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

In XXXX XXXX sued me for an outstanding credit card balance of {$2500.00}. XXXX that had went to collection. Through my attorney and XXXX 's attorney a settlement was made for me to settle the account by making monthly payments of {$96.00} until the settled amount of {$1300.00} was paid. I paid {$50.00} every XXXX weeks until I made my final payment in XXXX of XXXX. I reviewed my XXXX of XXXX and noticed that the account had not been updated to reflect the current status. In fact the agreed upon settled amount was showing as the balance owed. The error is causing my credit utilization to be miscalculated. I disputed the account with the credit reporting agencies on XX/XX/XXXX. The dispute came back verified. I attempted another dispute in XX/XX/XXXX and again the dispute came back verified. Since this account was involved a legal case I believe that if XXXX and Equifax had done their due diligence in investigating my disputes. They should have received proper status from XXXX bank. As of today XX/XX/XXXX The account status remains incorrect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

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

A fraudulent personal loan was opened under my name with wrong address. I requested XXXX to delete account # XXXX with a Balance of {$20000.00} and reported it as fraud but XXXX refused to do sure, and still with the help of the Experian credit reporting XXXX they are holding me XXXX and damaging my credit report. I submitted the Identity thief report and police report to both XXXX and Experian but they refused to follow the law and still kept the incorrect information on my credit report. The fraudulent account mentioned above, was deleted from XXXX and XXXX, but Experian refused to delete the account from my file after I disputed the account more than XXXX times. Experian would do whatever it takes to have the banks use them for their business needs, and it doesn't matter who gets hurt on the way. Experian does not follow the law instead they are acting as if they are the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I tried to initiate a dispute on my TransUnion credit report. Several of My credit card balances are incorrect and their website ONLY allows ONE dispute at a time to be entered each 30 days!! This one dispute each 30 day allowance rule at TransUnion alone is violating my right to a current, accurate and fair credit reporting status. TransUnion always creates obstacles to a consumer issuing disputes and no other credit bureau prevents a consumer from issuing more than one dispute at a time- especially when they own multiple credit cards and loans. This violation of the FCRA is creating an issue with increasing my credit score and lenders will assume that my balances are up to date when they are actually 30 days or more behind. Their representatives are not based in the United States so therefore trying to explain to them in our English language about current reporting issues is defeating and useless. I have not see ANY OF my address disputes resolved either after speaking with their representatives by phone.
Product: Debt collection

UNIFI is trying to collect a debt from another debt collection agency that is past the statute of limitations. XXXX XXXX  is claiming i owe a debt to them, i am unaware of what this is. XXXX XXXX  yet to provide verifying information to attach me to this debt. This debt is also past the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I requested that a bankruptcy ( GA Fed bk ct-XXXX ) be removed from my credit file. Within five days this item was removed from my credit file and updated on my XXXX XXXX & XXXX accounts. On each report it showed that the information had been removed from Equifax ; as it had already been removed from XXXX  and XXXX  because the information was due to expire from my credit reports reports. Equifax in the past has removed a similar account voluntarily before the 10 year mark that they claim is the minimum. The other credit reporting agencies remove bankruptcy info after 7 years, therefore Equifax should be no different.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been disputing a XXXX XXXX account that has been reported to the credit bureaus as charged off and purchased by another lender. The lender who purchased the account is appearing on my credit report as well.I never communicated with the lender regarding the account. However, I was contacted by a different agency which I resolved the account for {$XXXX} on XX/XX/XXXX. The credit limit or original amount being reported is {$XXXX}. The credit report still shows the account as charge off. The lender who purchased the account has not reported an update to the account either. So. the account still appears as a outstanding debt. I have been consistently disputing the account by providing the paid letter from the different agency to confirm I have resolved the account. The investigation results always states the information is being reported accurately however it is not. I have contacted the lender who is listed as the purchaser regarding the account being resolved with a different agency and they did not update the account either. When I spoke with the reporting lender they could not provide any information regarding the XXXX XXXX account. I don ; t understand why they are reporting the account on my credit report but could not provide me with the updated account information. I would like to rectify this issue so my credit report would have accurate information listed.
Product: Credit card

On XX/XX/year> I applied for a card ( Chase United Explorer Card ), I was advised by a Chase agent that I could link the card to my XXXX XXXX and purchase tickets on the XXXX website. The agent assisted me in establishing the online account and linking the card. I attempted to buy tickets and was informed that XXXX would not accept the XXXX XXXX. After XXXX of trying to get someone to listen to me at XXXX and Chase, the tickets have now gone up in price. XXXX stated that they would not honor the original ticket price and Chase would not give me credit to honor the original flight price. I have also been advised that the hard inquiry can not be removed from my account, even if I do not activate the card. I am now stuck with a card from Chase, the customer service from both companies is appalling. The calls have been recorded by Chase and I have records of all the chat transcripts from XXXX, neither of these companies are willing to correct the misinformation that caused this issue.
Product: Credit card

I filed a dispute with Chase for a covered situation, in which I ordered goods with a guaranteed shipping date and received them after the event they were ordered for had passed, due to the vendor shipping them 5 days later than was guaranteed. Chase accepted my dispute and then two months later on XX/XX/2016 sent me a letter demanding more documentation, due by XX/XX/2016, a federal holiday. I mailed XXXX pages of documentation in the prepaid envelope provided by Chase on XX/XX/XXXX. On XX/XX/XXXX Chase without considering that a federal holiday may have delayed their preferred method of shipping ( the XXXX envelope they sent me ) closed my case and ruled in favor of the vendor without ever speaking to me or reviewing the extensive documentation I sent. After receiving their confirmation that my dispute was closed and that they had rebilled my account, I discovered they had incorrectly classified my dispute all along ; despite my written statements and discussion by phone with Chase, they had filed my dispute as " merchandise not received, '' when I had submitted the dispute under " merchandise received too late to be useful. '' I called Chase to explain this and was promised a call back from the person handling my dispute within 24-48 hours. A week later I am still waiting. 

Chase therefore : 1. Misclassified my dispute and ruled against me under false pretenses by accepting merchant 's proof of the ( late ) delivery as proof my dispute was invalid ; 2. Required me to return documentation by mail on a federal mail holiday ; 3. Closed my dispute without waiting to receive said documentation for even one full business day after said federal holiday ; 4. Promised to communicate with me by phone and did not do so ; 5. Violated their own merchant agreement by failing to honor a valid dispute due to the mishandling of this matter.
Product: Student loan

I refinanced my student loans with Earnest. Today they sent out an email that they are changing how auto payments can be scheduled. According to them : " Starting on XX/XX/XXXX, biweekly Auto Pay will not be available. '' To top it off, changes to Auto Pay now have to go through contacting customer service instead of being managed directly online.

Effectively Earnest is going to make loans harder for everyone to pay. I enjoy my biweekly auto payments because it helps me pay everything off faster.

The email reads : " Moving forward, Auto Pay can only be scheduled for the XXXX of any given monthother days will not be supported. If your current Auto Pay date falls within that range, no action is required. If it falls outside this range, please sign in to your Earnest account by XX/XX/XXXX to choose your desired payment date between the XXXX and XXXX. If your XXXX Auto Pay date is outside the supported range on XX/XX/XXXX, your payment will be automatically pushed to XX/XX/XXXX. 

After XX/XX/XXXX, changes to your Auto Pay dates must be made directly with our XXXX XXXX team, rather than through your client dashboard. Well keep you posted once you can do so through your dashboard. 
Starting on XX/XX/XXXX, biweekly Auto Pay will not be available. Any clients paying twice per month are requested to sign in to their Earnest account to select a new monthly payment schedule. If you dont do so by XX/XX/XXXX, the system will automatically select a payment date that will be at least a month after your last biweekly payment. We are exploring a number of alternative biweekly payment options between now and XX/XX/XXXX. We will update this Help Center article in the coming weeks once we have settled on a solution. 
Rest assured that the terms, conditions, and benefits of your Earnest student loan refinance have not changed, and neither has access to our team of Client Happiness experts. More details on whats changing can be found in our Help Center article here. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I was with XXXX for 5 years and have never been late. XXXX XXXX XXXX has refused to REMOVE AND stop reporting " LATES '' on my credit report. I have never been pass the grace period as u will see reflected, my payment was due on the XXXX monthly and needed to be reflected by the 10 day grace period. I was never notified of the alleged XXXX late payments for my XXXX XXXX XXXX vehicle in XXXX and XX/XX/XXXX. As you will see they were paid on XXXX and XXXX which means they were paid on time. I am asking XXXX to remove the late entries, they are taking advantage of young adults wanting to purchase homes due to not having a financial relationship with them any longer. I pulled my credit report on XX/XX/XXXX, XXXX and Equifax reporting late twice in XXXX for XXXX. I will protect my credit at ALL costs. XXXX Customer Service @ XXXXwas extremely rude and stated " We are not going to remove anything ''. I am asking we resolved this conundrum for I am trying to better myself and XXXX is prohibiting. I do not want this to happen to anyone else. Shame on XXXX ... 

Taken Advantage of, XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX Chase Card Service XXXX. XXXX  XXXX XXXX, DE XXXX Acc't Number : XXXX XXXX XXXX XXXX ( Fraudulent Charges Applied ) Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$2100.00} on my account ( XXXX for {$630.00}, XXXX for {$690.00} and XXXX for {$840.00} ) The amount is inaccurate because of fraudulent activity. I did not purchase these items or have any knowledge of these items being purchased from XXXX 's or any other seller. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Further, the XX/XX/XXXX charge of {$840.00} was in Pending cc transaction when I discovered the Fraud. I called Chase advising them of these three fraudulent charges and ask that my card be canceled. So, Chase had opportunity to stop the Pending {$840.00} charge that day. But, did nothing. 

Chase 's letter dated XX/XX/XXXX stating that these transactions are valid does not answer the more important issue of Fraud. Someone, not myself, used my name and cc number to fraudulently purchase items. Just because my card was used for fraudulent purposes does not obligate me to assume the costs. In fact, that is absurd! Chase 's investigation is less than Best Practices and inviting customer dissatisfaction. Please explain your position of these transactions are valid as it is not very clear. How did Chase come to this conclusion and based on what criteria? Further, I have opened an inquiry with XXXX 's, Incident Report Number XXXX, which could have been requested by the Chase Fraud Dept. through myself. Being proactive! On XX/XX/XXXX, XXXX 's did a preliminary search and could not locate any of these charges against my credit card ending in XXXX or last name, while, labeling them as invalid. XXXX 's has forwarded it on to their internal investigating dept. So, are these charges actually from XXXX 's. These charges are bogus. A Federal Trade Commission ( FTC ) Consumer report was issued # XXXX. A Connecticut XXXX Police incident report was issued # XXXX. 

Enclosed are copies supporting my position. Please thoroughly investigate this matter and correct the billing error as soon as possible. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX Home- XXXX Email : XXXX XXXX
Product: Credit card

The companies claimed to verify my information but discrepancies were still found. Attached are files that show the complaints/discrepancies. According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 these accounts must be deleted from my credit report
Product: Mortgage

My Mortgage was transferred to your company in XX/XX/XXXX. I made my payment to XXXX in XXXX and it was returned from them on XX/XX/XXXX. I then immediately made the XXXX and XXXX payment on XX/XX/XXXX after contacting your company. The customer service representative assured me that a late or late charge or negative credit would be reported. I learned in XXXX of XXXX that it a 30 day late shown on my credit report. 
I have contacted Shellpoint Mortgage and the agents agree that it should not have been reported as 30 day late. I have also sent the attached documents to them to support the error. I have gotten no response and this began on the XXXX of XXXX. The agents have assured me it would be removed and it is still showing on my report. I have no response from Shellpoint even after making multiple calls. 
The phone number I was given for a supervisor ( XXXX ) is XXXX the mortgage number is XXXX in the name of XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently noticed an error on my credit report regarding my student loans. The report inaccurately states that a payment was late, despite my records indicating otherwise. I have the necessary documentation to support my timely payments and plan to dispute this discrepancy with the credit reporting agency to rectify the mistake promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : U.S Bankruptcy Court account # XXXX have violated my rights. 

XXXX XXXX XXXX account # XXXX have violated my rights. 

XXXX XXXX XXXX account #

XXXX h ave violated my rights. 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Debt collection

I was just incarcerated between XXXX through XXXXi just recurved notice of a illegal utility bill that was in my name. This is damaging to me and family. This weather is going to bad for the winter and I'm worried about my status to move back to Illinois
Product: Checking or savings account

Chase closed my account and blacklisted me from being able to open an account in another bank by reporting to XXXX ( XXXX XXXX XXXX ) due to suspicious fraudulent activity which I am innocent of. I was unable to open an account in XXXX XXXX XXXX because of this. They also did not allow me to withdraw my money, and made it impossible for me to get paid since my current employer only uses direct deposit exclusively through the usage of a void check and I am unable to obtain a checking account. The fraudulent activity which is the reason why they closed my account was due to 4 transactions made on XXXX in which I was involved. These transactions were on XX/XX/XXXX for XXXX dollars, XX/XX/XXXX for XXXX dollars, XX/XX/XXXX, for XXXX dollars, and XX/XX/XXXX for XXXX dollars. My mother transferred money from my fathers XXXX account into my XXXX account which I then transferred into my Chase checking account. My parents notified around XX/XX/XXXX that the transactions were made by them and that no fraudulent activity had occurred. My bank received a notification as per XXXX XXXX fraud investigative procedure stated on their website that they will communicate to banks and institutions in order to investigate fraud. My bank then put a restriction on my account and on XX/XX/XXXX I was unable to access my account. I contacted chase twice on the phone and went to Chase bank to explain what had happened. But chase employees notified me that my account would be closed in 2 weeks and there was nothing I could do about it, refusing to give me any detailed information about what had occurred. I do not care if Chase does not allow me to have a Chase bank account. But they have ruined my credit history and I am unable to get another bank account in other bank for at least 5 years and have cause me large set backs in my income, leaving me with absolutely no money to pay my bills since they did not allow me to withdraw my funds, blacklisted me from obtaining another bank account in another bank to get my direct deposit and so I can get paid by my employer.
Product: Debt collection

Credit Systems International Keeps reporting erroneous information about me, though it has been proven that I dont and never have lived in XXXX XXXX. 
All three credit reports show a {$460.00} collection from " credit systems international '' I have NEVER had an account with them. 
Upon further investigation I find it is related to a " XXXX XXXX XXXX '' account, some type of electric utility company. 
For the past 20 years I have had only two Electric accounts ... XXXX in XXXX, which I still Have at XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XXXXXXXX XXXX 
both have always been in great standing and the highest bill I have ever had with either one has been about {$180.00} in a month. 
The Credit reporting agency refuses to fix this problem even though they did verify that I never lived in XXXXXXXX XXXX ... They were reporting that I had lived there based upon this Utility company saying I had. After verifying this info and removing the address in XXXX from my report, they still are accepting this info from Credit Systems International saying I owe for electricity in XXXX. 
I cant get any satisfaction from This Credit Systems company as they will not talk to me unless I give them my SS # ... I have nothing to do with them and I don't randomly give my SS # to any company that desires it. 
I would have been contacting these companies dealing with this, proving I never lived there ... before it even occurred if I had known, but XXXX XXXX XXXX, nor this Credit Systems international ever mailed anything to me at my address..XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, mailing address XXXX  XXXX XXXXXXXX XXXX XXXXXXXX for the past almost 20 years..and a House I own in XXXXXXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
I did receive some phone calls from a collection company which I now feel it was Credit Systems but before they would tell me what it was about, they wanted my SS # and birth date, I don't know about you but I had no dealings with them, therefore I wasn't giving my info. Those companies could have looked on the credit report that they received and used my address on the report, they are the ones who put the erroneous address on there some how. 
Why The credit reporting agencies accept addresses randomly like that is beyond my understanding, and then the consumer has to jump through hoops to get it off there. 
Please help me get this stuff off my credit record. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX XXXX XXXX ...., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I requested a refund from XXXX on XX/XX/XXXX. The funds were immediately sent back to PayPal and PayPal states they returned the funds to my XXXX XXXX XXXX debit card. Problem is, that account was closed around XX/XX/XXXX. XXXX XXXX XXXX shows no funds and stated ( multiple times on multiple calls ) that the transaction would reject and be returned to PayPal. This was not a simple debit card number change ; our account is completely closed. I was told 48-72 hours after the attempt would be when PayPal could see it. Ive called PayPal multiple times with them refusing to do anything, including trace the funds. This is for XXXX
Product: Debt collection

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. The reporting of these account is in violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] collection : XXXX XXXX XXXX