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

I am a Service XXXX XXXX XXXX XXXX  Veteran disputing the accuracy of the information reported by XXXX regarding the Capital One account ( # XXXX ). Your investigation concluded that the information was verified as accurate and notified by letter dated XX/XX/year>, but I strongly contest this finding. The account is reported as Charged Off with a balance of {$6100.00}, a credit limit of {$5000.00}, and a maximum delinquency of 120 days in XX/XX/year> and XX/XX/year>. This reporting is inaccurate and misleading, significantly misrepresenting my financial status. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, XXXX is required to conduct a reasonable investigation into disputed information. I believe that the investigation into this account was not thorough and that critical inaccuracies remain. Additionally, the reporting of delinquency and charge-off status, particularly the high balance exceeding the credit limit, raises concerns about the potential re-aging of debt, which would violate 15 U.S.C. 1681c. This erroneous information is unfairly damaging my credit and causing significant financial harm. I demand a comprehensive reinvestigation of this account, including direct verification with Capital One. If the information can not be conclusively validated with documented evidence, it must be removed from my credit report. XXXX has a legal obligation to ensure the accuracy of the information it reports, and I expect immediate action to correct these inaccuracies. Failure to properly address this dispute will result in further action.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT BALANCE WITH XXXX XXXX XXXX IS INCORRECT. MY BALANCE IS XXXX ( XXXX ). XXXX XXXX XXXX  NEEDS TO UPDATE MY INFORMATION CORRECTLY. THE BALANCE IS XXXX ( XXXX ) FOR THE ACCOUNT ENDING IN XXXX AND ACCOINT ENDING IN XXXX.
Product: Credit card or prepaid card

XXXXXXXX XXXX card is falsely printing the payment due time and charging a XXXX $ late fee. When my wife pointed this out to the payment department they offered a XXXX $ credit. This is a scam, they know it and refuse to remit the fees they have fraudulently stolen. Comenity ultimate rewards XXXX. We are paying online on the due date. The XXXX et is the delinquent time for mailed payment per Company billing instructions
Product: Mortgage

My mortgage payments are in a post suspense balance as per poc/ as per pcn. My mortgage payments are not being applied to the loan. I have paid a partial payment a few times but I am current on my payment.
Product: Student loan

In XX/XX/XXXX, I was notified by XXXX that I had adverse credit reporting by XXXX XXXX. I contacted XXXX XXXX and found out the my loan was 120 days late. I had not received any notification from XXXX XXXX  concerning this. I immediately remedied the past due amount and made timely payments for a couple of months. I also filed a dispute concerning their reporting due to the fact that I was never notified by XXXX XXXX. I was denied any remedy to my credit report. I again contacted XXXX XXXX on XX/XX/XXXX regarding my dispute with their credit reporting and the fact that I was never contacted. I was informed that their records indicate that I had been notified by letter and by phone calls. I have never received any letters nor phone calls from XXXX XXXX. I believe that someone within their organization has falsified their records. I have always had a high credit rating. This action by XXXX XXXX has ruined by credit. I have always paid my debts in a timely manner. XXXX XXXX   refuses to make any changes to their credit reporting. I was never contacted by XXXX XXXX. I am the one who contacted them.
Product: Student loan

I was notified in late XXXX for the first time that my loan servicing was transferred from XXXX to XXXX XXXX back in XXXX. I did not ask for my loan to be transferred, nor was I notified in advance of the transfer, nor did I approve the transfer. 

I keep receiving notifications from XXXX XXXX that I missed student loan payments. In fact, I have not missed a single payment at any point in my student loan. I made payments on XX/XX/XXXX and XX/XX/XXXX to XXXX and they were paid as always prior to the actual due date, and both payments were made before I was notified of the loan servicing transfer. 

I called XXXX upon receipt of the missed payment notice in late XXXX and was told that XXXX would be transferring my payments to XXXX so to just wait for it to process. I received a letter in XXXX from XXXX dated back to XX/XX/XXXX that my payments had been transferred to the new servicer XXXX. 

I continue to receive harassing letters from XXXX saying they are going to report my missed payments on my credit report. 

XXXX and XXXX need to coordinate between each other to transfer payments. 

I mailed proof of payment to XXXX and XXXX on XX/XX/XXXX, for payments made XX/XX/XXXX and XX/XX/XXXX to XXXX, and XX/XX/XXXX to XXXX. 

XXXX needs to ensure that there are no negative marks on my credit, as this is not my error. XXXX needs to cease in sending me harassing and threatening communications.
Product: Credit reporting

XXXX reported a hard inquiry to Experian Credit Bureau on XXXX/XXXX/2015, without my knowledge.
Product: Debt collection

The creditor Midland Funding LLC hired XXXX XXXX XXXX XXXX over some debt they say they brought from someone. They went in front of a judge and got a court ordered payment. I 'm not sure what the debt is or if it 's the correct amount. I was working a part time job of maybe 15 hours a week barely making rent. I could n't afford an attorney and was n't sure how to even fight back. I finally got another job, better pay with the city of XXXX. They then got a garnishment. I saved up the money I could and quickly paid the amount plus a little extra at their behest of a release. I 'm not even sure if anything can be done but I wanted to let someone know. I do n't know Midland Funding LLC and I 'm not sure how I even ended up owing them when I 've never had any type of dealings with these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous phone calls, emails as well as certified mail sent to innovis, they refuse to remove fraudulent info off my report. Innovis also removed a XXXX XXXX XXXX account that was open and remained positive which I never disputed.ACCOUNT ENDING XXXXOPEN 2007!!!!! Why is innovis purposely trying to sabotage my credit report? 


all XXXX XXXX accounts are considered closed via innovis with charge off - all XXXX XXXX accounts open and positive and no positive reporting is reported XXXX XXXX  is open and positive, yet innovis reporting closed and negative with no positive months XXXX XXXX XXXX is being reported on legitimate credit report agencies as paid in good standing WITH ALL MONTHS REPORTED POSITIVE AND INNOVIS IS NOT I NEVER OPENED XXXX XXXX IT IS FRAUD XXXX IS NOT LATE FULLY PAID XXXX XXXX XXXX IS FRAUD NEVER MAINTAINED ACCOUNT I DO NOT USE XXXX XXXX IT IS FRAUD REMOVE XXXX XXXX XXXX is being reported I don't care if it says requests I can only see I HAVE A XXXX XXXX AND U R LETTING XXXX XXXX ALONG WITH XXXX XXXX   REMOVE IT XXXX XXXX Report # XXXX And XXXX Social sec XXXX - XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is regarding numerous letters mailed and faxes to XXXX, XXXX, and Experian Credit Bureaus since XX/XX/XXXX, I have kept documentations on when letters have been mailed and when they have been received by XXXX In these letters I disputed very old accounts that contain concerning information which is not correct and it is affecting my credit report and score. I disputed the accuracy of account # XXXX from XXXX XXXX  and the three accounts with XXXX XXXX accounts #  XXXX. 

These items are in violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ), I have never owed this company and wrote XXXX, XXXX, and Experian about its accuracy and why it is appearing on my credit report. I have not heard anything from them and asking for proof to show which has been continually ignored and not provided. I have also repeatedly asked for evidence to support there reporting and their method of verification and they have failed to comply accordingly.
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. Account name :XX/XX/XXXX Account Number XXXX, XX/XX/XXXXAccount Number XXXX, Account name XXXX Account Number XXXX, Account name : XXXX Account Number XXXX, Account Name XXXXXX/XX/XXXX Account Number XXXX, Account Name XXXXXX/XX/XXXXAccount Number XXXX, Account name XXXX Account Number XXXX, Account Name XXXX XXXXXX/XX/XXXX ( Original Creditor : XX/XX/XXXX) Account Number XXXX, Account Name XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX, Account Name XX/XX/XXXXAccount Number XXXX, Account Name XX/XX/XXXX Account number XXXX, Account Name XX/XX/XXXXAccount Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XX/XX/XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

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

Items that need attention : XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed {$2000.00} - Charge off XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00} - Collection
Product: Credit reporting or other personal consumer reports

I review my credit report and found this inquiry from XXXX XXXX and this is not made by me, inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Payday loan

I had signed up for a loan through Big Picture Loans. I kept getting mail from them saying I was pre-approved for a loan up to XXXX $ then it was {$800.00}. I had applied online and was approved for XXXX XXXX I had signed up for the call in and make a payment option. I never authorized them to EVER withdraw money from my account. They never disclosed to my wife and me that the APR was 909.9999 %. The company had told me that it was a one-year loan with a payment of XXXX $ a month. I looked more into it and they were charging me XXXX $ a month for a payment then {$350.00} a month finance charge. They were charging me {$8900.00} for a finance charge, which they NEVER DISCLOSED to me. They then are charging me a total of {$9900.00}. They told me again that this loan was only a XXXX loan. On the Documents, they say my last payment is XXXX/XXXX/XXXX which is a two-year loan. I had called them and told them they were breaking the law and told them they need to bring it down to 20 % APR and they said we will not do that. They wrote a FRAUDULENT CHECK. They wrote a check on XXXX XXXX XXXX and then processed it on XXXX XXXX and then when it got sent back they tried again on the XXXX of XXXX. I had to go to my bank and close my account because they now are writing fraud checks on my behalf.
Product: Credit card or prepaid card

I have been a loyal American Express ( Amex ) customer for the past 12 years. Amex prides itself on customer service ; however, after my most recent experience, I beg to differ. I was offered a one-time {$120.00} credit by using my enrolled eligible credit card to spend {$600.00} on XXXX or more purchases in-store at XXXX or online at us.burberry.com by XX/XX/2023. Therefore, I went to a XXXX store at the XXXX XXXX XXXX in New Jersey and purchased a scarf for {$620.00}. Typically, after I make an eligible purchase, I receive a notification that says thank you and confirms that I will receive a statement credit. This time I didnt receive anything, so I decided to call customer service to find out if I would receive {$120.00}. I spoke to XXXX and asked why I didnt receive an email, and she advised that my purchase was not eligible as I did not purchase it from a participating store. I asked her several times for a list of participating retailers, but she couldn't provide it. How would I have known that a XXXX store in the mall wouldnt be eligible for the credit? I wouldnt have purchased the scarf if I knew I wasnt getting money back for the purchase. Then I asked to speak to a supervisor, and she transferred me to XXXX. She told me I bought the scarf from an authorized retailer and needed to purchase it from a corporate store. I told her it was a corporate store and even called the store while she was on the phone to confirm. I asked for the list of participating stores, and she said she didnt have XXXX. She said there was nothing she could do for me. 

That said, I want everyone to know that Amex doesnt treat its customers like family and could care less if they lost you as a client. Amex doesnt honor their offers ; they make it very difficult to receive the statement credit. This is not the first time this has happened to me. I wouldnt recommend American Express to my friends and family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, also have been affected by the Equifax Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX  # XXXX.
Product: Checking or savings account

On XX/XX/XXXX opened new account with Chase and used a new account opening coupon from Chase for the amount of getting XXXX after account remains open for 45 days. On XX/XX/XXXX I received a deposit from a friend to my account the bank accepted it in the amount of XXXX then on XX/XX/XXXX they closed my account with out notifying me found out account was not working when I logged in and could not access account. I called the bank immediately and they said that they closed my account and that they were not able to reopen the account, that I needed to go to another bank for my banking needs since they would not be able to have me as a customer. Only had this account a week and everything was ok until I got this deposit and then everything went South. They will not tell me why or if I will get the money that was just deposited into my account before they closed it. On XX/XX/XXXX received another email now stating that my account that they closed is now overdrawn. Instead of sending my deposit to me they sent it back to my friend and charged the closed account a return fee. And on top of all this because when I opened my account I linked my son 's account to monitor it and they closed his to with no explanation. I will never trade with Chase again. They are crooked.
Product: Money transfer, virtual currency, or money service

Companies involved in this wire transfer transaction are - TD Bank in XXXX and XXXX XXXXXXXX XXXX XXXX XXXX as an intermediary bank for sending the money to my bank account in XXXX. The transaction was initiated at a TD Bank in XXXX on XX/XX/year>. On XX/XX/year>, I received a receipt from TD Bank informing me that my account has been debited in the amount of {$30000.00} for the wire transfer. I waited for 2 & half weeks hoping that the amount must have registered at the beneficiary bank in XXXX. That was not the case. I contacted TD Bank for explaination, including finding out from XXXXXXXX XXXX  if the wire has been transmitted to XXXX. At that time I was informed that an investigation will be made to XXXX XXXX.I made follow up on two different times, 2-3 days apart for an answer. Each time, I am only asked to continue to wait because they have not received a response from XXXX XXXX. For about 2 weeks now since then, I have made follow up the TD Bank few times but getting the same response each time. At this point, I very anxious to find out 1 ), why has my money not reached my account up till now? 20. Why is TD bank not getting any response from XXXXXXXX XXXX? 3 ). What am I waiting on to get an answer and from whom? 4 ). How much long will I continue to wait without any idea of a response from anyone. Such is beginning to drive me insane. I honestly need help to find out the whereabout of my money. This is suppose to be a bank - bank transaction. Exchange of info in transparency should not be that difficulty, The money is for a project purpose in XXXX and payment for the month of XXXX is past due. Please intervene to solve this problem at your earliest possible time. THANKS FOR YOUR TIME AND ATTENTION.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX : Account number : XXXX, XXXX XXXX  : Account number : XXXX, XXXX XXXX  : Account number : XXXX, XXXXXXXX XXXX XXXX : Account number : XXXX, XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

Recently I shopped for a vehicle ( XX/XX/year> ) and I was notified that my credit score dropped XXXX points for having 16 hard inquiries in 24 months. 

When I called Transunion customer service they advised me this XXXX point drop was usually consistent with missing several payments. I do not have missed payments on my credit report. 
They advised me to appeal the credit score drop- stating they would do it for me over the phone. It was never done. 

The score drop caused me to be denied for another service I applied for shortly after. 
Transunion 's score drop was excessive. thisi s not the first time they have done this and thier " algorithm '' is ineffective and flawed.
Product: Mortgage

Dates are not exact. 
I contacted newREz when I saw the issue. ( Sometime in XX/XX/XXXX. 
At the time I had been paying them every two weeks the same amount of money ( Since XXXX ). Every pay period, they got half the mortgage and when the recieved a full payment the entire mortgage was paid in full. 
I contacted then on the phone at least 3 times and requested they audit and fix the issue. Refund the late fees ( Which in the demand letter sent by my lawyer, they admitted it was their issue. 
In XX/XX/XXXX they had a number of payments to the account and it makes it very hard to determine fully my payment schedule. 
I had submitted to CFPB as well once late XXXX XXXX XXXX. 
My legal team also did the demand letter and a follow up letter. 
They ignored the second letter sent. No response back to my legal team. 
I subsequently went only around XX/XX/XXXX and submitted another online complaint. They responded with an email stating they would look into the matter ( XX/XX/XXXX ) There has been no respnse since other then racking up more late fees. 

I need someone from CFPB to help here. The number I provided is a legit phone number please leave a msg and I will return a phone call.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on XX/XX/year>, which falls within XXXX XXXX standard 15-day grace period. Therefore, the account should not have been reported as 30 or 60 days late. 
Clerical error by XXXX : My payment, though made on time, was incorrectly recorded as late due to a clerical error by XXXX. This resulted in the inaccurate reporting of a 30 and 60-day late payment on my account. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payments were made on time, well within the grace period. This documentation proves that no late payment occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX