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

I submitted a dispute regarding the Bankruptcy records that has been reported on my credit report. Transunion has came back stating that they have verified the information as accurate. As my previous dispute stated in a letter from the Bankruptcy Court stating that they do not provide information to credit reporting agencies. 

I need Transunion to either provide proof that they received such information from the Courts, which is noted the courts never provides such information.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. These accounts must be validated in accordance with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXBalance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my report have not been permitted by me.
Product: Debt collection

I HAVE ATTEMPTED SEVERAL TIMES TO HAVE PEN FED CREDIT UNION REMOVE MY NAME AS AUTHORIZED USER THAT I NEVER GAVE PERMISSION TO BE ADDED TO I HAVE FRAUD REPORTS ALL 3 BUREAUS AND THIS IS AFFECTING MY CREDIT AND I WANT ALL 3 BUREAUS UPDATED IMMEDIATELY AS THIS ACCOUNT IS DELETED!!!!
Product: Debt collection

Made an settlement agreement and not honoring it. Either honor it or forgive the rest. Also Please do this as well. 

They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies '' ). 

I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. 

Please note, I am not requesting a verification that you have my mailing address ; rather, I am requesting validation in the form of some competent evidence that I had some contractual obligation associated with this trade line.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX, I received free credit reports from Equifax. However, sinceXX/XX/XXXX I have not been able to access my free credit reports from Equifax. Most of these attempts were thru XXXX, although I have also tried requesting free credit reports using their phone system. Only once was I approved to receive a free credit report using phone system. Other phone requests were not processed. On-line requests made sinceXX/XX/XXXXare always denied due to security questions that do not have a correct answer. Equifax allows as an alternative, to mail copies of several sensitive documents, which I refuse to do as this is not a safe practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. 

Experian & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Convergent Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EXPERIAN was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on  XXXX / XXXX /  XXXX   I submitted in writing a dispute to Equifax stating I disputed the  XXXX   XXXX  collections reported on my file. After not hearing back after they received the letter I again reviewed my file and all it stated was validated, this is again what I put in writing to them that the word validated does not satisfy the dispute. I want to see my signatures for the balances they are reporting. I called them on  XXXX  and was advised by "  XXXX  #  XXXX , that the dispute was validated, again I asked for the validation to be sent to me and she continues to say not her issue. I advised her that I have disputed with  XXXX   XXXX   XXXX  and they never sent me any documentation.  XXXX ,  XXXX  stated that it was n't her issue, since they " VALIDATED '' it was on my file. They have since marked my entire credit report as Disputed. This is crazy why would I dispute my entire report. I need assistance on getting this corrected since they do not seem to have any rulers or regulations when reporting incorrect information.
Product: Checking or savings account

I did not sign up for overdraft protection but I was charged an overdraft fee and my account went negative. This seems like deceptive practices at best. It was an automatic car insurance payment if that makes a difference. It feels not fair and the person on customer service was not willing to help me even after I explained I did not sign up for overdraft protection. I feel cheated.
Product: Checking or savings account

i was told my account was being closed on XX/XX/2021 and a check was being mail to my home for the amount that was in the account. i want the tracking number for the check because that it a large amount just to be sending out
Product: Credit reporting or other personal consumer reports

I have over XXXX inquiries none of which I made. I
Product: Bank account or service

On Date XXXX/XXXX/2016 their was a withdrawals in the amount {$890.00} from my account this withdrawal was a fraud. their was maintenance fee and overdraft and extended overdraft and withdrawal I did n't make. this have ben going on for the history of my account. 
debit and overdraft fee someone in this bank is fraud and take money from my account. 
I would like to know how can be.
Product: Money transfer, virtual currency, or money service

I have a a unverified account from AD ASTRA RECOVERY SERVICE. I had previously disputed this account. I have never done business with AD ASTRA RECOVERY SERVICE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA RECOVERY SERVICE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA RECOVERY SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit card or prepaid card

After receiving an enticing credit card offer of " {$150.00} cash back bonus after {$500.00} of purchases within 3 months of opening credit card '', I applied for the Chase Freedom Unlimited credit card in XX/XX/XXXX and became a credit card holder on XX/XX/XXXX. <P/>I only applied for the credit card in order to receive the {$150.00} cash back bonus that was advertised on the offer I received in the mail. I used the offer letter and reference number to apply online as the letter described to do. <P/>Once accepted, I received my card and made over {$500.00} in purchases within the first 3 months of becoming a cardholder. The offer stated that after making the {$500.00} in purchases within 3 months, that I could expect to receive my {$150.00} cash back bonus within 6-8 weeks, in the form of bonus points. <P/>I called today because I qualified for the {$150.00} offer on XX/XX/XXXX ( which is 90 days after becoming a cardholder ) and the letter states to expect the reward within 6-8 weeks of qualifying, which would have meant I should have received the bonus by XX/XX/XXXX, at the latest. <P/>When I called today, I spoke to someone and explained everything and then I was told that " they do not see a bonus offered to me '' anymore. I was furious and asked to speak to a manager. I was transferred to account supervisor, XXXX from XXXX XXXX, TX ( Reference : XX/XX/XXXX ). She was so unhelpful and not empathetic or understanding, at all. She had no intention to truly hear me out or make Chase 's  wrongdoings right. She just kept telling me the same thing ... that she " does n't see the offer anymore and that it has been 90 days so she ca n't help me at all and no one else can ''. <P/>I just felt so taken advantage of and scammed. I did everything by the book from the moment I received the letter in the mail. I went online and researched and saw the offer was true according to Chase website, so I applied using the offer letter sent to me. Then, I spent over {$500.00} within 3 months, and finally, I waited 6-8 weeks to receive my bonus. But, ultimately, I never was given what I rightfully earned and what was physically presented and offered to me. I even asked XXXX, " what could I have done differently to received what was offered to me ''. She did n't even have an answer because I followed all the fine print word for word. <P/>I am very upset and feel helpless. I was hoping that speaking to a Chase supervisor would help but it ended up being more disheartening to hear a supervisor tell me " there 's nothing I or anyone else can do '' to correct this. I wanted to cry, really ... <P/>Can you please help me? The supervisor even told me that they have records of the original offer letter sent to me. I just do n't understand how they can do this .... <P/>Thank you for reading and for any help with this situation.
Product: Payday loan, title loan, or personal loan

I have already talked to the company havent fixed anything after doing this fix and told my car was fully operational completely broke down and caused me a accident had to get rid of the car and was never fixed
Product: Money transfer, virtual currency, or money service

My XXXX  transfer from XXXX in the amount of USD XXXX from my account XXXX in XXXX XXXX  to account XXXX in Citi Bank XXXX XXXX has been rejected. Its been sent back to a correspondent bank CITI Bank NA and it is being held there for over 10 months now undeclared, not reported to XXXX as blocked and not accounted for to the remitting bank which makes it impossible for me to apply for XXXX license. It is now over 10 months that I am not receiving any information with regards to my funds. Even to track the funds I had to get multiple XXXX and reports from remitting bank to figure out the location, as CITI bank NA would not communicate to any of the involve parties ignoring all and any inquiry. They keep my funds unlawfully for over 10 months.
Product: Credit card or prepaid card

On XX/XX/22 I authorized Macy to debit my XXXX checking account to deduct XXXX for my Macy platinum card to make payment for a special 24 month special events purchase. I did not receive a statement through the mail and is due each month on the XXXX. XXXXXXXX XXXX checked with XXXX and they stated Macy had not debited my XXXX  account. I was on the phone for it seemed an hour and was transferred 3 times and put on hold a 4 th time to be transferred once again in which the special services rep said their is a credit issue in which he would transfer me to the credit department. I agreed to be transferred but I was disconnected on purpose. My credit score is XXXX and I do not this blunder by Macy to effect it. Furthermore, I will now be charged a late fee and to also Macy charged {$5.00} to make a phone payment which is unheard of. Please help by texting or by phone as to what I can do to or how you can help me to correct this matter before it rolls into a huge credit issue for me. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX, XXXX made a purchase at Pottery Barn for {$1400.00} under a " 12 month interest free plan '' through my Pottery Barn Capital One Credit card with a promotional expiration date : XX/XX/XXXX XXXX, XXXX, XXXX made payments ( {$120.00} each ) to Pottery Barn Capital One Credit Card XX/XX/XXXX, XXXX a freud charge of {$2100.00} was made on my card. I immediately reported the charge to Capital One and Pottery Barn as it was for Pottery barn merchandise. 

XX/XX/XXXX, XXXX received a letter from Capital One indicating investigation was complete. They credited me for the amount that was charged in freud. 

XX/XX/XXXX, XXXX noticed on my newest Capital One Statement that I was charged interest ( {$22.00} ) on my promotional balance. Also noticed on this statement I was no longer under the Promotional Credit Plan. 

XX/XX/XXXX, XXXX Called Capital One, XXXX to report that I should still have the remaining balance under the promotional plan until XX/XX/XXXX. I was told by XXXX that on XX/XX/XXXX the promotional balance ended because Capital One provided me with a credit. I explained the credit was for the freud charges, not the amount I still owed. He said there was nothing he could do and that I would be charged interest on the remaining balance ( {$730.00} ). I asked to speak with a supervisor and spoke with XXXX. He offered to waive the interest for this month but couldn't explain why I was no longer on the promotional credit plan, as he verified with Pottery Barn the plan should be through XX/XX/XXXX. Once he waives the interest my true balance is {$700.00}, however because XXXX was unable to " reinstate '' the promotional plan, I will continue to be charged interest, or call back to Capital One every month to argue with them ( because it was an hour long argument to get this month 's interest waived ) to waive the interest that I am contractually obligated to have waived through XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Venmo Help You have a new message from Venmo regarding request XXXX  XXXX. To respond, simply reply to this email. 

Hello XXXX XXXX, We initiated a trace regarding your withdrawal of {$500.00} initiated on XX/XX/XXXX. Our records confirm the funds were posted to your account ending in XXXX. Please contact your bank 's ACH Department to find the date the funds were credited to your bank account balance. Please provide the following trace number to your bank 's ACH department : XXXX. 

As of today the money has not been transferred. XXXX
Product: Mortgage

In [ Case number :  XXXX  ], Ba nk of American stated  in writing in  XXXX    XXXX   that I could request cancellation of my PMI at a  LTV ra tio of 80 % or below after  XXXX    XXXX  . I have contacted them to schedule my home appraisal for  XXXX    XXXX  , but Bank of America is now saying in their letter to me that  the LTV ratio i s now 75 % ratio instead of 80 %. I have called and written to the managers, but they want to hold on to the 75 %  LTV ratio, which contradicts their official written response in [ Case number :   XXXX  ]. See their response below : " ... .you  may request the cancellation of PMI when the LTV is at or below 80 percent of the original value of the property, or when the loan reaches the two year anniversar y in  XXXX  of   XXXX   ... '' Thanks.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block 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 : RENEWAL BY A XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was in forbearance through the CARES act back in XXXX. 
I entered a loan modification process with Nova XXXX XXXX / Nova XXXX back in XX/XX/XXXX. 
Made my XXXX trial payments XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. 
I submitted my notarized loan modification paperwork in XX/XX/XXXX. 
Monthly payments have been each month since XX/XX/XXXX- XX/XX/XXXX. 
I received " delinquency '' credit reporting from the 3 main credit bureaus - my credit report stated " XXXX days late '' - This information was inaccurate. 
I started investigating directly with my mortgage company the reasons this information was reported if it was not accurate. 
I was never later before or after entering the forbearance program. 
After several months from XX/XX/XXXX through XX/XX/XXXX attempting to fix this wrongful information reported to my credit. I had to contact XXXX  XXXX  in XX/XX/XXXX, the investor to for my loan. 
Fannie Mae contacted Nova Serving regarding this issue. It was until then that Nova Servicing started acting to try and assist. 
I ended my forbearance with Nova Servicing since back in XX/XX/XXXX ( after completing my 3 trial payments, submitting the final loan modification paperwork, and continue making my monthly payments up until XX/XX/XXXX ). 
I came to find out recently about 2-weeks ago that Nova Servicing had sent me the incorrect loan modification paperwork back in XXXX XXXX and that was the reason my loan modification process was on hold. 
I have been back and forth with the Nova Servicing center - because they originally made a mistake and 1st - reported 120+ day delinquency to the credit bureaus- and 2nd about 1 week ago reported my account as being in " forbearance '' - these 2 scenarios are not correct. 
I was reading about mortgage forbearance - in my situation my mortgage loan should not be reported as " account under forbearance '' since I have been making monthly payments since XX/XX/XXXX - Nova Servicing made mistake in their process, therefore, I do not think is reasonable that this servicing center made a mistake in their end, but yet they are affecting me tremendously by noting comments in my credit report that are not accurate. 
As of today XX/XX/XXXX - Nova Servicing is noting my credit report as " mortgage loan '' being on " forbearance '' - however, I have made several attempts to get this remove from my credit reporting as it is preventing me from refinancing and obtaining a new loan. Nova Servicing has admitted that they made a mistake by, reporting wrongful credit information and for sending me the incorrect loan modification paperwork.

I have made several attempts by email and phone message and have not received an answer as of today. Please help with this situation as it is affecting my quality of life.
Product: Credit reporting or other personal consumer reports

I am writing to report a dispute regarding inaccurate information on my credit report, which I initially brought to TransUnion 's attention on XX/XX/XXXX. To date, I have not received a response from TransUnion regarding this matter. The inaccurate information pertains to the following account : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the inaccurate reporting status on my PNC Bank account, which is negatively affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misleading and are having a significantly adverse impact on my creditworthiness. I want to emphasize that the account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is crucial for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of my PNC Bank account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off. I really do appreciate your attention to this matter and look forward to a timely resolution. Thank you for your prompt action in resolving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

A 30 day late showed up on my credit report for a credit card I applied in XX/XX/2021 I never got the card or approval. I contacted the credit agency and the credit card company " XXXX XXXX '' telling them that I never got approved, never received a card or statement or email or phone call, so I didn't know I need to make a payment. To please remove this late charge from my account. I filed a dispute, provided documentation and nothing. I contacted XXXX XXXX they only accept email and can not communicate. It appears that they opened an account didn't tell me and then charged me a {$25.00} fee, a late charge and a 30 day late notice on my credit report. The agencies are aware but will not do anything. I paid the {$30.00} that was there, but now I don't know what to do about the 30 day late. My score went down XXXX  points and this has caused damage to my family as we were financing our home and now we can't.