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

The list of addresses was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect addresses listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/2018
Product: Checking or savings account

I have deposited few checks in my new check-in accounts and some other deposits. 4 of the checks i deposited is cleared by the bank however they put a ristriction to my account and end up closing it without notifying me. I went to the bank to prove that those belongs to me. However, they still closed my account without give me any heads up and told me they will send me the money to my house but holding {$1500.00} for those checks. I received 2 checks each {$220.00} ( {$450.00} total ) from the city for my tenants XX/XX/XXXX rent. Another 2 check 's were from an attorney who was did my house closing. So those 2 check 's were issued to me to pay my credit card bill. Chase is refusing to relese those money. I reach out to them couples of time regurding the issue. I went to a branch with the closing documents and the monthly rent checks that i received but they still refused to relese those money. I also deposited {$3200.00} XXXX XXXX to one of the chase ATM on XX/XX/21 and for some reason ATM didn't able to deposit it properly and give me a receipt to reach out to Bank. I reached out to bank and filled a complaint on XX/XX/21 and still haven't heard from the bank.
Product: Debt collection

I have never received any letter letting me know the intent to collect, if so, please show a certified confirmation from the postal mail confirming that I am aware of this situation, the FTC is clear and concise, an account statement, with someone's personal information printed, it is not a legal proof that makes me responsible for the total or partial amount of the account in question, you have the obligation to send the client the requested documents in this case the contract signed by me where I accept responsibility and the terms of the itself, if it is not illegal to keep said information in my credit reports, please remove this information from the corresponding agencies, and delete it from your system, to prevent it from being sold to another collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and XXXX is reporting this repossession inaccurate on my credit report. First XXXX  and XXXX is reporting a monthly payment of XXXX. It is a violation to report a monthly payment on a repossession as the car is no longer in my possession. XXXX and XXXX is reporting a month term. This car is a repossession it should not report a term length. 

XXXX is reporting the date of last activity as XX/XX/2019. XXXX  is reporting XX/XX/2019. XXXX  is reporting XX/XX/2019 Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX Customer Service, I am writing to address a concerning matter regarding the recent closure of my XXXX XXXX account and its inaccurate reporting on my credit report. It has come to my attention that my account was closed due to inactivity, which is not the case. The closure was initiated by XXXX XXXX because I did not complete a verification of income by allowing your institution to confirm my bank account 's beginning and ending balance over the phone. I want to emphasize that this closure was not due to neglect or lack of activity on my part. Rather, it was a result of my refusal to comply with the verification process, which I believe to be an unnecessary invasion of privacy that violated my federally protected consumer rights. I have already communicated this stance to the Consumer Financial Protection Bureau ( CFPB ), and XXXX XXXX has confirmed this during their correspondence with the CFPB so Im unsure why you would post FALSE INACCURATE information to my consumer credit report that violates FCRA. Despite the closure of my account, I have remained in compliance with the terms outlined in your SEC prospectus by continuing to mail in my registered securities by the due date, addressed to the indenture trustee of your company and my act will show no balance due at this time. This practice ensures that I fulfill my obligations as outlined in the securities exchange commission prospectus. I am requesting that XXXX XXXX reinstate my account and restore my credit limit to its previous level. Furthermore, I expect that my account status be updated to reflect the accurate reason for closure, as confirmed by your institution and the CFPB. Failure to address this matter promptly and satisfactorily will leave me with no choice but to take further action. This includes completing an IRS Form XXXX to revoke your power of attorney for all years and periods, as well as reporting this issue to the Internal Revenue Service ( IRS ), the Securities and Exchange Commission ( SEC ), and pursuing legal action as necessary. I trust that XXXX XXXX will rectify this situation in a timely manner and restore my account to good standing. Your prompt attention to this matter is appreciated. Sincerely, XXXX XXXX attached is the proof of the inaccuracies reporting on my credit, the original cfpb complaint where XXXX admits the real reason for the account closure ( not due to inactivity on my behalf ) also my account indicated that no payment is due at this time.
Product: Credit reporting

I was doing a loan modification with XXXX Bank. It started in XX/XX/XXXX and ended XX/XX/XXXX. On the final modification papers, it was stated by XXXX that the late payments would be removed from my credit after 1 year of making payments on time. 
When I called XXXX after a year, they said no the late payments stay on for 7 years. 
Is there anything I can do about this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving XXXX since XXXX, I've been on XXXX since XXXX My XXXX Medical Bills have been covered since XXXX To this date I have reports on my credit score the XXXX major credit agencies won't remove saying it is too late to bill my insurance.. I submitted insurance information during the time of visit, I also have been part of a medical billing program that covers co-pay portions... I sent the information to the credit union, also to the XXXX hospitals billing department who issued the report.. To this date I still can't get the items removed even though I had valid insurance during the time of visit... This unfair reporting has caused me to continue getting denied for a home loan during a time my county is forcing my family to relocate due to property being bought for a new local jail... The damage of this unfair and inaccurate reporting is causing severe damage to the well-being of my children and family...
Product: Payday loan, title loan, or personal loan

I applied for a loan via XXXX XXXX. Called XXXX XXXX XXXX which is actually 1st National Bank of Omaha in XX/XX/XXXX. I called to follow up on status & was told a letter was sent ( declined ). 

I verified the address and they left out my apartment, which I gave & was told on XX/XX/XXXX by 'XXXX ' it was sent " on the XX/XX/XXXX ' ( XX/XX/XXXX ). 

I never received the letter, so I called XX/XX/XXXX @ XXXX XXXX mountain time zone and spoke to'XXXX '. I recapped my experience and that it is ILLEGAL NOT T O SEND THE LETTER. He expressed that was his understanding. 

As of today XX/XX/XXXX, I have not received my denial letter as required. 

I intended to pay off a rip off loan that I plan to file a separate complaint.
Product: Credit card

I have purchased {$10000.00} worth the stuff from XXXXXXXX XXXX XXXXXXXX with their scheme of NO interest for 18 months. I paid {$9300.00} within 18 months and {$1000.00} was left over which I paid in next 2 months and cleared my account. 

Now I got a statement from COMENITY - XXXX XXXX XXXX that I owe an interest of {$3300.00} for not paying that {$1000.00} in 18 month at the rate of 29.99 %. XXXX XXXX XXXX associates never mentioned that if you don't pay within 18 months, you have to 29.99 % interest from the date of purchase on the full amount. When I spoke to customer service, they said it is written in terms and conditions. Is it possible for anyone to go through each terms and conditions written with small letters and about XXXX pages long?? 

I am now forced to pay this amount and feel like I am cheated by XXXX XXXX XXXXXXXX. I want them to cancel this unfair interest charges as they have never explained that after 18 months I will be robbed and charged interest from day one and on full amount. 

My account details are as under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX credit card account : XXXX Customer service : XXXX My Phone : ( XXXX ) XXXX Please guide me whether I should pay the interest or wait for your response. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I obtained a copy of my credit report and it reflected a debt for Caine Weiner on behalf of XXXX XXXX, however I contacted my insurance company that have been the same for several years and no debt appears on my record, therefore nothing to collect since I do not owe them nothing. 
Again in XX/XX/2019 I met with my financial counselor and the account still appearing on my report and reported by two of the bureaus XXXX & XXXX. This is affecting my score even more. It is not allowing me to move forward financially.
Product: Credit card or prepaid card

My Chime Bank credit card was used for {$1000.00} that I did not authorize! I researched the purchase and the shipping address for whatever was purchased was not my shipping address yet Chime associates are telling me that the transaction is legitimate even though I as the customer are telling them that I never used my card with that company, I never authorized them to take any amount of money and Chime will not reverse the transaction and refund me!
Product: Debt collection

Contacting me 8 times within the last 7 days, when I answer they dont let me talk
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite many multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

Prior to closing, the minimum payment was to be $ XXXX. I agreed to open a new checking account with them so they automatically deduct the payment, and used their system to automatically transfer money in from a different account. 
However, their system ran the transfers late and they increased the amount of the payment to $ XXXX. Since the transfer missed by a few days, the account was short and they rejected the payment. Meanwhile, I continued to transfer money to the checking account with them, but because of the rejected payments they have shut off direct payment. 

XXXX situation : I have deposited more than enough into the checking account with them to cover the outstanding balance and I called them to try to pay it. 
I have contacted their collections department 4 times, twice speaking to a person who hung up on me. I have left messages on XX/XX/2023 and XX/XX/2023 but have not heard anything back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the account : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a business account with Wells Fargo. I reported fraud. I called WF to let them know that my purse was stolen with all my information and ID and credit and debit cards, and my cell phone. My business acoount at that time have XXXX balance and WF allowed to this fraudster to used my bedit card and withdraw XXXX on XXXX2023 4XXXX times total amount {$810.00} and WF charge me XXXX for each transaction. And my account is negative right now because I am not willing to pay something i did spent PLUS there was NO FUNDS on my account. I had call WF many times and they told me over and over We denied your claim because we believed ITS not fraud! I email the little proof i have that my purse was stolen and I emailed the information from my verizon insurance were it says they are replacing and send a new phone due stolen device. WF told me we received your email with this proof but still believed its NOT FRAUD.
Product: Debt collection

XXXX XXXX XXXX XXXX amount of XXXX XXXX   original debt was for XXXX XXXX I and currently an XXXX insured driver with no late balance XXXX XXXX has never sent me and mail saying why I owe I also went through there website filling out proof of being in good standing with XXXX and never heard back .XXXX hosptial XXXX XXXX XXXX XXXXHave not received any call or letters for this debt!Portfolio recovery associates XXXX XXXX XXXX amount of XXXX no contact by mail or phone account is old and closed
Product: Debt collection

According to the FCRA these unverified & unauthorized items must be removed
Product: Debt collection

I contacted Portfolio Recovery Services by phone about about 3 months ago and asked them to please tell me where this debt had come from gave them my new address and they failed to do so. I sent them an email after not hearing from them they failed to respond. I sent certified letter to portfolio recovery with request to validate debt and they failed to do so. I called Portfolio Recovery again and spoke with supervisor finally named XXXX who told me I needed to file a complaint with you guys. This company has failed to send me any proof other than a letter stating they purchased account from XXXX XXXX XXXX. No documentations of signatures recorded voice of me making this debt or anything that confirms the debt belongs to me please advise thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXX-2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX- {$60.00}
Product: Debt collection

I had a medical from the billing company, XXXX, for an XXXX in XX/XX/XXXX. I had other services since and paid the bills. I was sent a letter from Valley Empire Collections of XXXX on XX/XX/XXXX, that I owed this amount which I thought I had paid directly to XXXX, so I did n't pay the bill. I never received another letter or correspondence from Valley Empire, that was verified by XXXX at the office on XX/XX/XXXX. I just realized I have a derogatory note on my credit which started my questioning what bill it was referencing. She stated they have called but it is their practice not to leave a message. I explained that if you do n't leave a message, how am I suppose to know to call and pay it. So when I received nothing further after the first letter, why would I pay something I do n't know is still outstanding. I even suggested a second notice notice to let people know they have been unable to reach me, but they do n't do that either. So my complaint is really that I was n't given notice this bill was still pending and the company did not notify me of that so I could pay it and clarify why I still owed it in the first place. I know some people would n't pay their bills regardless of notice but as I explained to them, the people that would, like me, who has no late payments on any thing for years, thought it was paid, just needed contact, a second letter, message regarding the bill, that in a year it would seem like a smarter way to do business. It was paid today, once I clarified what had happened, and gladly paid what I owed but would like it investigated because it now has hurt my credit score, which will cost me more money for possible 7years, just because I was n't notified that it was still outstanding. I explained you can leave a message if you know it was the correct household, which she verified they knew the phone was correct, because my answering machine says my last name. I just feel this was unfair and something I could have clarified if I knew. Thankyou.
Product: Credit reporting or other personal consumer reports

I moved out of XXXX XXXX XXXX apartments in may and never recieved a bill for damages. Property manager proceeds to send the debt to Procollect , Inc. without talking to me first. I paid off the dept immediately ( would have payed to begin with ) and they will not delete the record from my report as requested. I don't feel this collection is justified given that I never recieved communication from ProCollect that I owe money. No call, no mail, nothing. I am now dealing with storm damage and can't replace my car because of their misleading dirogatory remarks. XXXX also did not send a bill, or call my number telling me I owe money. Would have paid them that day. They say it was emailed to me but I don't see one and I don't think that's acceptable to not follow up.