23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I filed a claim to dispute charges posted to my account which I did not authorize or receive, and hours later was notified only by email that my account was going to be terminated indefinitely and did not give any reason at all. On XXXX XXXX I was denied my ATM withdrawals and received nothing, but the following amounts were posted to my account ( {$210.00}, {$200.00}, and {$220.00} ) on XX/XX/XXXX, The charges officially posted, and I disputed them with agent XXXX via telephone around XXXX XXXX ( EST ). On XX/XX/XXXX, at XXXX XXXX, I received an email notifying me of my account closure and my account ineligibility to receive my disputed posted charges back as a result even when I have emails from Chime saying those ATM withdrawals did not go through as evidence
Product: Credit reporting or other personal consumer reports

I am writing to inform you of your violation of the Fair Debt Collection Practices Act ( 15 USC 1692 ) and to demand the immediate cessation of all communication, collection activities, and reporting to credit reporting agencies concerning the alleged debt. 

Under 15 USC 1692, you are required to adhere to specific rules and regulations when attempting to collect a debt. It has come to my attention that you have failed to comply with these regulations by engaging in [ describe the specific violations, such as harassment, misrepresentation, or unfair practices ].
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 confidentially under 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX These credit bureaus have violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. this has been hurting me as I am in the process of buying a house for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX ( XXXX ) acct # XXXX {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The statue of limitation is up and this negative items are still on my credit report and i wish to have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank is reporting Lates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they are incorrect. I asked for verification, but they have not provided information and keep reporting it on my credit reports.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX
Product: Credit reporting

Euqifax shows my mortgage with XXXX as being resolved/included in bankruptcy : it was not ; is still current today with 3 plus years of perfect payment history. Also, had XXXX other small loans successfully through XXXX in last 3 years that are not on the report. Also shows XXXX XXXX credit card account as being resolved in bankruptcy. It was not, and along with another XXXX XXXX credit card, and XXXX other credit cards, are not listed with their perfect payment on-time history.
Product: Checking or savings account

My checking account was used to pay off several different credit cards from my Chase checking account. The payments were paid so available credit would be issued, to use my card fraudulently. The bank has initially credited my account and now has taken the amount back out. I did not authorize these charges the bank will not refund my charges.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 in MONTHS REPORTING LATE to be removed 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 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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! 

Delete the late payments from my consumer reports.
Product: Credit reporting

On XXXX/XXXX/2015 at approximately between XXXX and XXXX. I made an attempt to dispute negative items that are on my credit report to Experian Credit Reporting Agency. A representative name XXXX and his manager XXXX were very condescending and rude to me. I made several attempt to explain myself and it was clear that these XXXX individuals did not want to help. The day before I had initiated disputes online with the credit bureau and wanted submit evidence to support my claim. I informed them over and over that there 's duplicate negative items on my credit report and they continued to be more difficult and harass me verbally. I am willing to file as many formal complaints as needed to get this kind of disrespect to end when dealing with credit reporting agency. After being frustrated by XXXX, his supervisor XXXX continued to taunt me as if this was some game. I could clearly tell in her tone that she was n't happy to speak me after XXXX. I did inform them both that I would be filing a formal complaint to federal government about their behavior.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that is not reporting accurately. I am showing 30 days late on the account. This company has never notified me that I was about to be late nor notified me that I am late. I was never notified and 15 U.S. Code 1666b - Timing of payments I have a right to be notified. I am requesting that this late payment be removed and updated and this account status be updated to paid as agreed and NOT from no more than 2 payments past due because this is inaccurate.The lack of notification by email or mail has caused a great deal of stress and is detrimental to my credit health. The consumer reporting agencies and furnishers have a legal duty to follow consumer laws. This situation was not handled within the legal realm of this code. I was not notified. Thank you for your prompt understanding and prompt action. I have reached out to this company in XXXX and have been told a manger would call me back but this company has totally ignored the damage that they have caused to mycredit for not following the law. i have also advised them that I have been greatly affected by Hurricane Beyrl and this has caused me not to obtain relief and resources. 
i have been attempting resolve this since XX/XX/year> and Kohls have ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Experian credit report are fraudulent and unauthorized : XXXX XXXX, XX/XX/2019 and XXXX  XXXX XXXX, XX/XX/2019
Product: Credit reporting or other personal consumer reports

I have asked that this debt be removed from my credit report it was charged off and reported as a loss in which they ended up getting it written off on your taxes and did not send me a 1099 c but you are reporting this debt saying i owe you the money but you wrote it off. I requested a 1099 c and your saying that this has not been forgiven so now i will be suing you for reported false information on my credit report without following proper procedures. You received a tax break so why am i still being charged
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified several erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following accounts are erroneous and should be corrected on my credit report : XXXX XXXXXXXX XXXX XXXX Balance : {$27000.00}. I have included a copy of the dispute letter I preciously sent for your reference. I would appreciate it if you could provide me with an update on the status of my dispute within 30 days as required by the FCRA.
Product: Money transfer, virtual currency, or money service

Deposited a check XX/XX/XXXX XXXX that it might be a hold .I assumed thats normal .They dont want to get screwed over. 24 hours like normal. Once done the receipt said hold until the XXXX XXXX  day hold on Money.I need now. They say they have asked for the hold to be lifted .I call back they say it never happened. Reason for hold big amount of money? 
XXXX Is what the check was for they released half already but to wait till the XXXX is outrageous.Im trying to run a business.Every day they hold my funds from a cashier check. Im losing thousands of dollars because I cant buy a work vehicle. I offered to provide proof of cashier check being cashed/ back up the funds from a market account.Wont give me my money. A hold that long is outrageous and disgusting.Very disappointing with Truist if they dont at minimum shorten it by a few days .I will be closing all accounts including my business, since they are essentially robbing me of money every hour I go with out being able to purchase a work vehicle.
Product: Mortgage

HSBC has been holding me hostage over my mortgage since XX/XX/2008. I have been approved for over XXXX loan modifications since 2008, however, after each approval, HSBC fails to send me the modification documents and approvals, and continues to solicit me for other loan modifications, when there is a court order on file with XXXX County, SC, stating that HSBC is not allowed to contact me directly. More Recently, HSBC defense council, XXXX XXXX, has promised my attorney and I that she will expedite my loan modification. see attached letter. It has been two years, and XXXX XXXX has never responded to me or my attorney. HSBC continues to ignore me and my attorneys requests and we do not know how to proceed. I need to get out of this house and get out of this loan so I can move my life forward. HSBC has effectively ruined my life and my credit for the last 8 years. Can you help them to contact me or my attorney? Can you please sanction XXXX XXXX or report her to the bar association for her complete failure to do anything in my case? I am going to provide the proof I have been approved for a loan modification, and the proof that XXXX XXXX has done nothing to help the situation.
Product: Checking or savings account

XXXX SSN I had a balance of {$80000.00} dollars and in one year the account slowly demised. I went into XXXX XXXX branch wells fargo and asked to sit down with XXXX who tried to help me, there were overwhelming fees and deductions we didn't understand, while she saw the fee deductions, she didn't have an answer to me, escalating this to corporate representative, who basically gave me the same answer, therefore shutting the door on any accountability. I closed those accounts, but know I have been dubbed. 

Wells Fargo, accounts total 5 accounts, business, and 3 personal with family members. 
Previous names XXXX
Product: Debt collection

Hi, Here 's a little information about the account. My card was taken by my now ex husband which he used on his girlfriend. I set up monthly payment arrangement with them after he left and while I was going through my divorce. They told me I could no longer make the lower monthly payments anymore and I could not afford to pay the full monthly amount payments. The account was closed and charged off as a bad debt, then sold to a collection agency. I was served by this company to collect a debt. I tried on XX/XX/XXXX to contact this company ( XXXX XXXX XXXX ) in order to try and solve the debt they are collecting. I was answered with a message that this is a debt collection company. They would not accept my offer and I was told that my offer would be relayed to them and someone would call me back. I called back again on the XXXX of XXXX and I was told the message was relayed. No one has ever returned my calls. I appeared in court like I was told to and no one was there, I was taken to the clerks office, where I told I had to file a cross claim that day or they would have a judgement against me. I told them I was on public assistance in my claim and could not afford to pay them what they were asking. Because I can not afford an attorney, apparently I did not give them sufficient evidence for my claim. No one will call me back. How am I supposed to work anything out with them if no one ever calls me back. They have just added another derogatory remark to my credit score. This is not right that they make no attempt to work with me, when I am trying to get this matter resolved. They just want to garnish my wages, make me pay attorneys fees and are unwilling to work with me at all! It is not right they treat people like this when you are actually trying to resolve the matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against the three major credit bureaus - XXXX, Experian, and XXXX - for their failure to guarantee the accuracy and completeness of my credit report, as required by the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Federal Trade Commission ( FTC ), and United States Code 15.

According to the FCRA, Section 607 ( b ) ( 1 ), " A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, the FTC emphasizes the importance of accurate credit reporting and states, " Credit reporting companies must investigate the items in question- usually within 30 days - unless they consider your dispute frivolous. '' The FDCPA also plays a crucial role in protecting consumers from inaccurate credit reporting by prohibiting unfair and deceptive debt collection practices.

Despite these legal obligations, I have discovered multiple inaccuracies and discrepancies in my credit report, which can have severe consequences on my financial well-being. As a consumer, I have the right to ensure that my credit report is correct, exact, and free of all inaccuracies.

I would like to bring your attention to the following disputed items on my credit report : Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies not only harm my creditworthiness but also hinder my ability to obtain loans, secure housing, and enjoy fair financial opportunities. I have attempted to resolve these issues directly with the credit bureaus, but their responses have been inadequate and unsatisfactory.

In accordance with the FCRA, FDCPA, FTC, and US Code 15, I request that the CFPB investigate my complaint thoroughly and take necessary actions to ensure that the credit bureaus rectify these inaccuracies promptly. I also request that you inform me of the steps being taken to resolve this matter and provide me with a written response within the legally mandated time frame. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi bank credit is very mean reporting my current balance, its like by law i got told I shouldnt have to wait to next month to see my current balnce gets updated, so XXXX  updated my current balance with citi bank which reflected my utilization from 27 % went down to 18 % its like citi bank not following guidence its like they dont follow any of that till they get full balance, updating my balance as pulling tooth out of their mouth the minute i updated my balance and requested them to update my score they locked my account to see if there is a fruad on my account, and yup i told them i paid that amount of money becuase their interest rate apr 29 % on the account, though they say they waives interest rate on covid time they dont so i had to pay them. 
so my problem XXXX updated the new balance and XXXX  refuse to update the balance becuase they instructed by citi bank where please have XXXX  update my balance
Product: Debt collection

Successive communications have inflated balances, higher than original debt. Multiple phone calls after written request not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. You must follow proper procedures if these claims are in your system and to be used in my credit reports! 

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life.
Product: Credit card or prepaid card

Due to a system issue, my payment was scheduled for the wrong date. Therefore, my payment wasnt sent to Capital one and a late fee was applied in the amount of {$28.00}. Since Ive never had any late payments, I requested the late fee be waived. However, it would take XXXX business days to post to the account. Then I made the payment which applied to another Capital One credit card. After checking the account, I-noticed the payment was applied to the wrong account so I called customer service again. The representative did not understand what I was asking so I had to repeat it several times. Their outsourced company used for their customer service always provide information the customer do not ask questions not asked. The representative talked so fast most of the interaction with her was frustrating I asked for a supervisor XXXX times and finally got a account specialist name XXXX that was very unprofessional and rude. I was told they were backed up with processing a simple transferring payment from the incorrect to the correct. The process will take 7-10 business days that will cause a late payment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in multiple of letters to XXXX, XXXX XXXX TransUnion to dispute all incorrect address from my credit report. I also sent them a updated Address, phone number & Job for me
Product: Credit reporting or other personal consumer reports

I have had fraud and identity theft accounts were open that I did not authorize by a family member, I was XXXX  and I have proof, I will upload my XXXX  dates and I have filed a report with the federal trade commission, I will like for these things to be removed from my credit report due to I was XXXX XXXX and did not give permission for anyone to open anything in my name
Product: Debt collection

When recently checking my credit report I noticed that Focus Receivables Management was on my credit report. I don't recognize what this debt is and where they are trying to collect from. I have not received anything from this company about any potential debt that may be owed and I don't recognize the company they are collecting on behalf of and have never had service with this company.
Product: Credit card

My bank makes my electronic payments to Best Buy, my bank paid Best Buy {$210.00} XXXX XX/XX/2024. Best Buy will not credit me for it. Ive sent statements from my bank and other information they wanted.They refused my credit of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # XXXX.
Product: Debt collection

I incurred a debit medical with XXXX for XXXX of allegedly XXXX deductible upon this debit my insurance company cont to verify no monies were owedbased on date in question I sent certified letters emails and numerous phone calls to no avail. Meanwhile acct was sent to several collections based on this I filed a small claims actions in XXXX XXXX of MD XXXX XXXX where a trial was had Honourable Judge dismissed both claims including attorney counter claim on this date I was shown an invoice that I had never received. Based on that invoice even though court had dismissed I paid with Certified Check .bank shows where check was cashed.after cashing check collect cont even though I owe nothing receivables Management Systems cont and has inserted this debit ad being owed and accurate causing a severe drop in my credit score and refuse to remove
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$1600.00} Date of XXXX