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

As of XX/XX/2018, XXXX XXXX is reporting a currently open account that payments are being made on XXXX not late, current as of XX/XX/XXXX ) as a chargeoff and showing it was charged off for $ XXXX. They also show for the past year that the account has been in charge off status under the monthly payment record, which is also incorrect. They are also showing that XXXX payments have been made on the account and that the most recent payment is XXXX, which is untrue. I have attached the payment history as well as the current account status. I contacted customer service whom gave me a mailing address and said that the credit reporting department doesnt have a telephone number. I also filed a complaint with the credit bureaus and they wont update the information either. The account is current and XXXX XXXX refuses to update the account status to the credit bureaus while still receiving payments from me. I have not received a response from XXXX XXXX and XXXX mailing a certified letter to the XXXX XXXX XXXX XX/XX/2018.
Product: Checking or savings account

XX/XX/2023 initiated an online transfer from XXXX XXXX to Key Bank ( XXXX XXXX XXXX in XXXX, OH ), {$40.00} Funds cleared ACH clearinghouse and were deposited without issue XX/XX/2023 funds were taken/stolen by bank ( debit of {$40.00} appears ). No records at the sending bank of both the transfer of funds ( not typical ) Key Bank claims three happened which can not all happen. First is that the money was attempted to be sent back to XXXX XXXX but was rejected with an error code stating the XXXX XXXX account was closed. This is false information as that account is still active. Second, that someone set up a re-occurring expense against the account. This is false, no re-occurring expenses have been established against the account. Third, that they had taken the funds directly ( illegal ) without explanation. 

The monies were deposited to them for online transactions. One transaction against the funds occurred without issue and then they stole the entirety of the funds. The transferring institution has no records of the {$40.00} being sent to Key Bank or returned to them. To which their CSRs stated is unusual or potentially fraudulent activity by someone involved in the transfer of funds ( receiving or sending institutions ). 

Complainant is seeking his funds returned and damages against the parties responsible for this theft. ] Key Bank is attempting to close and/or freeze the account after reporting the fraud versus simply returning the funds. An attempt to destroy records of the theft. 

In over 20 years of banking with both national and regional banks, this behavior has not been observed at any other institutionl.
Product: Credit card or prepaid card

The last statement I was able to download from Comenity BankXXXX XXXX XXXX website was dated XX/XX/2022- it was a lot of time and trouble to get this statement. According to a letter I received, the store, XXXX XXXX, and Comenity Bank are no longer working together and it appears that certain functions on their website have been frozen- for example, I can not access my statement online. 

I have tried for several weeks to access my statements online for XXXX and XX/XX/2022 and they are NOT available to me. I have requested the statements by phone from Comenity BankXXXX XXXX and have not received them. I called twice today and spoke to two different Comenity Bank employees, XXXX and XXXX. Neither of them would answer my questions and both disconnected me during the calls. One call was 5 minutes long and the second was 15 minutes long.
Product: Credit card or prepaid card

XX/XX/ received a credit card Block Inc ( Cash App ) and did not apply or request it. There was no information in the sealed envelope, just a QR code to activate the card. No phone number. Only address was on outside of envelope : Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Issue : Fraud alert not removed as promised by Equifax representative. 

Details : Spoke with XXXX ( Equifax ) on XX/XX/year>. 
Requested removal of fraud alert. 
Assured it would be removed from all bureaus. 
Fraud alert number : XXXX. 
Applied for loan on XX/XX/year>. 
Received hard inquiry from XXXX due to active fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost a year and 1/2 ago I contacted XXXX XXXX to let them know that I was sick due to XXXX and that my income was affected and I had no money to pay the card and that I needed to request XXXX assistance. They told me that I was two weeks too late to qualify for their XXXX Assistance Program. I also tried to explain to them that I had a lot of difficulting trying to get through to them on the phone for those two weeks. They said it was too late and that there was nothing that they can do to help me anymore. They closed my account and reported me ( 30 ) Days late for XXXX, XXXX, and XXXX XXXX. 

I disputed the late payments with XXXX sighting XXXX with no success. 

I continued to pay my card for the next 12-13 months on time and I just made the last payment of {$3000.00} to pay off the card on XX/XX/XXXX. I called XXXX XXXX today XXXX XX/XX/XXXX, asking them to please remove the late payments now that I paid off the card. They said there was nothing they can do to help me. 

Then I tried disputing the Late Payments with XXXX online today as well, it was automatically electronically rejected. The program said ; " Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute '' So, I called XXXX and an XXXX Dispute Specialists advise me to contact you on this, he said that if needed to contact them back if I had additional information and when calling, use Report # XXXX. 

I was told that this would stay on my credit report for an additional 5 or 6 years. I really need your help as this is and will continue to affect me and my family financially with higher interest rates on credit cards and loans. Can you please help me get these three ( 30 ) Day Late Payments off my credit report?
Product: Credit reporting or other personal consumer reports

I am disputing the collection account reported by XXXX XXXX which is listed on my credit reports with XXXX, XXXX, and TransUnion. The account details indicate a balance of {$1300.00}, with the original creditor listed as XXXX XXXXXXXX XXXX XXXX XXXX. The account was opened on XX/XX/year>, and is marked as " XXXX '' with a status of " Derogatory '' and remarks including " Placed for collection '' and " Dispute resolved-subscriber disagrees. '' Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute the accuracy, validity, and completeness of this account. 

I demand validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires that XXXX XXXX provide a copy of the original signed agreement containing my full signature and Social Security number as evidence of the alleged obligation. Additionally, I request proof of assignment or transfer of the debt from XXXX XXXX XXXX XXXX XXXXXXXX. to XXXX XXXX, as required to establish the legal enforceability of this debt. Without these documents, this account must be considered unverifiable and removed from my credit report. 

The failure to provide adequate documentation violates 15 U.S.C. 1681e ( b ), which obligates credit reporting agencies to ensure the maximum possible accuracy of information on credit reports. Furthermore, the remarks stating " Dispute resolved-subscriber disagrees '' suggest previous disputes have not been adequately resolved or investigated in compliance with FCRA standards XXXX This reflects a violation of my rights under 15 U.S.C. 1681i ( a ), which requires a thorough reinvestigation of disputed information. 

As this account is inaccurate and unverifiable, I request its immediate removal and deletion from my credit reports with all three major credit bureaus. Continued reporting of an unverifiable or inaccurate collection account is a violation of my rights under both the FCRA and FDCPA, and I reserve the right to pursue further legal remedies if this matter is not promptly resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX  XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX. XXXX   and XXXX paid the claim and XXXX has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. XXXX was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She received an XXXX credit report and was notified of an inquiry made into her credit file 4XX/XX/XXXX by Capital One/XXXX XXXX ; this was done without her consent. An official dispute of this was mailed to that office XX/XX/XXXX ; however that office failed to follow FCRA guidelines and investigate the inquiry any further. As of this date the inquiry still remains on my clients credit report. This action is a violation of FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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: Credit card

Text me that theyre closing my account if I dont activate my physical card when I have a working digital card. My husband was arrested twice for domestic violence and the domestic violence shelter returned my mail to sender when I left there. Cred.ai can clearly see their own tracking number that it was returned to sender. I dont know when Ill have an address for safety and threatening to close my account is unacceptable. I have protections under Violence Against Womens Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries in all credit bureaus are unauthorized and I have tried multiple times to resolve this issue without any positive outcome I have had my credit account frozen, filed a police report and communicated with all three bureaus fraud department XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And XXXX XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} are fraudulent accounts. My previous address was XXXX XXXX XXXX XXXX  XXXX, Fl XXXX I moved on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX, Fl XXXX. Thank you
Product: Checking or savings account

I've never had an account with Chase. I tried to open an account online, and I received the following message : 'We can't open an account for you online. We'll send more information regarding our decision in a few days to the address you provided. ' I don't know why I'm being denied opening the account. I entered all my information correctly and got that message. I've never had an account with them, and I'd like to have one. I hope you can help me resolve my query. Thank you because Chase 's letter never arrives at my address.
Product: Mortgage

My husband lost his job XX/XX/XXXX. We immediately contacted our XXXX mortgage companies in order to try to delay payments and/ or find out what options were available to help us while he was searching for a new job. XXXX companies had us start " loan mitigation/modification '' processes. Our first mortgage company worked with us to move our past due payments to the end of our loan and we were able to catch up after my husband was able to find another job XX/XX/XXXX. Our second mortgage company, US Bank, literally put us through months of paperwork, faxing at over XXXX pages of documentation, supposedly " lost '' the documentation, and had us re-submit it numerous times. In the end, it was a futile attempt to receive any type of help from that company. After we were trying to make extra payments, they recently refused to take '' partial payments '' and forced us to do the " loan mitigation '' process all over again, although none of the previous circumstances had changed that they turned down the first time we went through this. Because they would n't even accept partial payments while this was happening for months, this caused the past due amount to become even higher. They only ended up offering us what they called a " temporary payment plan ''. 
Our normal monthly payment was {$500.00} with an interest rate of 12.65 % and they want us to pay 4 times that amount at {$2100.00} a month for 3 months and if we do n't, they are threatening foresclosure on our house. We have received no assistance with the loan, because they give the main reason of it not being the " primary mortgage loan ''. It has always been our second mortgage in the form of a home equity loan that we have been paying on for years now. When they considered out situation and requested our financial information over and over, they only placed into consideration the amount we pay a month for our XXXX mortgages, no other loans or monthly expenses, to say thay they see a huge monthly " surplus '' that does not exist. We have a family of XXXX, with XXXX child in college, and there is no feasible way we can try to pay these amounts and still be able to pay our bills, gas and groceries. All we were asking for, for over 2 years now, was to get some short term help and US Bank has in no way made any attempt to help us through this. They have placed us in a very difficult position and only seem interested in putting us into foreclosure to take our home. That is the " threat '' they have stated in the communications multiple times. We feel helpless and do n't know who or where to turn to try and get someone to listen and / or help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collector has said that this account does not belong to them, but they are listing this debt, that is inaccurate reporting, according to FCRA information reported have to be 100 % accurate or should be removed from consumer credit file, also company has not provided a contractual agreement showing that they have the right to collect these debts. 
There for this should be removed from my credit file. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavors 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXXXXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXXBalance : {$1600.00}
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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I asked for XXXX And XXXX  to do an independent investigation and they didn't. Because of this, I have re-sent my previous dispute letter with the one that was mailed out mid of the year and I need for this to remove or delete per my original request. These do not comply with FCRA regulations. 
I need to see the paperwork that shows how these were investigated. I also need to see where this information originated from because I've provided direct facts from the credit report. These facts can not be refuted! How can they state that they are accurate when I've clearly pointed out exactly why they can not report? 

XXXX I need to see the proof that I was ever late or this needs to be updated XXXX this is still reporting with an inaccurate court name and this is now in violation of section 1681, 609 and 603.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised via the dark web, XXXX  breach and the lost of my wallet. However, after properly reporting this unknown activity, I was also victimized by the 3 major credit reporting agencies by leaving by not honring my first request. Responding that accounts been verified, however As a general rule of law electronic verification can not be accepted as proof. Please remove and block the following accounts. 

1. XXXX  {$1100.00} 2. XXXX XXXX XXXX {$680.00} 3. XXXX XXXX 4. US Dept of Education {$6000.00} 5. US Dept of Education {$3500.00} 6. US Dept of Education {$3500.00} 7. US Dept of Education {$6000.00} 8. XXXX XXXX XXXX
Product: Credit card or prepaid card

I get four plus phone calls per day. The collection agency, Midland Credit Management, sent a XXXX form listing a balance of {$1400.00}. Midland represents XXXX XXXX   XXXX. I talked to two Midland representatives one day and explained to them that I never had or applied for any type of XXXX card. This was to no avail and the harassing phone calls continue. 1. Fraud has been committed or 2. Because of poor business practices they allow anyone to get a card without verifying their I.D . or 3. MIDLAND,  XXXX, and or XXXX are involved in a consumer scam. I talked to XXXX information at a local XXXX. They have nothing to do with credit cards of XXXX Bank. No one at XXXX could give me a phone number to call. They said XXXX is only on the receiver end and not involved with card issues. ++They did say that XXXX is switching to XXXX XXXX XXXX++.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon challenging XXXX XXXX XXXX - XXXX ; account XXXX, XXXX and Experian did not properly verify all reported information being accurate. But how is that possible if the Last reported is inaccurate, Date of Last Activity, Date Opened is inaccurate and Date of last payment is inaccurate. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true Once again I am requesting the information you used to verify this account in writing. Ive asked for this information several times but XXXX has failed to provide any documentation. Once again please provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX - to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' Also In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

These late payments are inconsistent with my standard payment history.
Product: Credit reporting or other personal consumer reports

USPS TRACKING NUMBER XXXX Delivered XXXX, TX XXXX XX/XX/year>, XXXX XXXX  Experian failed to open an investigation of dispute that was sent via certified mail. Experian made the letters disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/year> Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act This Creditor TD Bank has violated my right under 15 USC1681 section 602 states I Have the right to privacy. 15 USC 1681 section 604 ( A ) section 2. It also states that consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( B ) a credit may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.