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

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX
Product: Debt collection

So for three years, I was XXXX and apparently somebody opened up two credit cards and each one of them was charged XXXX bucks pretty much and theyre these weird companies and Ive been appealing them contacting them because I didnt make these charges and theyve done nothing about it and its affecting my credit score And then I got a hold of them today and they wanted me to pay money for them to look at whats going on with the charges, they wanted me to put a card on file so they can tell me whats going on and to drop the charges so that just didnt make any sense And Ive been dealing with these two companies for like a year and disputing the charges. Ive also requested from them what kind of cards they were what was purchased where at? It was purchased in for video footage and locations and neither of them can provide me with anything. I just keep disputing it online and then it takes a month Process And then I have to redo it again and then they have robots talking to me. One is XXXX XXXX XXXX XXXX, the other is LVNV funding LLC these are the two credit card companies that apparently charges were made on and that I owe Ive never even heard of these companies before I hope somebody can help me out and get back to me as soon as possible. Thank you. Have a nice day. I call them and they want me to pay them to look up the money I apparently oh and give them a credit card which made no sense. Theres like some fraud something going on or something if I owe them money at the credit card company why cant they tell me the charges where theyre at when they were made even though I never made these charges, Im not understanding why they would need a card to look up the charges makes no sense. Both companies have said this. I have also filed a lease for disputes with each company and they investigate them for 30 days and then they just drop them off or they tell me to pay a little less money or something and Ive contacted them many times. Its affecting my credit.
Product: Debt collection

LVNV FUNDING LLC
C/O RESURGENT XXXX XXXX XXXX XXXX XXXX, SC XXXX  PH: XXXX
Made up account # XXXX Creditor XXXX XXXX XXXX  amount XXXX
01 XXXX $XXXX they have put both of these accounts on reports I have disputed these account through the bureaus and no result. 
 
But the problem is , they didn’t provide the documentation that proves I owe them anything . Where is the contract between their company and me ? Where is the full accounting, because I can’t just take their word for it that, I owe some company I’ve never contracted with, some made up number. Where is their license and bond for the state of Florida ?

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Product: Credit reporting

There were XXXX XXXX student loan accounts that were removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. 
( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
Product: Checking or savings account

I have been staying in hotels for the past 2 months and have had no problems with the merchants charging accordingly. A previous time, the hotel put a hold on my account which reflected in my account as a negative debt ( a charge ). I was paid by my job shortly after that so the account was brought to positive. About a week later, I was making separate purchases and transferred funds from my savings to my checking in the exact amount I needed for the purchases. Two days later, the bank charges me XXXX overdraft fees for those XXXX purchases because the hotel fee was somehow removed and charges again between the time that it was already charged and the time I made my next purchase. This also caused every future automatic payment to generate an overdraft fee. I called in at XXXX fees to which degree they said they would reverse only XXXX. I paid for my charges minus the fees they said would reverse. The next day I get another overdraft fee for another negative charge because they did not reverse their fees as promised. These fees are {$35.00} each regardless of the cost of the item. Dates are XX/XX/year> to current.
Product: Checking or savings account

On XX/XX/2022, I received a text message asking to verify a transfer of {$3500.00} from my Bank of America savings account. I did not verify this transfer and reported such through the text message. immediately after, I received a call from someone claiming to be a Bank of America employee and was told that they would assist me in reversing the supposed transfer of funds. I follow their instructions, which included " transferring the funds back into my account ''. I then received a text message asking to confirm this reversal of transfer in which I did so. the employee told me that the situation was taken care of but to " not log into my bank account for the next XXXX hours ''. I found this suspicious but thanked him and hung up the phone. From there, I logged back into my account and saw that the money was indeed transferred out of my account and was sent to a XXXX account linked to a phone number that I did not recognize. I googled a rough description of the situation and found that I was the victim of a scam that has been going on for the past few months to others within the United States. I then called Bank of America customer support and was told that this scam is XXXX that they have been made well aware of and XXXX that many customers have called to report but that there was not much that they could do since I technically did verify the transfer. The person I spoke to also told me that it was unlikely that I would be reimbursed or compensated in any way. I have been a loyal customer to Bank of America for the past XXXX years and was incredibly surprised and crushed at their lack of fraud protection for those who use their services and am now out of all of the money I had saved up so far for my child 's college tuition.
Product: Credit reporting or other personal consumer reports

Since XXXX XXXX XXXX I have sent several written responses to have all inaccurate and none authorized reporting removed from my report.
Product: Credit reporting or other personal consumer reports

[ Your Name ] XXXX XXXX Pl, XXXX XXXX Mt. XXXX, MD XXXX Date : XX/XX/year> Subject : Dispute of XXXX XXXX XXXX and Request for Removal of Charge-Offs To Whom It XXXX Concern : I am writing to formally dispute the inaccurate reporting of charge-offs on my credit report associated with my account [ Account Number ] with your institution. These charge-offs are being reported with an outstanding balance, which is incorrect and misleading. 

In 2025, your institution issued a Form XXXX for the cancellation of this debt, indicating that the debt was XXXX. Specifically, XXXX XXXX of the Form XXXX was marked with Identifiable Event Code " XXXX '' According to the IRS Instructions for Forms XXXX and XXXX, this code signifies " a discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. '' IRS.GOV The issuance of this form and the selection of XXXX " XXXX '' clearly indicate that the debt has been canceled, and as such, there should be no remaining balance reported. Continuing to report this debt with an outstanding balance is not only inaccurate but also adversely affects my creditworthiness. 

I respectfully request that you : Immediately remove the erroneous charge-offs from my credit report. 
Cease reporting any balance associated with this canceled debt to all credit reporting agencies. 
Provide written confirmation of these actions for my records. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( XXXX  ). I expect your prompt attention to this matter to correct the inaccuracies in my credit report. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

i paid my above my billed balance on my chase slate card 3 days after the due date and got assessed interest for the month. i think that this is not fair to the consumer. i have tried to contact the company and they wo n't remove the fees. i am tired of companies taking advantage of consumers. i believe that the charges should have been reversed. i have been a customer of theirs for almost 19 years. they said they never remove fees from an account. I find that hard to believe!
Product: Checking or savings account

1 ) I scheduled {$10000.00} to be transferred from my Citi savings account to XXXX XXXX XXXX   ( XXXX ) on XX/XX/2020.

2 ) SNB never received the funds and when I called Citi on XX/XX/XXXX, the agent told me that the transfer was cancelled out of concerns for fraud. Then I questioned why the {$10.00} was still deducted from my account, he informed me it should be back into my account automatically. 
3 ) On XX/XX/XXXX, still not seeing the money back into account, I called again, and the agent assured me again it should go back to my account soon. 
4 ) I urgently needed the money but still not seeing it back onXX/XX/XXXX, I had to call again. But after waiting on the phone for more than one hour, I got disconnected by the system! By the way, for the previous two calls, each time I had to wait for more than one hour before I can speak to an agent. 
5 ) Called again on XX/XX/XXXX ( this time I wrote down the agent 's name : XXXX ) -she said she would create a case and escalate this issue. 
6 ) XX/XX/XXXX, still nothing! Called again, the agent didn't see any active case in my account! But she was finally able to create a case ( investigation XXXX ). 
Again the call took me quite some time ( 2h41m on XX/XX/XXXX ). 
7 ) On XX/XX/XXXX, almost one month later, the {$10000.00} was finally put back into my account.

8 ) I have been extremely frustrated with this experience - Citi 's system glitch ( cancelled my transfer request but still took money away from my account ) was very weird, but the way the customer service was resolving this simply issue is just unbelievable! Not only I lost interest during this period of money disappearing, but much more importantly it cost me a ) more than 13 hours of time ; b ) the opportunity cost of the {$10000.00} ( I was transferring money into my brokerage account ).

9 ) I called on XX/XX/XXXX, asking if I can get any compensation on this. The agent told me that she was not able to provide any credit, even for the lost interest!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to have this issue settled several times, Ive submitted several disputes and this has not been handled properly, I will be forced to sue if my request is not listened to. This company reported that this information was provide by XXXX XXXX and was verified. Per my attachment, that is not possible due to my consumer profile being frozen. This is a direct violation of my rights! 
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX XXXX XXXX XXXX  as is reported as having a bankruptcy on my credit report : XXXX BANKRUPTCY XXXX- XXXX I am demanding that this account be Deleted. 

You're require BY LAW to report things 100 % accurate on my credit profile. How is there several late payments being reported for this account? I request your company to provide me with proof of this alleged bankruptcy. Im requesting verifiable documentary proof ( e.q., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed above. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is showing on my credit reports that Preferred Credit did a hard inquiry on XX/XX/17. An inquiry/letter was sent to the company to provide explanation for the hard inquiry. Preferred Credit responded by stating that my credit was pulled on behalf of XXXX. I have never visited XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received any services or financing from XXXX. XXXX is an unknown company.
Product: Credit reporting, credit repair services, or other personal consumer reports

NFCU charged my accounts off in XX/XX/2019 to a brocker/pllc collection company on XXXX XXXX the payments were sent to XXXX XXXX XXXX XXXX in the amount that was agreed upon to settle both accounts. 
XXXX XXXX the money orders cleared XXXX XXXX XXXX XXXX and I receive literature saying both accounts are settle and closed, also the money was being sent over to NFCU. I called NFCU the following week to receive a status on the accounts and when they will update my credit. I was advised by the rep that once they recieved the payment the information would be updated. 

XXXX XXXX updates were made to my credit not reflecting any of this information, balances are still being showed, inaccurrate information is being reported wth such wording as " paying in under partial agreement '' which is not accurate at all. the accounts are settled and closed.
Product: Credit reporting or other personal consumer reports

Description of the Disputes : Subject : Credit Report Discrepancies Victim of XXXX  XXXX  My name is XXXX XXXX, and I am writing to file a formal complaint regarding inaccurate and fraudulent information listed on my credit reports with XXXX, XXXX, and TransUnion. As a victim of XXXX XXXX, my personal and financial information was misused without my consent, leading to several inaccuracies on my credit reports. I have already submitted dispute letters to each of the credit bureaus along with an FTC report to substantiate my claim. 

Specifically, the following accounts were reported inaccurately : XXXX. XXXX XXXX XXXX Reported as charged off with a balance of {$36000.00}, which is incorrect. 
XXXX. XXXX XXXX Reported as charged off with a balance of {$180.00}, which is incorrect. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Listed as a collection account with a balance of {$3200.00}. 
XXXX. XXXX XXXX XXXX Reported as charged off with a balance of {$180.00}, which is inaccurate. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX and 60 days past due, despite being paid and closed. 
XXXX. XXXX  XXXX Listed as disputed and closed by the credit grantor, which is not accurate. 

These discrepancies are a result of my identity being used during the time I was a victim of XXXX. I have taken the necessary steps to file disputes under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which mandates that adverse information resulting from XXXX XXXX  must be blocked within four business days once proper documentation is submitted. I provided each credit bureau with an FTC report as well as details of the accounts that were incorrectly reported. 

Despite this, I am concerned that the credit reporting agencies may not act in compliance with the law. I am requesting that the CFPB assist in ensuring my rights are fully upheld under the FCRA and that the necessary corrections are made to my credit reports without delay.

I kindly ask that the CFPB intervene to ensure these inaccuracies are removed promptly and that the credit bureaus abide by their obligations under federal law. This fraudulent information continues to harm my credit standing, and I request that my complaint be prioritized given the circumstances.

Thank you for your attention to this matter.
Product: Debt collection

I made a fair and totally compensation offer to the original debtor They choose to turn over to collection. I have documentation and an credit card authorization they choose not to charge. It seems like a XXXX business decision to me. I agreed to pay the FULL amount. I WILL NOT deal with this collection agency -- -period. I do not believe they have the whole story or documentation. I want to cease and decease calling me.
Product: Credit card or prepaid card

I have a Discover card, I have a balance of {$4000.00}. I pay my monthly bill on time pay more than the minimal amount. 
Everytime I pay extra money Discover find away to take the money back. I pay over {$100.00} a month and Discover takes it all back in interests. Discover gave me a credit of {$30.00} and found away of taken that back too. 
I have tried to work with them but its not working they trying to fleece me ... I can't get ahead if they keep charging me over {$70.00} dollars in interest. 
I could have paid the balance way down if they STOP making up interest charges. I don't even used the card is the disturbing point. 
I acknowledge I owe them but I don't feel I can get a head in paying off this account if the keep. 
taken the money back as I pay off the balance. I need help with this major issue!
Product: Money transfer, virtual currency, or money service

PNC will not allow me to connect my account to the virtual transaction application XXXX. It works sometimes and not others. This is extremely frustrating and prevents important timely transactions and prevents me from accessing my money in the way I want to use it.
Product: Checking or savings account

XX/XX/2019 The last couple weeks I have noticed Chase Bank personnel deliberately acting criminal in their online work, and lying. I have been a customer 9.5 years and this last week, they tried to make me the problem and not them. I put an online transfer request in for $ XXXX for the date of XX/XX/2019, on XX/XX/2019, they emailed me saying they could not transfer, it was two days  early, I get paid on the XXXX, so it absurd, it was scheduled for today ... .. { account # XXXX } And all day today, I had to XXXX someone, and I put my correct password in all day and could not get into my online account, then I specifically took S half an hour and did it with a telephone online representative and I got a message they were not putting it through and citing me for suspicious activity ... XXXX Just an everyday account of a low income person who owes her sister money, and they will not allow the transaction, they are misusing their bank against me. There is no suspicious activity. A XXXX transaction, They are violating the terms of their XXXX contract, and mischaracterizing my account as " Suspicious '' They are refusing to do a legitimate banking transaction, online and straightforward.. Easily done and harming me as I try to pay a bill back. WRONG employees, who need to allow the transaction and not punish me, or so to speak Stop my account Perhaps they need to be reminded to do banking right for every single customer We are all equal and the same in banking law, it is looking at something intelligently instead of being a weirdo ... .... They gave me a Ref # XXXX