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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX Date Opened XX/XX/XXXX Hello I am not sure if I checked the correct radio button or not, however we did a voluntary repo in XXXX, the company sold the car and never sent us any documentation, we however disputed on XXXX and equifax and it was removed from equifax but still showing on XXXX and XXXX. However here is the issue this company has charged off the account and yet they have consistently being charging late fees every single month in the amt of the car payment which has now amounted to over {$20000.00} and we owed them less than this so I am really confused how we can be paying late fees on a closed account.We are really in need of help to have this removed and have this company really looked into. For both myself and my husband XXXX XXXX. Can you please help me with this. It shows closed since XX/XX/XXXX and yet they have been charging late fees every month up until XX/XX/XXXX. Charged Off XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

Open new checking account at XXXX XXXX XXXXXXXX scheduled appointment XXXX. 45 minutes dealing with XXXX and branch manager XXXX male blue suit. Then because they wont tell you option online or on phone I get an account that I will have to change, I thawed my credit for verification to open and account with XXXX and equivalent but XXXX had issues and still unresolved! Error code XXXX, mixed file? Still no resolution but reported to XXXX Today XXXX, I get letter attached from XXXX XXXX XXXX stating unable to open an account with credit score indicated. Reasons : status of relationship with inquiring bank as compared to age of the established relationship with any bank, AND NUMBER OF INQUIRIES DURING LAST 30 days. 

I have an account with routing and checking, have all copies of signed documents they hassled me over providing, and deposit slip deposited into said account. Still no debit card, waiting on usps to deliver white envelope no tracking 3-4 more business days? The account wont allow checks and is not what I wanted it asked for. Letter states contact Early Warning Systems? No contact info? I want this resolved in timely manner as this information is incorrect. I have had a bank account continuously for years and previously a mortgage paid off in 2016 with XXXX XXXX XXXXXXXX. Never late! I own my home and car and only get disability, live alone and XXXX XXXX! I expect a prompt response and resolution including a follow up letter and removal of negative reporting to all agencies immediately! Will provide an account and routing once acknowledged with XXXX XXXX XXXX on new account.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXX XXXX : - Company Name : XXXX XXXX  - Address : XXXX, MN XXXX Complaint : I am submitting this complaint to request the deletion of the one late payment reported on my credit report for the XXXX XXXX account ( Account # : XXXX ). This late payment is inaccurate and is causing harm to my credit score.

I request that the CFPB take immediate action to mandate the deletion of this late payment and update my account status to current. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

4. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.
Product: Debt collection

Experian has several items on my credit report that are not mine I have asked for them to be deleted and removed immediately.
Product: Credit reporting or other personal consumer reports

I have been have issues with my Equifax Credit Monitor, a product that is paid monthly in return for credit report analysis. I purchased this product on XX/XX/XXXX. It has served me well until XX/XX/XXXX when the product quit providing the information it had promised me. The error message said it was a temporary problem. 

Ive reached out to Equifax seeking a resolution. Apparently, they are unable or unwilling to resolve this issue. Dates I reached out : XX/XX/XXXX- I was told it would take 7-10 days to resolve the issue. On subsequent calls, I learned that my issue was not escalated on this date. In other words, my request for help was ignored XX/XX/XXXX - Once again, I was told it would be 7-10 days to resolve XX/XX/XXXX - called in. No results. Equifax didnt escalate this because they claim the call was disconnected. They did not reach out to me after the disconnection XX/XX/XXXX - I called once again. I confirmed that nothing was done despite the representative telling me it would be escalated XX/XX/XXXX - The product worked for XXXX day XX/XX/XXXX- I was told it would be resolved in 3 days. I was also told that if a changed my browser to XXXX the application would worked. I questioned this as there are millions of XXXX users. They were insistent. I tried XXXX and my product still doesnt work. 

XX/XX/XXXX- I followed up on the call from XX/XX/XXXX. I was told it would be 7-10 working days despite being told 3 days on XX/XX/XXXX In addition, my credit report is not available through XXXX. Logically, it must not be available to any creditors should I apply for credit. I have no confidence in Equifax that this will be resolved.
Product: Credit card or prepaid card

Phishing occurred : impersonating Chase bank heres the text- from XXXX ( XXXX ) XXXX on XXXX XXXX @ XXXX XXXX to me @ + ( XXXX ) XXXX CHASE BANK XXXX : We detected an unusual attempt at XXXX XXXX XXXX, NJ XXXX. If this was not you, use the secured link to verify your identity and secure your account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act First Progress Card XXXXXXXXXXXXXXXX, 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 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 As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 

15 USC 1681 s-2 Says you FIRST PROGRESS CARD are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately.
Product: Debt collection

You have no right to report this bankruptcy in my credit report! There are different date files/reports and even closing dates. This is also a discharged bankruptcy which means a fresh start but this is the reason why I can't get a fresh start because you are reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid a collection off in XX/XX/XXXX. The closed account reported a collections on XXXX of XXXX. I am trying to get this removed from my account. Please help me with this. I have reported this to XXXX XXXX and they said they did not report this, only the credit reporting agencies can change this. I reported this to experian, XXXX, and XXXX, and all 3 said it met their reporting standards even after I have called each reporting company twice to get this account removed or updated. I have filed a complaint with cfpb and this account has NOT been verified or updated. The account is XXXX XXXX. See attached documents. I would like this account removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two XXXX. An Awards ( ... XXXX ) card and a XXXX XXXX XXXX ... XXXX ) Sometime in early XXXX, before XXXX, my card ending in XXXX, that I had not used for over 5 years was paid off complete. 

Payments were being made automatically to both accounts from my XXXX XXXX XXXX Account. For some reason after the paying off my card ending in XXXX, my payments to card XXXX XXXX XXXX XXXX were being applied to my XXXX card. I discovered this error and contacted XXXX, who promised to move the credit in XXXX to XXXX and update my payment history accordingly. XXXX moved the credit to XXXX on XX/XX/XXXX, or thereabouts, but never updated my payment history as promised. As a result I immediately received a XXXX past due on my credit report, which I did not know of until recently. 

Furthermore, my card ending in XXXX had received activity that was fraudulent after the XXXX correction. I never received a statement or notification in the mail about any activity. The disputed amount was reported to the credit agencies as still past due as recently as XX/XX/XXXX, however upon notifying XXXX, their fraud department and customer service departments tell me that I have a negative {$35.00} balance XXXX credit ). 

On XX/XX/XXXX, I received two letters from XXXX XXXX attached ) stating that my credit information is correct and that I need to contact the credit agencies to let them know I'm disputing the information. 

I spoke with XXXX again, XXXX - XXXX PST on XX/XX/XXXX and was sent from department to department speaking to representatives in their fraud and customer services department only to be disconnected without resolution. 

I fear this really indicates XXXX 's lack of security protocols and their inability to have any oversight to their credit card billing and management systems. Their lack of knowledge about their own processes is grossly expressed as their representatives appear to be mouthpieces to only drive their customers to give up due to their corporate direction of not really caring about their clients concerns. I am sure that I am not the only one going through this exhaustive process to right the wrong due to their negligence. 

I hope this is enough information to start this investigation. 

I plan on re-calling them as soon as send out this statement. 

All of the above can be confirmed if XXXX releases all phone recordings and transcripts of my discussions and actions with them since XX/XX/XXXX. 

I can offer a copy of my credit report if needed. Every other creditor reports exceptional payment history except XXXX. 

Best Regards ... ... ..
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Applied for a HELOC on XXXX with a complete application including P & L, tax returns both business and personal for XXXX, proof of homeowners insurance. Was advised on XXXX that a drive by appraisal rendered a low value of $ 550k and the loan was not able to be approved due to insufficient collateral. Placed a complaint with US Bank and another agency requesting a complete walk thru appraisal. Walk thru appraisal was performed on XXXX. We are XXXX XXXX  contractors with XXXX XXXX routes and receive a weekly salary and weekly compensation from the corporation on the route, in addition to a monthly bonus. This was explained in great detail to the individuals who took the application. No questions were asked for clarification of the income until XXXX when I followed up for status on the appraised value. I assumed that the income was satisfactory since no other communication was received from the back that it was not. Only that the collateral was insufficient. I was advised XXXX that the loan was denied due to insufficient income/excessive ratios on XXXX! I was advised on XXXX that my walk thru appraisal came in at a value of $ 590K and that the income that was used to qualify me for this loan was my XXXX AGI from my 1040 's. This does n't make any sense to use income from last year when I provided YTD income. At the least an average of previous income and past income could be averaged to get a conservative figure to use for qualification purposes. For example use a 8 month average from the w/2 and P & L income with the 12 month AGi figure for the XXXX 1040 's for a 20 month average or just use current YTD P & L income along with paystub income for a 8 month average. 
My weekly salary is {$500.00} with a weekly pay from the corporation of $ 2400XXXX {$2600.00}. Us Bank used a figure of $ 6000 monthly for qualification purposes. I also receive a monthly bonus of $ 3000.I was denied and dont believe it was justified.
Product: Debt collection

I received services at XXXX XXXX in XXXX. They made several clerical errors in billing my insurance, and attempted to collect directly from me instead. My insurance company, XXXX for XXXX XXXX, XXXX XXXX XXXX investigated and confirmed that this was an error. XXXX continued to send demands in ever-changing amounts ( {$2300.00} on XXXX/XXXX/XXXX, {$1000.00} on XXXX/XXXX/XXXX ). 
Transworld Systems Inc sent a debt collection letter on XXXX/XXXX/XXXX demanding {$200.00} on behalf of XXXX. XXXX also sent a letter on XXXX/XXXX/XXXX demanding {$1000.00}. 
I never received a bill for {$200.00} from XXXX at any time. 
Transworld is attempting to collect a debt amount that I have never been asked for, and the debt it is related to was investigated by my health insurance company and found to be invalid.
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX XXXX below : A condition exists that prevents XXXX from being able to accept your request at this time. 
To obtain your XXXX annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Wife called XXXX on Saturday, XX/XX/2023 because I fade out. Once the paramedics arrived to my house they just suggested to me to take XXXX and XXXX together. They added that it was the treatment they personally take for XXXX XXXX. Then they offered to me to choose between riding with them in the ambulance or do do it myself to the nearest hospital. Due to the fact on the information provided by the paramedics was not reliable, my wife and myself said no. Paramedics left.
Product: Credit reporting or other personal consumer reports

I paid off my loan ammount and have a letter from the company and have been contacting them to update my credit report and they will not do so.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers.
Product: Checking or savings account

I was offered a position at XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/2022 as an XXXX XXXX and I proceeded to accept the position. I was then requested by my employer, as part of my employment, to receive funds into my account, then withdraw the funds and deposit them into cryptocurrency accounts. After making the deposits and completing my work assignments as requested, I did not receive my commission payments as indicated in my employment letter. After my employer defaulted on my pay, I was also no longer able to contact them. I subsequently submitted a complaint to the Texas Attorney General ( complaint number XXXX ). About XXXX  weeks after I was unable to reach my employer, I suddenly found out that my account was overdrawn in several steps of - {$XXXX}, - {$XXXX}, and - {$XXXX}. I contacted Bank of America immediately and initiated a claim. It is very clear that I did not make the withdrawals that have led to my account being overdrawn. In addition, I do not have any overdraft facility with Bank of America. Therefore, the withdrawals that led to my account being overdrawn should not have been authorized by Bank of America. They represent either negligence or a breach of Bank of America 's security and are therefore not my responsibility. I know it takes great courage for me to disclose all of this, but I just want to be able to start over from scratch. This incident has damaged my relationships with not only my parents but also other family members. I have also lost all credibility and am left with XXXX confidence. I can only hope that with your assistance, your knowledge, and your competence we may find the common ground, and a good resolution because I wish this had not happened to me or anybody I know since, for a young man, I believe there is no worse feeling than this.
Product: Checking or savings account

I have had a Bank of America checkings account for 10+ years, which I had all but forgotten about. A vendor linked to auto pay on the account tried to collect funds, when my account became overdrawn. At the time, I was out of the country when the account became overdrawn. I did not receive any notice of the overdrawn status given I was out of the US, with limited internet connectivity. I also recently moved, so any mailed notices were being sent to my incorrect address. Once I discovered the mix up ( earlier today ), I immediately called customer service to request a one time waiver of overdraft fees. I spoke with XXXX XXXX, a manager, as well as others, who all said they will waive only one of the 5 separate {$35.00} fees. Given that I had not received any notices, paying 5 separate {$35.00} overdraft fees for one vendor payment seems excessive, especially since I didnt even ask them to pay the vendor in the first place. Attached further below is a screenshot of the dates and {$35.00} fees. Any help greatly appreciated!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting

On XX/XX/XXXX I sent Experian certified letter asking them to investigate a credit item on my credit report. The item in question is an account from XXXX being reported on my file. What I asked Experian to investigate was the fact that the account was too old and obsolete to still be reported on my credit report based on the Fair Credit Reporting Act. I also included a copy of my Experian credit report from XX/XX/XXXX showing that this item was scheduled to be removed from my report on XX/XX/XXXX. On XXXX I got a letter from Experian telling me that they will not reinvestigate this item and that they already verified the information. I never asked them to investigate the age of this account before, so this is a different dispute. I feel like they never even read my letter and looked at the information I sent them. Based on FCRA and the evidence from my older Experian credit report this item needs to be investigated and removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, i authorized an amount of {$91000.00} from my savings account be sent via international wire transfer through my bank ( TD bank ), but the recipient is yet to receive the funds after three weeks. I tried to resolve this issue by submitting all documents requested, three subsequent visits to the bank and a countless phone calls but all to no avail. My question is, if there isn't any hold up as one of the reps told me yesterday, why are they holding the remittance when my family are in desperate need of it? Any help from you will be greatly appreciated. Many thanks!!!