23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

I was told as per letter I am submitting that if I paid XXXX dollars the bill will be paid in full so I did so, as should in second doc I paid on XXXX XXXX on XX/XX/year> the company reported it as late and a balance I called to get it fixed sudsing it was a error the guy I talk to stated I still owe XXXX dollars please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had already placed a dispute about this error, but nothing was fixed in the end. I had a XXXX XXXX  ( XXXXXXXX XXXX ) but never received a bill. This resulted in a 30 day late payment. The 30 day late payment is still showing up on my credit report and it should be removed because I did not receive a bill. When I called back to try to close the account and pay they were unsuccessful in assisting me with my requests. There was miscommunication and the issue was never fully resolved. This led to the error being on my credit report that should be removed. Can someone please help me? It is really affecting my credit score!
Product: Credit reporting or other personal consumer reports

I'm a victim of a sham investigation from Equifax credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. XXXX XXXX system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error. Send me a copy of my credit report after your investigation is completed also show me how you investigated my claim of the account im disputing, so me how this account is incomplete and accurate!
Product: Credit reporting or other personal consumer reports

I opened an account with self financial / lead bank on XX/XX/2021 Ive made sure to make all payments on time on the other hand this creditor is furnishing my credit report with inaccurate information they put I paid 2 months late this isn't true I tried to reach out to them a couple times and. seems as gif they're not trying to update this inaccuracy violating. the fcra rights as we speak 15 USC 1681 sec 602 15 USC1681 SEC 604 A SEC 2 15 USC 1666B above I have listed my rights they are violating
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$420.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$540.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

The company MONEVO INC has obtained my consumer report on XX/XX/2023 and XX/XX/2023 without my knowledge or consent. I have not given written or verbal consent to MONEVO INC to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.
Product: Student loan

I have a private student loan through Navient ( formerly XXXX ), and each month of this year, my loan payment amount has increased. My payment due on XXXX XXXX, 2016 was {$7.00}, my payment due on XXXX XXXX, 2016 was {$140.00}, my payment due XXXX XXXX, 2016 is {$140.00}, and looking ahead, XXXX payment due on XXXX XXXX, 2016 is {$140.00}. According to the loan detail page on my online Navient account ( at www.navient.com ), I have a fixed interest rate of 9.875 %, so that does not change and I 've been paying on time, so there are no late fees. When I called to question this, the lady I spoke with could not tell me why my payment amount was continuing to increase each month, would barely let me finish a sentence, constantly interrupting me and talking over me. She would also not give me any contact information for a supervisor or higher authority. I do not understand at all, why my monthly payment amount continues to increase.
Product: Credit reporting or other personal consumer reports

Despite my initial dispute and the provision of supporting documentation, this late open account persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of this inaccuracy. However, despite my efforts, this late open account continue to be inaccurately reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of these late open account not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into this late open account, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct this error and ensure that my credit report accurately reflects my payment history. I urge you to prioritize this matter and provide a written response within the legally mandated XXXX-day timeframe, confirming the correction of the late open account on my credit report. With this, I am asking for your assistance to correct the account : XXXX XXXXXXXX XXXX Balance Owed : {$1100.00}.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled SELF FINANCIAL/LEAD BANK Account Number : XXXX AND SELF FINANCIAL/LEAD BANK Account Number : XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because XXXX, transunion and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Product: Debt collection

I recently received an email from XXXX XXXX XXXX, notifying me that they are now the owner of a previous XXXX credit account associated with my name. However, I would like to clarify that this debt was fully paid off through the Phoenix Collection Agency and was settled for {$580.00}. The confirmation number for this settlement is XXXX, and it was associated with account number XXXX. 

Additionally, my credit report indicates that the account was marked as paid and settled for a lesser amount on XX/XX/year>. 

Given that the account has been settled and paid in full, no further collection efforts should be made regarding this XXXX credit account. Please update your records accordingly. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Summer XX/XX/2019- My Identity was Stolen to open several Cell phone accounts with : -XXXX XXXX XXXX  XXXX They paid the bill until I noticed this theft. Their accounts were canceled but they had device leases ( so they owe money on devices ) The companies do not seem to close out the accounts after I report fraud. 

They also tried to rent an apartment They also tried to open Credit Cards I have opened Police Report in XXXX, Texas. I am from & live in XXXX, TX area. 

The identity theft all seemed to be conducted in Ohio. 

I keep getting calls for collection- but I have no known open accounts. My credit is almost perfect, no past due items on my credit report. Im not sure why the collection companies believe they can call me in Texas for accounts opened elsewhere. 

They do not seem to verify the credibility of accounts they purchase and run against where the supposed accounts are located against where I live. I live in XXXX, they have my address, but they call for accounts in different states. 

In the end- there are probably more accounts open that I do not know about. But at this point my credit is frozen, and in good standing. All accounts opened outside of Texas should be a clear indicator of fraud. Especially if accounts originate from somone with my info out of XXXX, Ohio Attached is XX/XX/2019police report
Product: Checking or savings account

I participated an account-opening reward program with Citi Bank and opened both checking and saving accounts with Citi in early XXXX, XXXX. The reward is for {$500.00} total : {$100.00} cash bonus on checking account and {$400.00} bonus on saving, if certain criteria are met then the reward would be automatically deposited to my account in six weeks. 

However until XX/XX/XXXX, I still didn't receive any reward thus I reached out on Citi online bank customer service for an inquiry. XXXX from online banking assisted me and confirmed I met all the criteria for receiving the bonus. Moreover, she also assured me the cash bonus will be deposited by XX/XX/XXXX. I have also printed the conversation scripts for a record. 

Until today, I have never received such reward for {$500.00}. I have contacted online banks, tried to call customer service for a couple of time since a week ago - I was only told that a case has been opened for investigation. Beyond that, even though it has been another week and passed the deadline, no any action has been taken nor any one has contacted me for a resolution. 

I'd like to have Citi bank deposit the cash bonus to my bank account ASAP, instead of acting passively. 

Location of the Citi Bank XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX Thank you for your investigation and help!
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

When I received my XXXX 2016 Citi Diamond credit card statement, the minimum payment due was {$25.00}. Instead, I paid the {$340.00} balance IN FULL, via money order. The payment was n't posted by the XXXX/XXXX/16 due date, so I authorized a {$25.00} transfer from my savings in order to not be 'late '. XX/XX/XXXX came and went, still without that {$340.00} payment posting. Once again, I made another {$25.00} payment in order to not be 'late ' with the XX/XX/XXXX minimum. In the interim, I contacted the money order company and spent another {$15.00} to get a copy of the original money order sent to Citi Diamond, hoping to see if it had been lost or stolen. When I got the copy back, it is clearly stamped, " DEPOSITED TO CITIBANK '' on XXXX/XXXX/16. I contacted Citi and they have been no help. They are telling me their invesigation will take at least 30 days, and in the meantime, I will have to make another {$25.00} payment by XXXX/XXXX/16, so I 'm not 'late '. Now I 've paid an extra {$75.00} that is not even owed, all because they miscredited MY {$340.00} payment IN FULL back in XXXX 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these items on my credit report multiple times I have not received any verifying documentation from the XXXX credit bureaus and I have not been able to get in contact to discuss my disputes this matter have been completely frustrating and unwarranted please look into this matter immediately
Product: Credit card

I have a business called XXXX XXXX. We have started using a new merchant for Credit Card payments called XXXX XXXX solutions, they have been holding our fund {$29000.00} since XX/XX/year> as they decided to close our account due to high transactions. 
We had no problem closing our account, but now they don't want to release our remaining fund, and they are not responding to emails or enquiries. 

Seems like they don't want to work this our and release our fund. 

We need help getting our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are 2 accounts that are negative and not opened by me. The credit reporting agency, Equifax and XXXX, both stated it was verified. I submitted a letter requesting that the verification be done again and not by computer verification. This letter was received by them on XX/XX/XXXX. They did not respond and now when calling they do not acknowledge receipt and refuse to remove those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX  XXXX Balance : {$5000.00} XXXX  XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} 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

Sent check to pay off my car to Chrysler Capital XXXX XX/XX/year>. Check cleared my bank on XX/XX/year>. Waited for clear title. instead, around XX/XX/year> received " Notice of intent to Repossess ''. 
Contacted company at the phone number on the notice and explained that I had paid off the car in question. Then went to the bank to get a copy of the check only to find that it was eletroniclly deposited and they gave me a print out that showed that. I created a letter and along with the letter, I faxed a copy of the bank info and a copy of their notice to the fax number that was on the notice. Called them back to confirm they received the fax. 
Waited 48 hours and tried to contact them again only to find out that they no longer could find my account either by using the account number or the last XXXX numbers of my SSN. Before that attempted phone call, they had no trouble finding me. 
Have no idea what the status is at this time. I am worried that they are going to come in the middle of the night an try to take my car.
Product: Mortgage

Regarding New Home Loan # XXXX with Wells Fargo. Working with XXXX XXXX, XXXX XXXX and team.started on XXXX XXXX 2015. 
The worst day in my life when I approached Wells Fargo rep XXXX to help with mortgage while shopping around for XXXX other major lenders. the reason to go them was clearly stated that closing should happen in a month time. I had no-contingency offer and my earnest deposite of XXXX was at risk for my dream home purchase. 
I provided all the documents and was given confirmation that it should be easy one as I was applying for loan of XXXX % on the property price of XXXX and I had over XXXX in assets plus another rental property with XXXX in equity. 
I decided to go with WF due to promise of closing on time. To my surprise the whole month went by in asking for documents in installments. Loan team seem to be working on this first time. everytime they will ask for a " last '' document and then ask for another. Finally I had to request seller for contract extension till XX/XX/XXXX as loan did not close on time. Meanwhile I already spent money for XXXX appraisals and a credit report pull. After this I was laid off from job but got another contract job offer in a day or two so I asked loan officer if I should continue or work with seller on pulling out of deal. 
She told me that contract document is enough proof to keep ball rolling and no other document is needed. I provided with contract job offer I had.I worked with seller to extend contract for another 30 days on condition that I pay {$80.00} per day as compensation. I again asked loan officer if I should enter contract. On her positive confirmation I decided to keep ball rolling for {$80.00} a day. The loan did not close by new extended date of XX/XX/XXXX end.Meanwhile I got job offer from original employer. Now WF wanted me to extend home contract for more days and asked for offer letter. I provided these document and on assurance that no more docs needed I extended purchase contract for another 30 days till XX/XX/XXXX. 
This time I had learnt my lessons and started working with other lender. Thanks fully my loan with other lender got approved in XXXX weeks and I was able to close by end of extended date. 
In the process I incurred un-necessary expenses with no result and caused by in-efficiency of the Wells Fargo staff as follow. 
Appraisel costed XXXX $ and I had to do XXXX. 
Credit check fee XXXX $ Two month of compensation given to seller extend contract $ XXXX $ XXXXPlus lot of trips and parking expense to meet them approx XXXX $ I difinitely need to be compensated for money I spent ( over XXXX $ ) plus compensation towards mental hassle I had to go through during XX/XX/XXXX-XX/XX/XXXX for a supposedly straight forward transaction. 
ThanksXXXX, CA
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there that are inaccurate, Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an team of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Recently, I did an investigation on my credit report and found several items on there to be inaccurate XXXX XXXX XXXX inaccurate information that needs to be corrected
Product: Checking or savings account

Summary of Complaint I have been a Chase Bank customer for over 50 years. A fraudulent check was cashed out of my account for {$460.00} LAST YEAR, and Chase Bank has been completely unhelpful in rectifying this. I have actively sought their assistance since this happened in 2016 and to date, I still have not been able to get this resolved, nor my money back. I am a XXXX XXXX on a fixed income and jumping through all the hoops they are putting me through to resolve this has become a burden to me and my husband, who is now in ill health. Please help me get my money back so that I can end my relationship with Chase Bank. It is shameful that it has taken this long to get a satisfactory resolution to this case. I have attached a copy of the letter written to a local consumer advocate that details the timeline and provides more information about this case.