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

American Express : I am writing to formally dispute inaccurate information reported on my credit report by American Express. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly I am disputing the validity of this debt in its entirety. The collections account in question is reported by American Express and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$1400.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Canceled by credit grantor. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from American Express, as required by FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is no record of any outstanding balance of {$1400.00} from American Express on my end. Additionally, the account shows a past-due amount of {$700.00}, which does not align with my records. The presence of this incorrect collections account and charge-off status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I had several failed transactions on XX/XX/XXXX with the same merchant. All the transactions were debited from Skrill, but an immediate refund was sent from merchant. Most of the refunds processed immediately with the exception of 3. 1 of the 3 processed the next day but the other 2 remained pending. I opened multiple cases with skrill to resolve and they refused to address my concern and closed my tickets. I finally was able to get a ticket kept open with an escalation, but it has been 19 days and I can not get any resolution. Nor is my issue being addressed. 1 transaction for {$49.00} and 1 for {$19.00}. I need this money credited back. I have provided proof from the merchant that they issued the refunds. Now the transactions have completely disappeared from my XXXX transaction history. Seems a bit fraudulent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E .These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US Dept of ED Account # XXXX, and US Dept of ED Account XXXX XXXX has violated my rights. 

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
Product: Mortgage

PNC Bank originally started my loan process in XXXX of 2018 ... after delays and more delays, I sought help from another lender who within 10 days has already approved my loan ... the problem is PNC will not release the VA appraisal, which I have paid for, through the VA portal to my new lender and we have requested they do so on numerous occasions. ( we've sent them my new lenders VA number to be able to transfer the appraisal several times too ). For the past week they have continued to lie to me stating that they have released it in the VA portal, but when my new lender checks the VA portal it is still not there. 

PLEASE HELP. I AM IN RISK OF LOSING MY EARNEST MONEY DEPOSIT AND MY NEW HOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe that an investigation was done because there is still a late payment reporting for XXXX XXXXXXXX XXXX and I was never late. I have not received anything validating that I missed a payment. I have tried to get this updated months ago and have had no response. Please explain how you're reporting a late payment when I was never late on this account. Please update this account to paid as agreed, never late.
Product: Credit card or prepaid card

On XX/XX/2019, I submitted a payoff payment of {$11000.00} to Chase for a credit card. The full balance was paid. Months later, I check my credit report to see that they have sent notice of late payment to the Credit bureaus. I look into it and see that nearly a month after payoff ( XX/XX/2019 ), they charged {$18.00} in Purchase Interest. They neglected to inform me of this via mail because I had " paperless billing '' enabled, and the email account used to send notice was not monitored. As a result that fee snowballed into {$49.00}. On XX/XX/XXXX I attempted to contact Chase via their credit team to resolve the issue. I paid the balance of {$49.00} and requested they remove the late payment from my report. They refused to do so and claim it is not possible. I know this is not true, because I've seen elsewhere online that credit companies will often do this. My payment history with Chase has been 100 % on time for many years before this. This interest charge they assessed almost a full month after payoff has caused my credit score to drop over 100 points. I am desperate to have this removed from my credit as soon as possible.
Product: Debt collection

In XXXX, ASPEN Financial Direct issued a loan to someone who stole my identity. This financial company never pulled my credit and somehow was able to issue a fraudulent loan. I have since looked them up with the XXXX XXXX XXXX and it seems they issues loans without pulling a credit report to stolen identities. Even if they would've tried to pull my credit, they wouldn't have been able to since I keep all 3 locked. 

I didn't become aware my identity had been stolen and this loan existed until the collection account appeared on my XXXX credit report in XX/XX/XXXX from XXXX XXXX XXXX. I filed a report on IDENTITYTHEFT.gov and was able to get it removed. 

Then they sold the fraudulent loan to XXXX XXXX XXXX XXXX in XX/XX/XXXX. I've spent a ridiculous amount of time fighting this with the credit bureaus. Now XXXX denied my dispute and I have to keep fighting, wasting my time, while this company gets away with stealing identities and issuing loans. This company is a scam.
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/XXXX and 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. 

-- COLLECTION ACCOUNTS 1. 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 or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 XXXX  days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card is not mine it is identity theft XXXX dollars XXXX XXXX XXXX identity theft for unknown amount and comenity bank it was opened by fraud ive spoke to all 3 agency and they refuse to help so I want those 3 item off my credit report I have no knowledge of them and they refuse to help and these companies have no proof I opened anything in an otr driver please help me
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my XXXX XXXX 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Product: Credit reporting or other personal consumer reports

XXXX management or employee working on this case need to be fired How hard is it to pick up the telephone and calls the Department of education how hard is it to get up off your tail call the department of education today I will not comply with any mail sent in the mail. I will not respond to any mail sent in the mail, the law dont require me to the law requires me to file one dispute remove all student loans I have zero student loans zero student loans what part of English do you not understand I have zero student loans Call the department of education right now
Product: Credit card or prepaid card

I have contacted Chase Bank multiple times to inquire about what my interest rate has doubled in the past year. I also requested dates for when my account was reviewed. I have A1 credit there is noway my interest should be 28 %. 

No one can explain anything and when I request a immediate review of my account the customer representative and next level management cant be of assistance either. 

They a intentionally being vague with information pertaining to my account .I want them to be transparent with my account. And I want my account to be reviewed for a lower interest rate
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 ), which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), as highlighted in the CFPBs recent administration proceedings ( 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 with necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hope this letter finds you in good health. As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service I respectfully ask for your cooperation in removing the late payments that were noted from my account history. I cherish my good relationship with the credit card company and pledge to create a more regular and timely payment schedule going forward. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps.
Product: Mortgage

I applied for a mortgage with a few lenders including XXXX XXXX at Bank of The West. XXXX reviewed my documents and said the loan was approved and was in processing. So I cancelled my application with the other lenders. Now just before closing XXXX terminated the loan based on my income, which he had already promised me was approved. I dont have enough time to find another lender so Im going to lose the house I was buying and {$10000.00} earnest money all because XXXX lied to win my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX XXXX # XXXX, XXXX Funding # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and invalid reporting of the following accounts on my credit report with XXXX and Experian. These accounts are being reported inaccurately and unfairly, causing undue harm to my credit profile : XXXX XXXX : Account Number : XXXX XXXX XXXX Account Number : XXXX Experian XXXX : Account Number : XXXX XXXX : Account XXXX : XXXX
Product: Credit card

I called Chase yesterday to resolve my account ending in XXXX. My Social Security number is XXXX. 

I was trying to negotiate a payment plan of {$50.00} per month since I am currently unemployed. However, they informed me that I need to pay a minimum of {$1000.00} to avoid a {$40.00} late fee each month. If not I dont pay the XXXX I will get hit a late fee every month untill paid. Balance will continue to grow. 

I find Chase to be a greedy company, and they seem unwilling to work with me. I am requesting help to set up a payment plan of {$50.00} per month until I can pay off the balance. When I called yesterday, I was transferred multiple times, which was frustrating and a waste of my time. 

Please help me resolve this issue. STOP THE LATE FEES!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called them and told them of my bankruptcy and they said they could not remove it. 
Az case # XXXX
Product: Debt collection

On XX/XX/year>, I received at XXXXXXXX XXXX a text message from Harris & Harris Collector. Their texted # XXXX. Their website : XXXX XXXX XXXX XXXX https : //hhcollect.co/Harris. 
Their website looked strange and there wasn't a space between Harris & Harris. In addition, I don't have any outstanding debts so I assume it was fraud and will report it.
Product: Vehicle loan or lease

I pulled my credit report on XX/XX/XXXX and found a charge off from CHRYSLER CAPITAL. Despite that this account shows as a charge off, and is closed you continue to report it as late ever month including XX/XX/XXXX. How is this possible, you are reporting this incorrectly, and this needs to be fixed. If you refuse to fix it you are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX impacted due to the Pandemic shutdown. I had some issues with my income being affected by the XXXX SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.