23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My XXXX account reflects my perfect payment history on my credit report however in the comments and status section it states that the account is charged off. I have disputed this account several times with the same outcome as verified as acurate or updated. How can a account have perfect history but be be a charged off account.? Documentation has been uploaded to support my claim please review and coreect.
Product: Credit reporting, credit repair services, or other personal consumer reports

transworld systems XXXX XXXX ftc violations file number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous letters I have requested that you review the information, contained in the credit because it is not correct, but they have not given me an answer, this is not 100 % true
Product: Credit card or prepaid card

In XXXX of 2016 my XXXX XXXX account was in good standing, and there was an available credit. I was making my payments on time each month. Although I was making my payments on time each month, the payments were becoming a bit too much. I was going through a divorce and my husband left me with nothing. I called in to speak with someone as to what options I would have. I was told that I could enter into a hardship program. I was told to make a payment of {$79.00} a month for one year, and that I would not be charged any interest as long as I did this. I did exactly what I was told and made the 2st payment by the day that I was told to make the payment. After that first payment I received an email that I not only missed payment but that I had a late fee because I did not pay the minimum amount due, even though I was told to only pay {$79.00}. There was a mistake on the behalf of the credit card company. I was told not to worry about it, and to continue making the payments, and that whatever interest charges & late fees I received would be knocked off the account. Each month went by and those fees were not removed. Every time I would call and ask about it, I was told not to worry about it, and at the end of the years time, it will reflect all my payments. Well at the end of the years time, I started back receiving regular charges they were way too much for me to afford in the original charges and fees that I received after making the first {$79.00} payment was never removed. Also, the payments I had made over the year were not showing. My available credit at the end of the program was less than what it was before I started the program. When I called back after a year to ask why it was still on there and to get the situation rectified the service rep as well as the so-called manager that I was put in contact with was completely disrespectful. They laughed at me, they basically told me that there was nothing I can do when I asked what was going to be done. The guy literally told me he was not going to do anything, and that I needed to make the payments. Well now the payments are too high for me to make and it is making my credit score go down. When my husband left me I was really struggling and my credit score was down below 400.  I have worked really hard over the last year to pull my credit score up to about 635. It has now knocked down numerous points each month because of this one credit card. I feel helpless and I do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 reporting, credit repair services, or other personal consumer reports

XXXX mortgage discharged XX/XX/XXXX, XXXX sold mortgage XX/XX/XXXX to XXXX. XXXX files bankruptcy XX/XX/XXXX. XXXX reports loan discharge XX/XX/XXXX.Loan paid off XX/XX/XXXX. XXXX reports discharge XX/XX/XXXX -4 years after discharge, 6 months after 100 % payoff yo XXXX. 
Experian refuses to correct in spite of overwhelming documentation to the contrary. 
XXXX writes they have no record of loan. 
XXXXC Has no record. 
XXXX duplicates mortgage chap XXXX discharge. 
XXXX claims issue is XXXX 'S.
Product: Checking or savings account

XXXX XXXX closed my case without verifying if what they were reporting was accurate. You also did not allow me to respond. I have my dates mixed up but Wells Fargo is able to see when and where I filed a complaint concerning a XXXX XXXX. It couldve been in XXXX or XXXX of XXXX but it does exist either way. If they were attempting to be transparent they wouldve did their due diligence and checked all claims filed pertaining to XXXX. The transaction amount was actually for XXXX.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I Iogged a dispute report with Experian ( # XXXX ) to have incorrect information corrected on my credit report. I had been an authorized user on my parents XXXX card from XXXX to like XXXX and was removed as an authorized user in XXXX. XXXX sent an update to all XXXX credit bureaus in XXXX. Experian updated nothing at that time and left this credit line incorporated into my score for XXXX  years. Furthermore, I had to correct my name as Experian reversed my first and last name, and this report now only reflects my request to change my name. Experian never responded to the dispute report detail and closed the dispute without providing any reason for their illegal processing of my sensitive financial information. 

Due to some potential identity theft, I froze my credit at all XXXX bureaus. XXXX sent Experian an update on or about XX/XX/XXXX removing information regarding the credit card I was authorized to use from like XXXX to XXXX. Experian in violation of the FCRA, did not correct this information rather they automatically processed XXXX 's correction to my PII without any further investigation into the dispute. Their automatic XXXX generation system downgraded my score by XXXX points because I corrected incorrect PII on my credit report. This is only happens at Experian and not the other XXXX credit bureaus. Experian inaccurately reports my credit to my detriment and refuses to correct this information against the FCRA. 

On XX/XX/XXXX I called Experian XXXX times to correct this information because it is inaccurate and is a detriment to my credit that I have worked so hard to build. I was hung up on XXXX  and Experian has since blocked my number so I can not speak to a person. Experian refused to correct this information telling me that I can purchase their credit monitoring services or Experian boost to boost my credit score. Experian 's lack of adherence to consumer protection is XXXX  and completely out of line with other credit bureaus.
Product: Checking or savings account

I canceled a XXXX  subscription XX/XX/XXXX. XXXX is still charging me its XX/XX/XXXX. I call Chime my bank to stop all future transactions with XXXX XXXX. They keep charging and when I log in XXXX  its blank. Says cancel. Im not trying to get money back but in 20 days they are going to charge me again and I dont want that to XXXX through. Chime told me that the bank cant stopped future payments if XXXX  still has my card on file. That cant be legal. XXXX is a black screen month after month and my Chime my bank cant stop them from charging me again. I told the rep that I dont think this is legal. To have a nice day and hung up. Get the call log and hear it for yourself. XX/XX/XXXX at XXXX XXXX  pacific time.
Product: Credit reporting or other personal consumer reports

I am attempting to correct my credit report with XXXX, Experian, and XXXX. On my XXXX credit report states it states that I have an account with XXXX. I contacted XXXX to let them know that I do not have an account with XXXX because the account was transferred to XXXX. I disputed this claim and the during XXXX 's " investigation '', XXXX claimed that I do have an account with the company. In addition, it updated the account to say that I am past due. I am not past due on my student loans ; however, my payments are made to XXXX, not XXXX. 

I am attempting to buy a house and I can not have any past due student loans comments on my credit report. Furthermore, I am making my student loan payments so the information is incorrect. I called XXXX to get my account information and the representative again confirmed that my account was transferred to XXXX. Nevertheless, XXXX continues to report that I have an account with it and that payment is past due. This is negatively impacting my ability to qualify for a home. I provided XXXX with copies of the letter from XXXX and proof of payment, yet the company refuses to remove the information from my credit report. 

I also contacted XXXX to request the complete loan history from initial disbursement and transfers. I have not received this information. This information is critical to me correctly calculating my student loan payments. I personally believe the calculations are incorrect, yet I can not receive the documents from the initial Fall XXXX  disbursement. I want the full loan history including the transfer information between lenders.
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I attempted to wire transfer {$4800.00} from my bank to my coinbase account. My bank claims the transfer went through, while I received nothing on the coinbase end. I tried verifying my ID to resolve the issue, but never received email confirmation of verification. Also the link provided by coinbase for verification is invalid. When I call customer service they say that my account has an owed balance which is restricting my transaction, but when I check the balance it shows no indication of money owed. Please help me resolve this asap. Thank you.
Product: Money transfer, virtual currency, or money service

Zelle failed to look into my claims and I was told that my transactions were unfeasible and Zelle didnt offer any kind of follow up after just letting the situation stay as is. Theyve completely ignored the claims and did not help.
Product: Credit card

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Product: Mortgage

I made XX/XX/XXXX and XX/XX/XXXX payments on the Nationstar ( Mr. Cooper ) website.

The website showed XX/XX/XXXX payment was due XX/XX/XXXX and would be considered late on XX/XX/XXXX. It also showed XX/XX/XXXX payment was due XX/XX/XXXX and would be considered late XX/XX/XXXX. I made XX/XX/XXXX payment on XX/XX/XXXX and XX/XX/XXXX payment on XX/XX/XXXX. This is clearly within the dates give and not late. Please see the attached pictures of the website showing these dates. 
BUT, my payment was marked late. I was charged fees and negative statements were sent to the Credit Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXXBANKRUPTCY/DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Product: Student loan

I have asked for a student discharge application and was told they wouldnt send me one because my loan didnt apply. I asked to send me the application and then they can deny the application if thats the case. They deny me the application and refuses to send me one
Product: Credit card or prepaid card

Capital One Bank has my current balance owed as {$290.00} and the balance owed is actually owed is {$170.00}. I closed the account because they kept charging fraudulent fees to the account. My credit line was {$300.00}. When I closed the account my balance was was {$170.00}. I told Capital One Bank I would not pay on the account until they corrected balance owed to {$170.00}. I want an investigation into this Corrupt Business and I want my Balance corrected to show that I owe only {$170.00}. XXXX XXXX XXXX
Product: Credit card or prepaid card

Sent adverse action letter, Customer Identification Program ( CIP ) printout, Federal Reserve Act Section 16, a Power of Attorney ( POA ) form giving power to the agent of the principal 's account and Instructions to the CFO of American Express Credit Card Division, instructing them to extend a line of credit to the principal 's account and to respond in writing giving reasons for non performance of fiduciary duties and breach of contract if instructions are not followed. I sent these documents by certified mail on XX/XX/2023. I allowed 5 days to respond and have received nothing as of the time of sending this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are saying I opened a credit card with them in XX/XX/2022 which I HAVE NEVER HAD A XXXX ACCOUNT. They are reporting derogatory remarks on my credit report and are refusing to fix it. I dont have a XXXX account and I have not opened a credit card account in 10 years. This is not okay they are reporting incorrect information
Product: Credit reporting or other personal consumer reports

I filed a dispute on XX/XX/year> on XXXX, XXXX XXXX  XXXX  due to a problem with the company 's investigation into an existing problem. The investigation did not fix the error on my report. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report from capital one. There four in total here are the dates Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I was given a Bank of America card through unemployment and my money was stolen from it. I called the police and filed a report and called the bank the next morning. They supposedly filed a report but kept giving me the run around. I eventually gave up. Years later I want my money back but I don't have the original claim number. I have the police report and my social and everything else but they say a claim wasn't filed when I spoke to number out people about getting my money back. XXXX XXXX the operations analyst is the last person I spoke to. He says he can't help me without that initial claim number and my case will close in a couple days. Please help. I thought banks were federally insured. Thank you.
Product: Credit reporting

Hello, I have XXXX accounts and XXXX public record item appear on my credit. I brought the errors to the attention of the Equifax personnel. I received an updated credit report from them ( Equifax ) advising me that XXXX of the accounts had been deleted from my file according to my credit report dated XX/XX/2017 Confirmation Number XXXX, however i pulled a recent copy from their site and it states otherwise ... .. the accounts say they are in dispute. 

I am requesting that Equifax clear the errors and remove the false and inaccurate information from their database once the information is verified and removed from my credit it will not be re inserted. 

XXXX Account Number XXXX XXXX Credit Account Number XXXX US Bankruptcy Case or ID # XXXX
Product: Student loan

My Nelnet account number is XXXX have been trying to call Nelnet to understand my new student loan account that was transferred from My Great Lakes and they have not responded. The call wait time states that it is over 2 hours long and eventually I get hung up on. How can anyone expect someone to pay for student loans when they aren't able to ask any questions, get information regarding their loans, and understand how the interest is being accrued? This is unacceptable.
Product: Credit reporting or other personal consumer reports

Experian credit bureau has failed to provide an accurate and fair credit report under the fair credit reporting act. I have provided information proving that the counting question is improperly listed on my account. This account is a violation. The account is a collection/charger. It is listed as open is also listed with late payments. This is a violation under the FCRA. I never had an account or a contract with the company. The least the sign. Never gave written authorization for third-party company to purchase any debt. Ive also provided letters proof that I do not owe the debt and I even provided a letter from the company showing they are to remove the account from the bureau.
Product: Debt collection

I had to take my son to the hospital and he was on my insurance. I paid my portion of what i was supposed to pay and now i have a collection on my credit report. I have tried to get this to be removed but it has not been successful. Please help
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX Subject : Formal Dispute of Inaccurate Information Portfolio Recovery Associates To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information reported by XXXX XXXX XXXX on my credit report. Specifically, they are misrepresenting the date of first delinquency, providing conflicting dates across all three credit bureaus. This inconsistency is clear evidence of their failure to report accurate and uniform data as required by the Fair Credit Reporting Act ( FCRA ). 

I have documented proof that XXXX XXXX XXXX has provided different dates of first delinquency to the three credit bureaus, despite the fact that my actual date of first delinquency was XX/XX/year>. This discrepancy is misleading and suggests an unlawful attempt to re-age the account, which is a violation of federal law. 

I am also aware of the Consumer Financial Protection Bureau 's ( CFPB ) recent lawsuit against the major credit bureaus for failing to properly investigate consumer disputes. This case underscores the importance of compliance with federal regulations and the need for a human investigator to handle disputes such as minenot an automated system or artificial intelligence. 

To resolve this dispute, I demand the following : 1. A human-led investigation into XXXX XXXX XXXX reporting practices for this account. 


2. Immediate correction of the date of first delinquency to XX/XX/year> across all three credit bureaus, ensuring uniformity and compliance with the FCRA. 


3. Removal of any inaccurate or misleading information resulting from this inconsistency. 


4. Written confirmation of the results of your investigation and the corrective actions taken within 30 days of receipt of this letter, as required by the FCRA. 



If this matter is not resolved promptly, I will pursue all available legal remedies, including filing a lawsuit for willful non-compliance with the FCRA. Furthermore, I will report your failure to properly investigate this dispute to the CFPB, Federal Trade Commission ( FTC ), and other appropriate regulatory agencies. 

This is your formal notice of dispute. I expect immediate attention and a fair resolution of this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

My recently updated personal credit report still contains some unauthorized inquiries. I have already contacted the companies and requested the removal of their credit inquiries from my profile. I once again request that you initiate a removal into the inquiries listed below. Since my allegations confirmed, please remove these inquiries and send me an updated copy of my credit report to the address provided : EXPERIAN : XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -- -- -- -- -XXXX  : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. This complaint serves as a notification that if you do not remove the listed items from my report, I will be filing a lawsuit. I have informed my attorney of my intentions, and they are prepared to hold you accountable for any willful noncompliance. This is my final notice. Please remove the items resulting from incorrect reporting.
Product: Mortgage

I HAVE KINDLY ASKED LENDMARK FINANCIAL TO SEND ME THE INQUIRY DETAILS OF THEIR INQUIRY ON XX/XX/2018 but after numerous attempts I came here
Product: Checking or savings account

XXXX has my money in a segregated account, as a financial planning feature ( known as a XXXX ). Balance in this XXXX cant be used by regular checking account activities. Because of a website failure, I cant move funds to the checking account segment to use them. I called Amex, and they claim theres no way to get me the money that the bank is holding in deposit for me. 

I called XXXX at about XXXX XX/XX/2023, on a call that lasted about 24 minutes. I first spoke to XXXX. She informed me there was no supervisor available and there was no way to get me my money.
Product: Money transfer, virtual currency, or money service

This morning on XX/XX/2022 I received three phone calls from XXXX which is XXXX customer service number at 10:27 AM and 10:28 AM. When I answered the third phone call I was told that there was fraudulent activity on my business account and that someone by the name of XXXX had registered a XXXX XXXX account under my Zelle. I was told that all of my banking transactions would be put on hold and that in order to reverse this process I would have to send {$5000.00} to myself with the account that was registered under XXXX to put the money back into my account. They had also sent text messages with codes that I needed to read them.I was skeptical and questioned this process and was told by the employee that they were indeed XXXX bank and they would never jeopardize their job. I did the transfer and was told that I would get an email. Two minutes go by and The phone hangs up abruptly. I called back the number and was connected to XXXX and was told that I had been scammed. XXXX did help me with filing a report with Zelle and told me that they were going to handle talking to XXXX XXXX. I do have screenshots of the phone number that they called me from and all of the text messages that the scammer sent me for the XXXX XXXX account and the Zelle account.