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

I was really caught off guard this morning when I noticed inaccurate accounts on my credit report with no explanation. I check my report regularly, and its always been fine until now, but these errors suddenly showed up. I even refreshed the page, thinking it was a glitch, but the wrong accounts remained. I need the documents I submitted to be looked at carefully so I can stop worrying about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found grave errors that your company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. Your inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) Here the accounts youre reporting with a late payment or missed payment XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX Department of education XXXX XXXX Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed. 
Pursuant of 15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Furthermore I never gave you ( Insert consumer reporting agency ) or ( Insert Creditor ) any written instructions or consent to furnish any information on my consumer report, this is a violation of 15U.S.C 1681b.

Your company will be civilly liable for negligent non compliance pursuant 15 U.S.C 1681o ( 1 ) any actual damages sustained by the consumer as a result of the failure : Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter.
Product: Debt collection

I was notified by XXXX of action on my account for a Nelnet loan disbursed to a recipient in XXXXXXXX XXXX dispersed on XX/XX/XXXX of XXXX for {$3100.00}. I contacted the company, the school XXXX XXXX XXXX XXXX XXXX. I filed a police report with XXXX XXXXXXXX XXXX  XXXX XXXX XXXX and contacted XXXX as well. In addition to this incident, I have been indentated with identity theft and fraud and scammed since XXXX. I have submitted FBI tips and I have also submitted XXXX XXXX tips. Including XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, employers email addresses and employers email, employers XXXX account used for creating account access using my name and identity. Phishing emails and messages and texts and DVR eavesdropping and cellphone hacks. XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX cyberattacking and all kinds of calls from different places. Also my taxes were filed in an attempt to set a payment for the XXXX offset by the XXXX returns and my taxes were not processed. I went to a tax service in XXXX XXXX and they wanted to charge me more than the tax return itself and more the amount for the entire thing. Very odd.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has violated my consumer rights under the FCRA 15 U.S.C 1681 by reporting inaccurate and incomplete information on my consumer report without my directly written instructions, and consent pursuant to 15 U.S. Code 1681b ( 2 ) which states that a comsumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. 
I XXXX ; XXXX the consumer never gave consent or any written instructions to Transunion to report any information on my consumer report. NO Consent is IDENTITY THEFT pursuant to 15 U.S.Code 1681c-2 consumer agency are to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft no later than 4 day after proof of receipt. The receipt is I never gave Transunion written instructions or consent to furnish any information on my consumer report. 
Pursuant to 15 U.S.Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless creditor has adopted reasonable procedures designed to ensure that each periodic statement the including information required by section 1637 of this title is mailed or delivered to the consumer not later than 21 days before due date.

I never gave Transunion or any alleged Creditor pay for Transunion SERVICES any written consent or instructions to furnish any information on my consumer report. 
These accounts are listed with late or missed payments and that is incorrect. The following accounts was NEVER late and should be listed paid or, paid as agreed. 
Account name : account number : XXXX XXXX I was never late on XXXX and XXXX of XXXX please update these accounts as paid/current. 
XXXX XXXX XXXX I was never late from XXXX to XX/XX/XXXX and I was never late from XXXX to XX/XX/XXXX please update the account as paid/current. 
XXXXXXXX XXXX  XXXX I was never late from XXXX to XXXX of XXXX and I was never late from XXXX to XXXX of XXXX please update account as paid/current These accounts have been illegally furnish inaccurately on my consumer report causing Me a financial injury and stress. By provisions of the Fair Credit Reporting Act, I demand that you update these items list above or show me concrete evidence and all documentation proving that I was late, signed under penalty and perjury in a affidavit of fact. 
Please update as I demanded any information that the creditor can not verify. 
If verified pursuant to 15 U.S.Code 1681a ( e ) which defines investigative consumer report, please give name and addresses of all friends and neighbors etc.. Who you use for this investigation with proof signed under penalty and perjury in a affidavit of fact.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes these failures align with my experience, where Experian neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

CBE group is trying to collect a debt still that has already been paid. There phone number out of XXXX Tennessee XXXX keeps harrassing me by making at least 3 phone calls a day. I have already told them that I paid them and they will not listen all they do is hang up and call back again the next day 3 times. I have already complained to the Police about theiephone harrasement and the Police have even told them to quit calling me or they could be prosecuted they have ignored the orders of the police and continue to call. 

On XXXX XXXX I called the corporate number and the person I talked to said I owed nothing to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my rights as a consumer under FCRA and Section 15 USC 1681 i did not give permissible purpose nor did I give my written consent for the accounts to be published on my report and as a consumer per federal law the accounts must be removed. The accounts to be removed are as follows
Product: Credit card or prepaid card

I have been disputing a charge with Barclays since XX/XX/XXXX. The charge was made on XX/XX/XXXX at XXXX for a hotel reservation in the amount of {$1300.00}. Unfortunately, XXXX went out of business in XX/XX/XXXX, and they instructed me to reach out to my credit card provider to receive a refund as they were not going to refund my charge. The hotel never received payment from XXXX, and my reservation was cancelled my them. Thus, I paid for a service that I never received. I submitted a dispute with Barclays on XX/XX/XXXX. I was told on XX/XX/XXXX by a woman named XXXX ( see photo of call record below ) that I would be refunded the charge. Unfortunately, for the next seven months, I did not hear anything from XXXX. I had followed up at least 15 times prior to XX/XX/XXXX without a resolution to the matter. 

In XXXX of XXXX, I received the attached letter from Barclays stating that I would receive a credit for the above amount of {$1300.00} on my next statement. Unfortunately, only {$920.00} has been credited back to me for that charge ( see attachment below for portion of XX/XX/XXXX bill ). Additionally, none of the interest related to the disputed charge has been credited back, and interest has continued to accrue since XXXX of XXXX. I had received assurances from numerous representatives from Barclays that interest would not accrue since I had filed a dispute, yet it is still has continued to accrue sixteen months later. I have called Barclays numerous times since XX/XX/XXXX as well, and I have yet to receive an adequate response as to why I was not credited back the additional {$420.00}, as well as the related interest, which is {$280.00} at this point. This has been extremely aggravating for me, as I have never missed a payment with the company, and I have paid every bill in full since I became a member in XXXX. 

I mailed a certified letter to Barclays on XX/XX/XXXX. The letter and return receipt are attached below. I still have not received a response from Barclays on this, and when I follow up with them regarding this matter, they tell me there is nothing more that they can do. 

This has been extremely aggravating for me, as I have been told by Barclays twice throughout this time that I would be made whole, as well as having my interest refunded on the outstanding charge. Nonetheless, I have not been credited back the full amount, nor have I been refunded any accrued interest related to this dispute. This has gone on for sixteen months with numerous calls on my end to Barclays, but still has not come to a fair resolution. I respectfully request the CFPB to assist with this dispute. I am happy to provide any additional information the Bureau, or Barclays, may need.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent a wire transfer to XXXX in the amount of XXXX XXXX  and I am being told that the money has not arrived to the recipient yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you as a concerned consumer and your client to bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ) and specifically Code 1681 ( I ) in relation to my credit report. It has come to my attention that the negative items on my credit report have been inaccurately updated due to a recent breach of the Consumer Financial Protection Bureau ( CFPB ).

Code 1681 ( I ) of the FCRA clearly stipulates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. It further mandates that if a consumer disputes the completeness or accuracy of any information, the agency must conduct a reasonable investigation to determine the accuracy of the disputed information within 30 days, unless the dispute is frivolous. 

I have thoroughly reviewed my credit report and have identified multiple negative items that have been updated without proper investigation or validation, resulting in misleading and inaccurate information. This erroneous update can be directly linked to the CFPB breach, which compromised the integrity and security of the information provided to credit reporting agencies such as yours. 

I am providing you with a detailed list of the inaccurately updated negative items on my credit report : [ Include a list of negative items, specifying the creditor 's name, account number ( if available ), date of update, and a brief explanation of the inaccurate information. ] I request an immediate investigation into these inaccuracies as required by Code 1681 ( I ) of the FCRA. It is essential that your agency adheres to the statutory obligations imposed by the FCRA to ensure the maximum possible accuracy of consumer reports. The inaccurate negative items resulting from the CFPB breach not only harm my creditworthiness but also violate my rights as a consumer.

I kindly request that you take the following actions : 1. Initiate an immediate investigation into the accuracy of the negative items mentioned above.

2. Provide me with a written statement confirming the initiation of the investigation within five business days.

3. Correct or remove any inaccurate negative items resulting from the CFPB breach within 30 days, as mandated by the FCRA.

4. Provide me with a copy of the updated credit report reflecting the necessary corrections and updates once the investigation is complete.

Failure to comply with the FCRA and rectify these inaccuracies will leave me no choice but to seek legal recourse, including filing a complaint with the Consumer Financial Protection Bureau and pursuing legal action to protect my rights as a consumer.

I anticipate your prompt attention to this matter and a timely resolution in accordance with the law. Please provide a written response within 15 days of receiving this letter to confirm that my concerns are being addressed. 

Thank you for your immediate attention to this serious matter. I look forward to a satisfactory resolution. 

Yours sincerely, XXXX XXXX
Product: Mortgage

We have made 3 attempts to stop Ditech from removing escrow taxes from our automated monthly mortgage payment. We have had the mortgage since XX/XX/XXXX and have always paid our own taxes. Since XX/XX/XXXX payments in the amount of {$1100.00} have been removed from my bank account and we were told that they were paid to our local town for tax payment. We have made 3 attempts to have this stopped and have received XXXX different stories from Customer Service, although all XXXX have made the statement of " we do not know why we are taking escrow from you, you are setup as a non-escrow account. '' We have spent several hours each time on the phone being passed from one department to another and no one can offer any resolution to our issue. We were told that " they will begin removing even more money from our account due to a shortage they have regarding our escrow account '', which we never had! The tax department told us " they have no idea why we are having taxes removed from our account as we are listed as a non-escrow account ''. They also informed us " they have no idea why they show them as making payment to XXXX, NH '' regarding our account. As of XXXX XXXX, XXXX, NH has no record of receiving payment from Ditech. I will notify my bank today and stop automated payments to Ditech until they research and fix this issue and I will continue to research refinancing with another mortgage company. I researched this issue and also noticed from consumer affairs.org that their are another XXXX complaints regarding ditech, which has made me contact you, so others might be able to be helped.
Product: Debt collection

I think the payments started XX/XX/2018. The amount was around {$800.00}. I was set up on a payment plan to pay medical bills. There was an option for a settlement, but I didn't have the money for it at the time. The second time i inquired about the settlement i was told that because i either inquired or was offered a settlement twice, i would no longer have that option. I think it is unfair that the option is off the table because of something i could not control.
Product: Credit card or prepaid card

I have been a credit card customer with Citibank with an ontime payment history for 35 years. I lost my card while traveling internationally on XX/XX/XXXX. I immediately reported the loss on XX/XX/XXXX and confirmed with a second phone call on XX/XX/XXXX. A payment on my account was due on XX/XX/XXXX, which I made by phone in the amount of {$450.00}, which was acknowledged by Citibank with a reference number of XXXX. On XX/XX/XXXX, I received an email from Citibank with the subject of " You Missed Your Payment Due Date ''. A late fee of {$25.00} was charged to my account, along with interest on the full balance of the account. Bank records showed my payment cleared my checking account on XX/XX/XXXX, and Citibank was in receipt of those funds. I spoke with Citibank immediately on XX/XX/XXXX regarding the missed payment notice, and again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. According to Citibank, since the lost card was closed and another one opened, they are having difficulty applying the payment to my account, even though they acknowledge that Citibank has received my ontime payment. Apparently, phone representatives can not see the payment, but supervisors can see it with some additional investigation. I have been told repeatedly that my account will be credited and will not be listed as past due, but the payment still has not been credited, and my account is now listed as 15 days past due.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original XXXX Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5100.00} Late/Closed XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9000.00} -Late/closed XXXX AUTO XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Open
Product: Money transfers

I initiated an online money transfer with MoneyGram Online services on XXXX. The money was deducted from my bank account on XXXX. But the transaction was never processed by them. The normal time to process a transaction with MoneyGram is 1 to 3 days so I called on XXXX to inquire and was passed to XXXX different people. Finally I was transferred to " MoneyGram Escalated '' department. The young lady named XXXX refused to give me her title. She told me the problem was with my financial institution. When I said there was no problem there then she said she could n't tell me. She did offer a refund in 3-10 days which I found unacceptable since they had already had my money for 13 days. When I asked for a manager they told me there was n't one. When I asked what federal agency regulated them they told me they could n't tell me. I am mostly reporting this because I find it irregular and suspicious behavior and should be noted by consumers and the regulators.
Product: Credit reporting or other personal consumer reports

In accordance with THE Fair Credit Reporting act XX/XX/XXXX Account XXXX XXXX XXXX Re Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is still reporting a balance to XXXX  on a charged-off account that was settled. The account is being reported correctly to both XXXX  and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was turned down for renting a home because of an incomplete background check. I was charged with XXXX XXXXt but was acquitted on all charges. The background check did not report I was acquitted. After disputing it with Transunion they still did not completely correct my background check information.
Product: Credit reporting or other personal consumer reports

1026.13 - Billing Error Resolution 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred. 

billing error on my credit report the payment for the car went to the treasury of that account capital one financial is not the trustee it is XXXX XXXX XXXX payment was sent to the treasury and therefore this is a billing error that continues to show up on my credit report