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

I have previously disputed XXXX XXXX XXXX Georgia XXXX # XXXX with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELTED immediately.
Product: Checking or savings account

Wells Fargo, showed that I had a dollar amount in my account. Then after withdrawing from my account they took away a check that had funded the majority of the account. The check that funded the account shouldve never have shown up in the account.
Product: Prepaid card

I informed the customer service Representatives at ADP dispute center regarding my wisely spending account payroll card XXXX on authorized transactions have to complex proof of the description and the resolution that I have received does not have any support to withstand or uphold decision by XXXX XXXX  I also informed the institution to block merchant before any more transactions take place they did not end I have multiple charges from the same version repetitiously they chose to communicate via email and be a US postal mail the US postal mail was supposed to involve my signature and a deadline that was XXXX the XXXX and I didn't receive the paperwork until XX/XX/XXXX so this cause and effect I have no money from this website and provisional credit wasn't offer it does cause and more affliction to the situation at hand neither arbitration as a resolution currently I'm seeking did the lighter outcome resolution to be enlightenment on this merchant and also restoration of my funds and information from the merchant and block access from everyone itself from payroll employer and account holder which is me I also would like to expeditiously ask that these manners be handled at your earliest convenience to whom it may concern due to some expedited emergency issues with funny and the luck communication with not only the merchant but Bank also
Product: Bank account or service

I had a car loan with 5/3rd Bank which they sent me booklets for 72 monthly payments which I paid on time without missing any payments. The last payment in the last book ( # 72 ) stated " This is your last payment '' so I believed the car was paid off as anyone would. I expected to hear from the bank with my title information but never did. Today I got a call at work from a repossession company stating my car was listed for repossession by 5/3 Bank for nonpayment of my car loan. I explained to them that my car had been paid off since XXXX 2016. Thankfully, they understood that there was a problem with the bank and asked me to contact them directly and were polite enough to give me the account and contact information that I would need. I called the bank and they claimed to not have my address to contact me although there has been no communication from the bank since I received the payment books 6 years ago. During this time my address was the same until I sold my house XX/XX/XXXX. The US Postal service still forwards mail and no contact was made to me to discuss additional payments that were not included in the payment booklets. They claimed over the phone that I owed the last 3 payments of a 75 month payment plan. I do not recall agreeing to 75 months but they claimed they had a signed contract from me for that period. They quoted this to me without proof, without sending me the paperwork, or giving me notice that anything was late. I did not have this contract with me to review and was required to pay regardless of whether this was true or not because they had already placed a repossession order on my car. I questioned them why send only 72 months in payments and say " This is your last payment '' in the payment book on 72 when they expected 75 and got no answer. It was not a matter of not being able to pay for it. I paid over {$1300.00} instantly today to avoid the car being repossessed fraudulently. As shown in my payment history, I could have and would have paid the payments had the bank not sent a 72 month payment booklet saying the loan payments were complete when they claim more payments were due. I now have late payments claimed on my credit history that I consider fraudulent. Why would a bank send payment booklets with less payments than the loan requires? When questioned about this, the bank would not answer. When questioned why nothing was mailed to notify me of their claimed missing payments they claimed they did not have my address. As stated before, they had my address up until the last payment was mailed and the US Postal service continues to forward mail for XXXX customers. If they had mad any attempt to contact me concerning missing payments, they would have been received and dealt with immediately. I feel that this was a deliberate attempt by the bank to mislead a customer and obtain additional funds.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PENTAGON FCU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Money transfer, virtual currency, or money service

CFPB-XXXX Just an anonymous text about a money transfer with a link that the text sent as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my consumer report that there was an XXXX XXXX XXXX XXXXXXXX that I never opened. I have submitted my theft affidavit and I need this account closed and removed because it is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 placed a hard inquiry on my credit report. I have never applied for credit with this company. I contacted the company back in XXXX of XXXX and was told they would look into the inquiry. As of today no one has contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 65 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 65 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Product: Credit reporting or other personal consumer reports

This is to express my deep concern and frustration regarding the slow response to removing fraudulent items from your platform. As a loyal user of your service, I am alarmed by the frequency with which fraudulent listings appear and the lack of swift action taken to address these issues. 

In recent weeks, I have noticed an increasing number of fraudulent items being listed on your platform. These items not only deceive unsuspecting customers but also tarnish the reputation of your company. Despite reporting these fraudulent listings promptly, I have observed a significant delay in their removal, allowing them to continue deceiving users for an unacceptable period. 

The presence of fraudulent items undermines the trust and credibility of your platform, posing serious risks to users who XXXX fall victim to scams or receive substandard products. It is imperative that your company takes immediate and decisive action to remove these fraudulent listings and prevent further harm to your user base. 

I urge you to implement more robust fraud detection mechanisms and allocate sufficient resources to ensure the swift removal of fraudulent items from your platform. Additionally, providing users with clearer channels to report suspicious activity and timely updates on the status of their reports would greatly enhance transparency and accountability. 

Failure to address these issues promptly not only jeopardizes the safety and security of your users but also reflects poorly on your company 's commitment to providing a trustworthy platform. I implore you to prioritize the removal of fraudulent items and take proactive measures to safeguard the integrity of your service. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$5700.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX  Original creditor XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I called to make a payment and was informed that I would be charged a late fee as it was already past XXXX XXXX time. It was XXXX XXXX, I am on the west coast and I did not know this from my previous issue. 

Back in XXXX, I made a payment via the mobile app and it was deducted from my bank account but never credited on the account. Thus I was charged a late fee at the time. After seeing that and calling to provide proof of payment the charge was reversed as Chase rep stated they were having issues with their mobile app. The rep told me I could call up to XXXX on the due date and have the payment made over the phone without a late fee. He never stated this only applied to XXXX time. I was under this understanding so I believe Chase holding me accountable for their mobile application issues to be unfair and the rep to be misleading me about payments.
Product: Debt collection

U.S. autos they sold me a bad car promise to fix the car never did auto repair shop notified me that U.S. auto refuse to pay service because they went bankrupt. They repossessed the car from home and refused my calls emails and charged XXXX to my credit I only had the truck 3 days before it broke down they promised to fix it or give me another car they they shut down went bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXX XXXX XXXX
Product: Debt collection

I received an email from my bank today that receives my Direct Deposit XXXX XXXX  XXXX that a hold had been placed on my account. This is my only income. 

I've had no previous contact about this. This debt if any is beyond the statute of limitations which they should have known.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate late payment entries on my credit report regarding my account witXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). These late payments appear to be reported in error, as the account is marked as Current across all bureaus and there is no valid evidence to support these entries. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Details : Account Name : XXXX  XXXX # XXXX Late Payments : The account is marked as Current across all three credit bureaus, yet late payments are reported inconsistently : XXXX : Reports 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
Experian : XXXX 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
XXXX : XXXX 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), and 120 days late ( XX/XX/XXXX ). 
This is a major discrepancy because : The Payment Status is listed as Current.

The Past Due amount is {$0.00} across all bureaus, meaning no payments were late or owed. 
XXXX. High Credit Discrepancy : XXXX and Experian : List the High Credit as {$510.00}. 
XXXX : Lists the High Credit as {$0.00}, which is incorrect and inconsistent with other bureaus. 
XXXX. XXXX XXXX Dates : XXXX and Experian : " Last Reported '' date is XX/XX/XXXX. 
XXXX : " Last Reported '' date is XX/XX/XXXX. 
Reporting dates in the future violate FCRA Section 607 ( b ), which requires timely and accurate reporting. 
XXXX. Date Last Active : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
These discrepancies suggest inaccuracies in the account activity information. 
XXXX. Payment History Contradictions : The Payment History shows late payments for specific months ( XXXX, XXXX, and XX/XX/XXXX ), even though the account status is listed as Current with no past due amounts. 




Violation of Consumer Protection Laws : Violations of 15 U.S.C. 1681 ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of consumer information. Reporting late payments on a current account violates this standard.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I have the right to dispute any inaccurate information on my credit report. The bureau must conduct a reasonable reinvestigation to verify its accuracy.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified as accurate, it must be promptly deleted or corrected.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnishers, such as creditors, are prohibited from knowingly reporting inaccurate information.

5. 15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute, the furnisher must investigate, review relevant information, and report its findings to the credit bureaus.
Product: Credit card or prepaid card

On XX/XX/XXXX I sent a {$590.00} payment on my Chime card to my wife. Before she was able to claim it someone stole our phones. That night I emailed Chime and live chatted with Chime and let them know what happened and filed a dispute. Within 30 min and me not even having time to send in supporting documents, they denied my dispute. I told them to appeal it and sent in the police report, witness statements and some more documents On XX/XX/XXXX they told me Id receive a credit by the XXXX I never received it. Then on XX/XX/XXXX I received a email that they denied it. I asked for paperwork and never received it. Since then I have emailed Chime on XX/XX/XXXX, XXXX, XXXX, the XXXX, XXXX all the way up until today for paperwork and someone to reach out to me and Ive heard nothing. I have kept every single email and paper trail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have given an FTC Report as well as attempted to contact Equifax regarding the removal of inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2020 Amount : {$180.00} Action Taken : I submitted a complaint through the CFPB and by mail asking for the authentic contract or application that created the debt. I asked for theauthentic contract for further review or this is considered willful intent to damage my credit worthiness. There is 1 account in question labeled XXXX XXXX. This means that EQUIFAX needs to send me the authentic contract or application as proof of compliance with the Fair Credit Reporting Act. The Fair Credit reporting act states that the authentic contract or application is to be shown to the alleged debtor when the alleged debtor submits a claim of fraud to the entity trying to collect the debt.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description with specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974.

NAVY FEDERAL CREDIT UNION : Inaccurately reporting credit card utilization. It is illegal to report transaction history. Please advise creditor to keep the account as open on my credit/consumer report, and to report the utilization as 0 % [ backdated to opening of account and for present and future use of the open ended credit account, as long as there is a contract in place ], per 16 CFR 313, 433.2 and 433.3.
Product: Mortgage

My first home mortgage from BB & T bank was a short sale transaction. The bank accepted less then the mortgage. I signed the XXXX form in XXXX of 2014 selling the home to another individual. BB & T bank then reported the loan delinquent 180+ days for the next 20 months. I have tried to dispute this information XXXX in which I have included the lawyer signed documents showing the home was sold in XXXX of 2014. XXXX has not taken proper actions to fix my credit report.
Product: Student loan

I have debt cancellation XXXX but XXXX in trying to collect on the debt I have faxed documents to for of XXXX and XXXX from XX/XX/XXXX thru XX/XX/XXXX no resolve I was contacted and told by an advocate from XXXX that she would review and get back to me this was XX/XX/XXXX no response XX/XX/XXXX I contacted the advocate i received an email to confirm the email was received
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXXt number 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
Product: Checking or savings account

I was being charged maintenance fees when I was getting direct deposit when I went into the bank I requested those fees to be refunded I was told that I can only get one payment back when they charge me at least four months of monthly maintenance charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with Credit Acceptance for a XXXX XXXX van I had financed. I traded in that vehicle with XXXX XXXX XXXX in XX/XX/XXXX. I have confirmed with receipts that the dealer paid off this loan in full and received title to the van. Credit Acceptance never marked my loan as paid. This last spring they began reporting it to the credit bureaus as late and I now have multiple 180+ lates on my credit that are inaccurate, as I have not had this vehicle since XXXX and it was paid in full by the dealer. I have contacted Credit Acceptance multiple times and they ignore my requests for information. After a complaint to the XXXX they marked it as paid and sent me a title release. They also sent me an original copy of hte loan with a paid stamp on it where they crossed off XXXX as the paid date and put XX/XX/XXXX. This loan was fully satisfied in XXXX and the lates on my credit report are inaccurate and preventing me from refinancing my mortgage. I want these inccorrect lates removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THER ARE SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT ARE REPORTING INNACURATE INFORMATION I HAVE REACHED OUT TO BOTH THE XXXX AND THE CREDIT BUREAUS SUCH AS EXPERIAN, XXXX AND XXXX. 
THE ACCOUNTS ON EXPERIAN ARE XXXX XXXX WRONG AMOUNT IS BEING REPORTED TARGET SAYS DATE LAST ACTIVE XX/XX/XXXX XXXX SAYS DATE LAST ACTIVE XX/XX/XXXX CHASE DATE LAST PAYMENT MADE IS INCORRECT CHASE DATE LAST PAYMENT MADE IS INCORRECT XXXX WRONG AMOUNT OWED IS REPORTED CREDIT XXXX XX/XX/XXXX SAYS PAID LATE, EVERY PAYMENT WAS ON TIME THE ACCOUNTS ON XXXX XXXX WRONG AMOUNT OWED IS REPORTED CHASE DATE LAST PAYMENT MADE IS INCORRECT CHASE DATE LAST PAYMENT MADE IS INCORRECT TARGET DATES LAST ACTIVE SAYS XX/XX/XXXX XXXX  WRONG AMOUNT IS BEING REPORTED CREDIT XXXX XX/XX/XXXX SAYS PAID LATE, EVERY PAYMENT WAS ON TIME XXXX XXXX XXXX XX/XX/XXXX SAYS PAID LATE, EVERY PAYMENT WAS ON TIME XXXX WRONG AMOUNT OWED IS REPORTED
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my Follow-up to make sure that the disputed items in my credit report are deleted entirely for they are fraudulent and erroneous. Kindly delete the following items : 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 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 Account Number:XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.