final amount at the time of charge-off. However, XXXX XXXX XXXX  has continued to adjust the balance after the charge-off date and has reported inconsistent balances across different credit bureaus. This indicates improper reporting, failing to ensure accuracy as required under federal law. 

XXXX. Unfair & Excessive Fees Beyond Credit Limit ( TILA Violation 15 U.S.C. 1601 et seq. ) The balance reported far exceeds the credit limit at the time the account was active, indicating excessive and possibly unlawful fees added after charge-off. The Truth in Lending Act ( TILA ) restricts unfair finance charges and misleading credit practices, which XXXX XXXX XXXX  appears to have violated. If the fees exceed what was contractually agreed upon, they must be removed. 

XXXX. Failure to Properly Investigate Past Disputes ( FCRA Violation 15 U.S.C. 1681i ) I have disputed this account multiple times over the years, yet XXXX XXXX XXXX  has failed to conduct a reasonable investigation and has not provided verification of the reported information. Each time, they simply verified the data without producing documentation to substantiate their claims. This is a clear violation of the requirement to conduct a proper investigation under the FCRA. 

XXXX. Reporting a Charge-Off While Still Attempting Collection ( Deceptive Collection Practice 15 U.S.C. 1692e ) Despite reporting the account as a charge-off, XXXX XXXX XXXX  has continued collection efforts, which can be misleading and deceptive. If an account is fully charged off and closed, it should not be simultaneously treated as an open collectible balance. This raises concerns of deceptive and unfair debt collection tactics. 

See attached credit reports from Experian and XXXX, which clearly demonstrate continued charge-off reporting with an outstanding balance. Additionally, the repeated monthly charge-off updates constitute unlawful re-aging of debt under FCRA 15 U.S.C. 1681c. These violations misrepresent the accounts status and artificially extend derogatory reporting beyond the legally permissible timeframe.
Product: Vehicle loan or lease

Loan paid in time and in full. 
Payment has never been late.
Product: Debt collection

Said company is Transworld. 
They call repeatedly-daily even after being told to STOP!!!!! They called me last night from a new number at XXXX central time. 
( XXXX ) XXXX XXXX ) XXXX These two numbers. And if I block them they call from a new number. 
I dont owe them I owe the original creditor, who wrote said debt off. I have told them to mail notices-they do that WEEKLY!!! So whether its via phone or by mail they HARRASS by repeating!! 
I just got an explanation of benefits from my insurance and it appears that I also owe less than what they are trying to collect on. 
They have been harassing me for weeks. I answered the phone one time in the last ten days and when I started talking they were wadding up paper of some kind and acting like they couldnt hear me. 
Again it needs to STOP! 
If I had {$200.00} to pay XXXX XXXX XXXX I would I sure as heck aint gon na pay transworld. Ill pay XXXX directly!!!! 
Make them stop!!!
Product: Mortgage

I paid my mortgage on time and they placed it in an account and did not apply it to my account and stated it was short because the mortgage payment increased to cover the escrow account however I did not receive notification of this. I called in response to a missed call and was informed of the issue and I told them at that time that my payment are made automatically and I had proof of an on time payment and they then explain it had not been applied to my account but instead placed in another account, which caused my payment to be late and they reported a late payment to the credit bureau despite having my funds and not applying them to my account despite my effort to resolve the issue and they literally reported me to the credit bureau the next day after my call to try and figure out and resolve the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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

Notice of Intention : This communication is not intended to threaten, harass, or hinder any lawful operations ; it is for the purpose of obtaining lawful remedy as is provided by law for any Citizen of the united states of America ( without the United States ) ; XXXX XXXX, who is in good standing. 

In accordance with Fair Credit Collection Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ). 

The account names and numbers will be listed under their respective credit reporting agency : XXXX : XXXX XXXX XXXX XXXX ; US Dept of EDXXXX XXXX US Dept of EDXXXX ; Acceptance XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collections- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 ( a ) ( 4 ) states that the consumer reporting agencies must be fair, impartial, and respect the consumers right to privacy.

2. 15 U.S.C. 1681b ( a ) ( 2 ) states that the consumer reporting agencies can not furnish an account without my written instructions.

3. 15 U.S.C states that no consumer reporting agency may make any consumer report containing any of the following item of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate.
Product: Checking or savings account

Bank : Chase Date of inquiry : XX/XX/2023 Claim number : XXXX Card ending in : XXXX Claim related to account ending in : XXXX I disputed a {$380.00} charge with Chase Bank on XX/XX/2023 ( original transaction date was XX/XX/2023 ). They didn't ask me for any documentation to support my claim. Then, on XX/XX/2023, I got a notice with " updated information about my claim. '' It said the following : We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
As a result, we are removing {$380.00} from your account on or after XX/XX/2023. If the account the claim is related to is no longer open with Chase, and you don't have an open account with Chase for us to debit, we may request you to repay the credit ( s ).

Contact us if you would like to request the information we used for our research. 
If you have questions, please call us at XXXX. 
Sincerely, Customer Claims Department The letter did not tell me how to appeal the claim. The letter didn't even say that I could possibly appeal the claim. I believe that by law they are supposed to tell me how to appeal this decision. I called numerous times and reps told me there is no way to appeal. Finally I got someone on the phone who told me I could go into the " track a claim '' section on the chase website, and upload supporting documents in the " closed claim '' section. But the claim is still saying it's closed. Chase should have been very transparent in 1. the fact that they wanted me to send documents to show evidence of my initial claim. 2. they should have clearly told me that there is an appeal process and how to appeal. 3. my case should now be " open '' if I'm appealing it ( which I'm still not sure I am because it shows on the website as closed. ). I don't feel like this is a fair process at all. I want my money refunded to my account from my claim that I disputed.
Product: Debt collection

Ive been apart of two or three breaches and my email and social is all over the black market. Ive tried to dispute but nothing is working. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received email communication in XXXX of 2021 that XXXX, the financial rent assistance program through XXXX XXXX would pay my apartment complex XXXX XXXX ( XXXX XXXX XXXX ) {$5300.00} in rent assistance. XXXX XXXX still maintains that the funds were never issued to them, and its almost two years since this incident occurred. I was issued an eviction notice at the time and this debt has since been put my on my credit and has adversely affected by this.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have asked these companies for debt validation multiple times and have not been given this information. I need these accounts removed from my credit report as they are stopping me from being able to find housing. If a FTC report needs filed for privacy violations in order to get them removed I can do that as well! All I ask is that this information be provided from these companies within the next 10 days or remove the accounts from all of my reports that they are currently reporting to. Thank you! 

Furnisher, Account Number and Date Opened Below. 

XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX Information requested ( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; ( c ) Validation information. 
( XXXX ) Debt collector communication disclosure. The statement required by 1006.18 ( e ) ( 2 ) Information about the debt.

( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

( ii ) The consumers name and mailing address.

( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. 
( v ) The name of the creditor to whom the debt currently is owed. 
( vi ) The itemization date. 
( vii ) The amount of the debt on the itemization date. 
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. 
( ix ) The current amount of the debt.
Product: Checking or savings account

My dad created a joint account for me to start off my reselling/side hustle business of flipping brand shoes like XXXX, XXXX, XXXX, and clothings like supreme and such at the time. My business took off a couple years later and I started being able to purchase more shoes and clothes and flipping them on 3rd party sites such as XXXX, XXXX, XXXX, XXXX, and local market places and I had funds and payout entering my account everyday to which I withdraw next the day to be able to replenish and stock up on more inventory to sell, and it went on for awhile until I got a letter from CHASE saying my account and credit cards will be closed on a certain day. I went to 2 local branch to try to get more info on why and to see if I can appeal it. I called the number provided and nothing could be provided to me. The branch employees tells me that they sent me a letter basically telling me to stop with the withdrawals and such but I never got XXXX in the mail. And now my account and credit cards with funds and points were closed.
Product: Debt collection

On XX/XX/2015 I had no other choice but to terminate my apartment lease. It was an unsafe environment for my family, surrounded with drug dealers & thief 's. The collection company FCO collecting on behalf of XXXX XXXX XXXX is reporting inaccurate information to my credit report & attempting to collect debt that is not valid. In the debt validation response I have received from FCO it clearly shows that I signed a addendum called " Florida liquidated damages/Early termination addendum '' that maximum amount I would be charged with or without a 30 day notice is {$1000.00}. The move-out statement shows a charge for early termination of {$1400.00}, also a random charge with no explanation " rebill '' in the amount of {$400.00}.
Product: Credit reporting or other personal consumer reports

I am disputing my personal information. Names and addresses are on my consumer report that shouldnt be and needs to be updated to the correct information which is listed below. My name is spelled XXXX XXXX XXXX, my date of birth is XXXX and my correct and only address is XXXX XXXX XXXX XXXX, P.A XXXX this is the only address that should be listed on my consumer report please remove any other address and names or DOB other then the ones stated in this letter.
Product: Credit reporting or other personal consumer reports

I am Requesting the Removal of Inaccurate Late Payment Entry from Credit Report. 


Account XXXX In light of these regulations, I request that you take immediate action to rectify this error by removing the inaccurate late payment entry from my credit report. I emphasize that this request is not made frivolously, but rather in accordance with my rights as outlined by the FCRA. 

I have enclosed copies of supporting documents [ attached file ] to substantiate my claim of on-time payment. I trust that upon review of this evidence, you will promptly correct the erroneous information on my credit file. 

Please provide written confirmation once the necessary corrections have been made. Additionally, we request that you furnish my client with a free copy of their updated credit report reflecting the removal of the inaccurate late payment entry. 

In addition to the inaccurate late payment entry, it has come to our attention that the credit report provided by your agency differs from those provided by other consumer reporting agencies. Such inconsistencies raise concerns regarding the accuracy and reliability of the information being reported by your agency. 

In light of these legal obligations and discrepancies, I hereby formally request that you take immediate action to rectify the error by removing the inaccurate late payment entry from my client 's credit report. This request is made in accordance with their rights as outlined by the FCRA, and failure to comply may result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Product: Debt collection

My name is XXXX XXXX, I am making this complaint on my own without being forced coerced or intimidated into making this complaint. Also there are no third parties or agents involved in this communication between myself and the cfpb.
Product: Checking or savings account

I bank with SunTrust, while I am aware of excessive transfer fees from savings to checking the current situation in the economy sort of has things uncertain. Due to that I had to make several unplanned and ultimately unexpected withdrawals. It egregious for big banks to be taking up fees on consumers in the mixt of a global health concern with many states being in a state of emergency. I'm sure banks will receive kickbacks, funding and other breaks in the stimulus bill so for banks to continue to charge excessive fee withdrawals when the entire country is in a pandemic is bad business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent 3 dispute letters to XXXX, Experian & XXXX  around XXXX to dispute a few items off my credit report. On XX/XX/2020, I received a letter from XXXX  only stating that the dispute does not currently appear on my report. 

I changed my legal name just started notified all agencies ( passport, social security, driver license, bank ) earlier of this year. Additionally, I have not borrowed any money or applied for any credit card ever for a long time. 

I am assuming since my social security and date of birth are remaining the same, the credit agencies will have access to the same information. ( isn't that the whole point of investigating?! ) At the end of the day, I am not sure the status of my dispute with these 3 agencies. Please advise. 

Thank you, XXXX