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

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I make my payment for AmX account ending # XXXX of {$700.00}. 

XXXX. In XXXX AmX refused to credit my account for the XXXX payment. I filed a complaint on XX/XX/year>, Reference Number XXXX and on XX/XX/year>, received noticed the payment was credited. 

XXXX. On XX/XX/year>, Reference Number XXXX, I had to file another complaint as my XXXX payment was not properly credit and the balance on account reduced. AmX responded that the payment was credited. However, there is still showing a balance due.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I am a natural person and not a 3rd party.I am submitting this dispute on my own behalf. 

I am a victim of XXXX. The information listed below, which appears on my credit report, is a result of that XXXX.I have attached a self-attestation form from a authorized XXXX along with identification documents. 

Capital One- # XXXX XXXX  XXXX XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX block this XXXX XXXX my credit report within four days, pursuant to section 605C of the Fair Credit Reporting Act [ 15 U.S.C. 1681c-3 ] Please send me notification via e-mail at XXXX of the actions taken, I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

UHG 1, LLC A debt collector threatens to sue me and garnish my wages. It was a credit card company sold my debt to UHG 1, LLC
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute involves a missed payment reported by XXXX XXXX to the credit bureaus for a credit card, Account XXXX XXXX XXXX XXXX XXXX This credit card account was stolen in the Fall of XXXX and used to make significant unauthorized purchases overseas. XXXX XXXX never informed me of this. The card account was also set up for automatic payments. 

After discovering the fraud, I contacted XXXX XXXX I was advised not to make any payments for the fraudulent purchases. The fraudulent purchases were reversed, and I was also advised that any resulting late fees regarding them would also be reversed. All of the fraudulent charges were reversed. I was issued a new card, and told all of the information would carry over to the new account. I have always used auto pay on all my accounts, which is why I have never missed or made a late payment. 

Despite being told auto pay would carry over to the new card, I noticed right after the due date in XXXX of XXXX that the payment did not process. I immediately made a one-time payment, and called customer service as to why it was not processed. The CSR representative acknowledged it was the fault of XXXXXXXX XXXX that the auto pay apparently did not transfer over. As part of this acknowledgment, all of the late fees and interest charges were refunded to my account, which is why my credit card account currently has a negative balance. Auto pay was then set up again. I was also assured that it would not be reported as late or missed to the credit bureaus. 

After dealing with this, I was not only surprised but angered that XXXX XXXX reported my account to the credit bureaus as having missed a payment. This caused my credit score to drop over XXXX points. 

I made a formal complaint to XXXX XXXX after filing complaints with the credit bureaus and no changes were made. XXXXXXXX XXXX then denied my request to have the late payment removed from my credit history with them, and thus with the credit bureaus.
Product: Credit card or prepaid card

was away for about a month ordered computer XXXX end never got it called XXXX XXXX several itmes no response they just keep saying they show it DELIVERED i dont have it i got home yeaterday my friend was taking in my mail no computer here please refund XXXX and get it from XXXX XXXX. thank you they dont respond when i called dispites capital one person barely spoke english hung up on me. never got XXXX computer XXXX XXXX please refund asap NEVER received perhaps delivered but i got and friend found nothing i have rights please refund
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed accounts on my credit report that where not reporting accurately. accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also want to state i have tried to get these accounts corrected with TransUnion and the credit bureau has not performed proper investigations regarding the inaccurate information on my credit file, I was never late for these accounts. My most recent dispute XX/XX/XXXX was completed on XX/XX/XXXX which I'll be providing proof that TransUnion did not perform a proper investigation under FCRA law 609 ( a ) ( 1 ) ( a ) 611 ( a ) ( 1 ) ( a ) 611 ( a ) 7 which is a major violation. I am now requesting TransUnion to investigate and provide verifiable proof with records showing I was late for these accounts. If this information can not be validated i demand these accounts be corrected to paid on time or deleted from my credit report immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX XX/XX/18 Experian has on my credit report XXXX XXXX as a debt owed and should not be showing on my credit report. 

attached is a copy that was file to the consumer financial protection bureau and a letter from XXXX XXXX as to the debt has been requested for removal and should not be showing
Product: Debt collection

I had a vehicle loan through Mariner Finance , LLC in XXXX the vehicle I had financed through them was involved and considered a total loss in an auto accident by the insurance company in late XXXX the balance of the loan was paid by the auto insurance company at the time of the accident. 

Shortly after the accident Mariner Finance claimed there was a balance of roughly {$1400.00} that was not covered by the insurance and began collection activities, when I called and spoke to someone to dispute the balance they were claiming was still open I was offered a settlement amount of nearly half of that which i declined because I knew I did not owe any further money on the loan. 

As of today XX/XX/XXXX Mariner Finance has continued to report false and inaccurate information to the 3 credit bureau 's claiming that I owe them in excess of {$3.00} dollar and each month they keep increasing the amount of the debt they claim is owed they are unable to provide any verification of the debt as this has been disputed multiple times with them and each time they try to settle for 50 % of what they are falsely claiming is owed. 

If this company continues to report this false information and continues to damage my credit I will be left with no options then to take legal action against them in court,
Product: Credit reporting or other personal consumer reports

XX/XX/year> l received multiple credit notifications about hard inquiries that I did not authorize from Bank of America, XXXX XXXX Bank, and XXXX Card Servies. These hard inquiries immediately negatively affected my credit report and credit score causing my credit score to go down.
Product: Debt collection

On XX/XX/XXXX I received a letter from American Coradius International LLC, informing me that my XXXX account was placed with their office for collection in the amount of {$440.00}. A payment plan was set up over the phone for scheduled monthly payments of {$64.00} beginning XX/XX/XXXX. These scheduled payments continued until XX/XX/XXXX. 
I place a phone call on XX/XX/XXXX to verify if amount has been paid, and if there will be a refund offered for the over-paid balance. They responded and said, " They longer had access to the account, it was sent back to XXXX XXXX and they have no record of sent payments. I still owed {$440.00}. '' To confirm this, I called XXXX to verify sent payments and the unpaid amount on the closed account, they said they haven't received any payment and I still owed them {$200.00}. Upon learning this information, I reached back out to American Coradius International LLC, they responded, " the account did not exist ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 

Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following XXXX AND XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My student loans of approx {$78000.00} were transferred from XXXX to XXXX in 2021. Instead of recognize the account was closed in 2021 at XXXX, Experian has been reporting that I have a {$78000.00} balance at both services, totaling over {$150000.00} in student loan debt. This has hampered my ability to apply for credit cards, applications which have been denied, dispute otherwise good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already filed my claim with the Attorney General confirmation is added below. I filed numerous looked over compalints with the CFPB in the last 9 monthsXXXX XXXX XXXX  and made over 26 hours of calls to these two companies. I mailed and faxed many documents supporting the Institutions even sent letter to fix these issues. 
1.I am not Deceased : I have been claimed as so by all 3 agencies now, but these two have lied and Said they don't see the status, have taken it off and resubmitted it or lied about removing it in a timely manner, haven't gave me a reason of how or why it was added ( Negligents ), have had me get denied credit due to it being added and I wasn't aware, it has locked me out of online accounts and caused my emails to change as well. I su mitted over 6x 6 letters and packets with proof and validation and they took over 22 days to even document it into the system.

2. XXXX XXXXXXXX/XXXX XXXX {$300.00} limit credit card ) and XXXX XXXX XXXX  ( account ending in XXXX XXXX XXXX XXXX ) has been OPEN and they have taken as much as 6 months from my initial complaint from calling in to change the status. A closed account, less positive history reporting, and decreasing my avaliable credit has negatively impacted my credit score and potentially caused me to not get funded. I sent proof for XXXX XXXX most recently in XXXX and XXXX XXXX XXXX Most recently in XXXX. XXXX changed the info with no issue these 2 establishments didn't even so much as put " under investigation or dispute '' until within the last 30 days when it should be done asap. They Said they would look into it and not even the CFPB made sure they did. I called SEVERAL TIMES ( please see your notes when you pull my account ) and they kept saying " it's verified as correct '' when I gave them my bank XXXX and letter ( attached ) stating clearly they warned the agencies to change the miscommunication ASAP.. 
Some of the violations BESIDES pain and suffering and time wasted which is subjective are : 15USC 1681a 2A, Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 ) ,15 U.S.C. 1681n ( a ) and more ***THESE things have caused me lost time, denied applications, and I'm unable to get a car and apartment amongst other things***
Product: Debt collection

I received a letter from capital one stating that I filed an Internet application on XX/XX/XXXX and that my account was opened on that day. I was told the last charge bill to my account was on XXXX XXXX for {$35.00}. I was then told that my account was closed and sold on XX/XX/XXXX. I do not recall ever applying for this card.
Product: Checking or savings account

I am writing to formally file a complaint against Bank of America concerning the recent closure of my debit and credit accounts without any prior explanation or justification. In early XX/XX/scrub> 2024 I received letters from Bank of America notifying me that both my debit and credit accounts were being closed. The letters did not provide a specific reason for this closure. 

In an effort to understand the situation and seek a resolution, I visited the nearest Bank of America branch. During my visit, I was informed by the bank representatives that they could not provide any further information or assistance regarding the account closures. I was told that the decision was a company-wide policy and that nothing could be done about it. 
I have been a loyal customer of Bank of America, consistently paying on time and maintaining good account practices. My credit card, which was the only credit card I used almost every day, was essential for my daily transactions. Additionally, my paycheck was directly deposited into my checking account, making the sudden closure highly disruptive. 

The unexpected closure of my accounts has not only caused significant inconvenience but has also resulted in a dramatic drop in my credit score, almost XXXX points overnight. This has severely impacted my financial stability and creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter to ensure that Bank of America is adhering to fair practices and providing adequate notice and justification for such account closures. I would appreciate any assistance you can provide in resolving this issue and in holding Bank of America accountable for their actions. 

I am not asking to recover my accounts, but I am expressing my deep disappointment with the handling of this situation, which has caused significant inconvenience. I am also requesting assistance in addressing the substantial drop in my credit score that resulted from the account closures. Any help you can provide in mitigating the impact on my credit score would be greatly appreciated. 

Debit card : XXXX XXXX XXXX XXXX Credit card : XXXX XXXX XXXX XXXX Name : XXXX XXXX
Product: Debt collection

A letter dated XX/XX/XXXXwas received from National Credit Management for delinquent account for XXXX XXXX XXXX  University. 

Two debt validation letters were sent to National Credit Management. 

Validation letters were sent via USPS Certified Mail with e-Return Receipt as of XX/XX/XXXX, debt collector has not replied to my debt validation requests and has reported the collection on all 3 credit reporting agencies.
Product: Credit card

I made an electronic payment of {$9000.00} to Chase from my XXXX bank account on XXXX. According to XXXX it was delivered to Chase on XXXX and the payment was " posted '' on XXXX. It's now XX/XX/11 and Chase is not reflecting the payment. THIS IS A REPEAT PROBLEM WHERE CHASE NEVER POSTS PAYMENTS PROMPTLY! In some situations, like this instance, by delaying the posting of my payment, the ILLEGALLY manufacture fee and interested income to themselves. The customer service department of Chase was unable to solve this. Chase should be held-accountable by the CFPB for this disgraceful and unlawful practice -- and I suggest more than a tiny slap on their financial wrist. Disclose this practice and their penalty publicly, and make the penalty big enough they stop doing it.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be 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 disputed by a consumer, an item 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, based on the results of the reinvestigation ; and li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately Account : XXXX XXXX XXXX Account XXXX This account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting or other personal consumer reports

The negative rating on my account is a source of considerable XXXX. I'm extremely apprehensive about its potential effects on my credit standing. This unfavorable mark has already led to a rejected loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional toll this adverse rating has inflicted and will continue to inflict until it's addressed.
Product: Checking or savings account

In XXXX of XXXX I purchased XXXX XXXX  XXXX and used my chime card to pay for it. As of this date of XXXX XX/XX/XXXX I still had not received my couch so I fought with XXXX to finally agree to get my money back however they kept saying they were unable to send me my money back though chime. I then contacted chime and went though the customer service which when talking to them agreed that I should get my money back and started a dispute for me. I provided proof of the merchant stating that the best course of action would be to get chime to reverse the transaction to get my money back. However, Chime and their dispute department failed to actually do anything and they simply denied my claim. I have proof of the cancellation from the merchant and confirmation that I should get a refund back. I sent all the screenshots yet again to chime and got denied again..Chime seems like isn't investigating anything or reading any of the provided evidence when claims like this are occurring which is unlawful. I have all the proof of XXXX stating my refund should be provided to me back from Chime. Please investigate Chime and their bad practices with consumers like myself, also hoping I can rectify the situation and get my money back. Thanks!