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

I am filing a formal complaint regarding the inaccurate reporting of my XXXX XXXX account ending in XXXX on my credit report. Despite my efforts to resolve this matter directly with XXXX, XXXX and Equifax, the reported information remains inaccurate and misleading. The issues include but are not limited to : Incorrect Balance : The credit report lists a balance of {$250.00}, which is inaccurate and does not reflect the payments I have made. Contradictory Account Status : The account is reported as Closed but also listed as Current, which is contradictory and misleading. False Dispute Resolution Remark : The report states, Dispute resolved ; reported by grantor, despite no proper resolution or documentation from XXXX  XXXX. These inaccuracies have negatively impacted my financial reputation and violate my rights under both federal and state consumer protection laws. Applicable Laws Violated : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit agencies must ensure the maximum possible accuracy of information. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a reinvestigation of disputed information within 30 days. 15 U.S.C. 1681s-2 ( b ) : Furnishers of information must correct or delete inaccurate data after receiving notice of a dispute. Fair Credit Billing Act ( FCBA ) : 15 U.S.C. 1666 : Despite repeated requests under 15 U.S.C. 1666 ( d ), the company has failed to produce essential documentation validating the accuracy of the alleged debts, including books of accounts, invoices, or transaction records. Pennsylvania Fair Credit Extension Uniformity Act ( FCEUA ) and Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL ) : 73 P.S. 2270.4 : Prohibits creditors from reporting false or misleading information. 73 P.S. 201-3 : Deems false credit reporting an unfair or deceptive practice. Attempts to Resolve : I have contacted XXXX, XXXX and Equifax to dispute this matter but received no resolution. I also contacted XXXX XXXX, which failed to provide supporting documentation or correct the errors. Harm Caused : The inaccuracies in my credit report have caused the following issues : Lowered Credit Score : Affecting my ability to obtain financing or favorable terms. Emotional Distress : The prolonged dispute process has been frustrating and stressful. Potential Financial Loss : Due to higher interest rates and limited financial opportunities.
Product: Checking or savings account

BMO Harris was running a {$200.00} sign up bonus promotion. After meeting terms, I inquired multiple times within last 120 days as to when funds will be paid. First 3 calls I was told I qualified and would be paid ( in order of phone calls ) next statement. close, 60 days, 120 days. Now, today, after 120 have passed and calling in, the bonus is somehow not to be found for my account ( yet was found first 3 times ). BMO Harris is not honoring the terms they gave me, nor the commitment made to me.
Product: Debt collection

I have filed a protest with the original creditor, XXXX and ask them for evidence to substantiate the validity of the debt and then a party who claimed to be an assignee named LVNV Funding LLC refused to send me any information to either substantiate the debt or information that they are indeed the successor in interest to the alleged debt.
Product: Debt collection

Alleged XXXXXXXX XXXX XXXX agency alleged that I owe a debt to their company. however, i didn't have any recollection of entering into any contract with them. yet I offered to settle the matter by requesting them to provide me with documentary evidence to substantiate their claim. LVNV FUNDING LLC fail to provide what was requested, but continued to report it on my Consumer report tarnishing my good name and reputation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Block and Deletion of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear XXXX Disputes Team, I am writing to formally notify you that I am a victim of identity theft, which has resulted in fraudulent accounts being opened in my name without my consent. I request that all fraudulent accounts be blocked and deleted from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( a ). 
The following accounts have been identified as fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To support my claim, I have included the following documentation : A copy of the identity theft report I filed with law enforcement agency, e.g., FTC. 
A copy of my government-issued identification for verification purposes. 
A copy of a recent utility bill to confirm my current address. 
I request that you : 1. Block all fraudulent accounts identified in this letter. 
2. Permanently delete these accounts from my credit report. 
3. Notify any creditors involved about the fraudulent nature of these accounts. 
4. Provide me with written confirmation once the fraudulent accounts have been removed. 
I expect a prompt investigation and resolution of this matter, as required by law. 
Thank you for your immediate attention to this matter. I look forward to receiving confirmation that my credit report has been corrected accordingly. 
Sincerely, XXXX XXXX Enclosures : Copy of Identity Theft Report Copy of Government-Issued ID Proof of Address
Product: Debt collection

CRA violation no knowledge of the fraudulent XXXX XXXX appeared on my Experian credit report. FTC ID Theft Report # XXXX
Product: Checking or savings account

On XX/XX/XXXX, I noticed several charges that were showing in my banking app with fifth third bank. I immediately disabled my debit card and called them. The bank was closed so I had to wait until the next day to report these charges that I did not make or in any way authorize to be made. I spoke to a bank representative who was nice and polite, and I explained that I did not make these charges. He told me not to worry and I would receive a temporary credit in the next few days while an investigation took place. The following day I went into my app to check my balance as I still had over a XXXXXXXX XXXX in my account and needed to pick up a few things for my children. I was not able to access my account, so I called the bank and was connected to the fraud department. The representative was very hostile and informed me my account was closed and I was deemed a fraud risk and I could not access my money and I would receive a check in the mail within 30 days. She also told me my claim was denied and I would not be getting my funds back. The bank made this decision within 24 hours without any investigation. The following day I went to the bank to speak to someone who could help I spoke to a manger who was doing everything he could to help me. He attempted to open a new account and move my funds but was not able too, so he called the fraud department and was told I was blocked from ever having an account with them ever again. After he hung up with the fraud department, he explained that this is common with claims that involve XXXX  app. He said that all claims were denied involving XXXX  app and I would have to fight for my funds to be returned. That same day I filed a police report and contacted a lawyer for fair shake to get advice. The electronic fund transfer act requires a financial institution to give the victim a temporary credit no longer then 10 business days from the date the theft was reported. I did not receive this credit in the time frame stated by federal law. My credit card payments i had made were returned, leaving me with fees and potentially damaging my credit, which I feel was on purpose and vindictive. Due to the bank and its fraudulent practices me and my children will face a struggle and potential eviction as my rent money is gone and were left with nothing.
Product: Debt collection

I have no idea what this {$67.00} dollar debt is? But if I owe it they need to get ahold of me
Product: Credit reporting or other personal consumer reports

XXXX, Trans Union and XXXX are reporting in accurate information on my credit report. This is a formal complaint that they are reporting in accurate and incomplete information on my credit report. The notation of the following late payments is in accurate. Please reach out and verify that all for this account is reporting accurately, including everything. Late fees and date and balances whether reported or not. XXXX XXXX XXXX. I respectfully request to be provided with proof of this alleged items specifically not proof that those payments were in fact late by the provisions of the consumer protection laws. I demanded it failed to do so liking proof of these payments being late please update my panel to late and supply a corrected credit profile to the creditors who have requested a copy of my credit report in the last XXXX months. I also request original contract payment history with the original creditor with my signature on it XXXX XXXX XXXX I am also requesting the description of the procedure used to determine the accuracy of this information. I have read that this must be provided within 15 days. Ive also read that under federal law you have 30 days to complete your investigation. XXXX XXXX XXXX XXXX understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter or you must remove the incorrect information. XXXX XXXX. A consumer reporting agency shall block the reporting of any information in the foul of a consumer that the consumer identifies as information that resulted as a large identity theft no later than XXXX business days after the date of receipt. You are in violation of this law because I am a victim of identity theft please delete these items immediately. Please send me an updated copy of my credit report at the above address. I also need any addresses and phone numbers removed off my credit report other than the address and phone number I provided. XXXX XXXX code XXXX in, also known as the Fair Credit Reporting Act Covers civil liability for willful noncompliance with consumer credit reporting agencies. It states that any person who intentionally. fails to comply with a requirement under the sub chapter in relations to a consumer is liable to that consumer. This liability includes actual damages sustained by the customer. Punitive damage as the court XXXX allow. Or cost of the action together with reasonable attorney fees. Last but definitely not least XXXX code XXXX states that we the consumers are the creditors. Thank you so much for your prompt attention time and help in this manner.
Product: Mortgage

Selene Finance and I have disagreed over the fact that I had a COVID19 extension. They have hidden the fact that that offered and issued a COVID19 extension as they are now stating that an extension never existed. 
They have not accepted my payments on the mortgage and have began a final judgement process. 
The judgement began on XX/XX/2021 and is in currently in progress. 
Presently they they are seeking final judgement in court leading to foreclosure. 
I am seeking the assistance of the CFPB to intercede in stopping this legal action of final judgement based upon Selene 's false information and unethical practices Finally, I will provide additional documentation to support my compliant.
Product: Debt collection

This alleged debt is stale dated as it occurred in 2003, and barred from further prosecution by the statute of limitations ; as well as barred from reporting by the FCRA and FDCPA. The seven years have well tolled, yet every six months XXXX University hires a new collection agency to place derogatory collections tradeline on my flawless credit bureaus. This latest schism has occurred on XXXX.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX XXXX : Account number : XXXX XXXX XXXX The account type detail has another name. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, The account type detail has another name. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, The account type detail has another name. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX XXXX XXXX, The account type detail has another name. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX : Account number : XXXX, The account type detail has another name. Can you delete this ASAP and send me and update. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to question the debt? To question my extention of credit to XXXX as a consumer and i realize i am accused of having a debt. I have not received a title for a 2019 XXXX. I was pressureed to put a down payment down for a credit transaction. My credit score has been damaged by negative inquiries from ally bank that should be removed. I have called to speak to a underwriter and was denied access.
Product: Credit reporting, credit repair services, or other personal consumer reports

cap one and XXXX inaccurate information on my credit violation of cra and hippa
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I provided Transunion with a significant volume of evidence exposing the fraudulent and unauthorized nature of the accounts tarnishing my credit file. This comprehensive submission, including a legitimate report from the Federal Trade Commission with a NOTARIZED ( FTC ), and indisputable proof of identification, should have merited the immediate removal of the nefarious account. Despite my ongoing submission of extensive documentation outlining the inaccuracies of these accounts and the impropriety of its reinstatement, the lack of reinvestigation is deeply troubling because all items are supposed to be investigated before they are added to credit report. In adherence to the Fair Credit Reporting Act, the failure to verify the debt within 30 days mandates its immediate removal. Your correspondence asserting debt " verification '' is blatantly false under the law. It is obvious that unauthorized individuals have exploited my information, and merely confirming matching data does not constitute a valid verification process. ACCOUNTS IN QUESTION : XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXXXXXX. Provide evidence they are mine, or delete them. These Accounts are Not Identifiable, and unlawfully reporting on my credit report. Transunion is unable to verify the accuracy and proof of ownership for these accounts, which constitutes a direct violation of the FCRA. Transunion 's conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that Transunion take immediate corrective action to rectify the inaccuracies in my credit report or I will pursue legal actions to recoup compensation for the damages I have suffered as a result of their actions. Attached is a certified UCC 11 information request form showing no liens or debt obligations in my name.
Product: Bank account or service

Chase Bank will not accept my payment on my safe deposit box in their XXXX Branch in XXXX XXXX, which I have submitted twice through Chase online bill pay and now are charging a late fee for nonpayment. 
The box is located in XXXX XXXX but as I now live two hours away in XXXX I have paid online twice. 

1st I sent the payment through chase online bill pay to the same address I 'd used before and where it had been accepted previously. That check was returned as they claimed they had no account. 

I next talked to customer service who directed me to send it to a 2d address and assured I would not be charged a late fee. So paid again through the chase online bill payer but to the address given by customer service but the check was again credited back to my account as not accepted. 

I called customer service again and was told to pay directly to my XXXX branch where the account was located. I Received a bill with a late fee so called that branch and was told they could not accept the payment either mailed or online as would have no way to credit it properly. 

So again I called customer service and spoke to a representative who knew nothing and then a supervisor who told me the only way to pay it was to either drive to the XXXX Branch ( which already said they would not accept the payment and would have no way to credit it ) or to an XXXX Branch in XXXX, an hour away from me. Based on my conversations with the branch this information is incorrect also and it will be a wasted trip. 

So, I now have an overdue bill and late fee and no way to pay this.
Product: Credit card

after 10 phone calls from different people notifying me that my " new credit card '' had a huge transaction and phishing for my social security number. 
calling from a bank named truist in Georgia, from ( XXXX ) XXXX and from ( XXXX ) XXXX XXXX. 
I told them, different people each time who can not transfer me to the person I talked before, talking in circle about a card I opened in Georgia which is false, - that my name was on the card so I am responsible. ( also using my maiden name which I never use for official matters??? ) - all my credit cards will be cancelled - huge transaction of illegal guns??? I checked on internet that guns are not illegal In North Carolina, just a scary tactic. 
Sincerely,
Product: Credit reporting or other personal consumer reports

Sun loans is falsely reporting account my account 30 days past due despite receiving a payment from me. Sun loans renewed an installment loan with new terms and reported the old loan as past due after payoff. The previous loan was included in a identity theft and I informed them of this. Without my consent Sun loan changed the term of a renewal loan and included the former balance in the terms, they did not provide a new contract terms, a billing statement or anything record and did not obtain my consent. AS A RESULT Sun loans is violation of the FDCPA ACT and also the Truth in Lending Act. They're creating irreparable harm and falsely reporting the entire amount past due on my credit instead of the fact I made the correct payment. I have called several times and been Given conflicting given information by XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX conducted an unauthorized credit check which was discovered and retracted from XXXX credit agencies. However it is still appearing on my Experian credit report. 

I am a student studying abroad. I am unable to send/receive US mail presently, and the Experian website is not allowing me to file an electronic dispute, perhaps because I am using a computer abroad? It 's unclear why I am unable to access the dispute form through the Experian website on my computer, which continues to generate a security error. 

Because there is no fax, telephone, or email method for filing the dispute I am at present unable to follow-up with Experian for the correction to my credit history. Please inform how this can be corrected because I am unable to proceed with information that Experian has provided on the website or by telephone contacts. 

Thank you in advance for your help. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/2023 I saw XXXX hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXX westside on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX XXXX XXXX that said he worked for the XXXX XXXXXXXX XXXX XXXX I told him I was going through XXXXXXXX XXXX my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove the XXXX XXXX XXXX XXXX from my credit report when I have notified them that this company has failed to verify this account and provide the requested XXXX form along with other documentation. Please send how you were able to verify this account or remove this from my credit report. You are the only credit bureau reporting this inaccurate information and I am liable for monetary damages if you can not provide how you are reporting this information as accurate when the company could not verify the account. Please see the attached letter that was mailed to the company over a month ago which is dated and time stamped.
Product: Debt collection

this account is not mine. Portfolio recovery A # XXXX I have retain attorney and this will be my last communication with this company.