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

XXXX XXXX XXXX XXXX is reporting inaccurate information to all 3 credit bureaus. To Experian they are reporting Charge off from XX/XX/XXXX-XX/XX/XXXX, they are reporting 90 days late on XX/XX/XXXX, 60 days late from XX/XX/XXXX-XX/XX/XXXX and 30 days late from XX/XX/XXXX-XX/XX/XXXX. They are reporting no derogatory information on XXXX and 90 days late from XX/XX/XXXX-XX/XX/XXXX on XXXX. Under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), they are not accurately reporting the credit bureaus.
Product: Prepaid card

Every time Im trying to make a purchase online, it just declines. When I tried calling the company, they cant find my card. Ive tried many times, and the card just declines. Ive used the card before, but all of a sudden it stops working.
Product: Debt or credit management

I am writing to request a correction my account was use to make unauthorized purchases up too {$23000.00} which thieves drain my account to XXXX cent. I will need a real dispute process and not an automatic no error message from chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2020 {$6500.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, 2020 {$24000.00} Needs Attention
Product: Vehicle loan or lease

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with XXXX and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$4300.00} Account # XXXX
Product: Debt collection

Convergent Outsourcing is collecting a unpaid bill from XXXX XXXX XXXX, I do not own money to XXXX because when I sign up for their services they promised me a credit for switching to them. When I tried to contact them to apply the credit on my account they told me the credit was applied and I didn't have a unpaid balance.
Product: Vehicle loan or lease

US Bank continues to report to the credit reporting agencies an auto loan that was discharged in XXXX. I received the title to the vehicle in my name only with no lien holder on the title. My repeated attempts to have US Bank either remove the account or report it accurately are ignored. My repeated attempts for US Bank to send me all documentation relating to any and all accounts under my social security number at US bank as well as the source of the funds for the alleged 'loan ' have been denied as against their policy.
Product: Debt collection

I advised the company to stop calling me and place a cease and desist on my number, they have call multiple of times after that, i Also sent a debt validation letter stating they to validate the debt and all communication should be done through mail, and they are still calling harassing by phone
Product: Student loan

XX/XX/2022, recently when XXXX XXXX XXXX announced he will offer student Loan Forgiveness towards student loan debt. I taken upon myself to reach my student lender Lendkey to respectfully asked if they will make an exception to assistance me to see if I qualify for student loan debt forgiveness. I was instantly cut short of the conversation. I was told I didnt qualify due to my consolidation was going on XXXX XXXX  with Lendkey . I expressed that I had XXXX loans before consolidating and the interest rates were being that I should qualify for the XXXX student debt forgiveness being that I make less than {$120000.00}. I feel I should have the opportunity to qualify. XXXX XXXX XXXX XXXX XXXX XXXX on a fixed income my current and future income does not support my student loan debt of {$50000.00}.
Product: Debt collection

1 ) This is not a valid debt. It was disputed two years ago with no response from the original company.

2 ) I disputed this debt with another collection agency and they stopped action rather than responding, so once again this is not a valid debt.

3 ) I sent them a dispute letter and they never responded. So once again this is not a valid debt.

4 ) They are reporting the date of this debt as being now, rather than two years ago as it actually is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained about my account with the credit union because it has a credit card that I never had and though it was paid off and closed. My money was removed from my account and it was paid for without my permission. I filed a identification theft report to the police department.And I gave it to the XXXX XXXX XXXX XXXX and its still reporting to my credit report.
Product: Money transfer, virtual currency, or money service

I had listed an item for sale in XXXX. It was listed for {$300.00}. 
Somebody by name XXXX XXXX XXXX ( XXXX ) contacted via gmail and text indicating she is interested to buy my product. She sent an cashiers check for {$1400.00}, indicating that additional amount is for her friend who is getting some more items for her and also help in shipping bunch of stuff to her. She asked me to deposit the cashiers check. I did the deposit in ATM ( BOA ) and ATM did not recognize this as fraud check. I am pretty sure even depositing via phone bank app would have resulted in the same way. 

Next day evening, she contacted me again and asked me to use XXXX app to transfer remaining funds ( total - {$300.00} ) to her friend XXXX. After 3 days, BOA declared the check as fraud and started saying that we do not track transactions and XXXX is like XXXX XXXX money transfer. BOA does not have any contact numbers for XXXX customer support as well. According to BOA, Apparently XXXX do not store any customer details at their side and store only phone or email information. 

The lady was using XXXX number at her end and there was no legit way to track that. 
Next day, same lady XXXX sent another cashiers check which I took it to BOA teller and the lady was not able to distinguish whether it was original or fake check. I asked her to call the other bank with account details to ensure if cashiers check was issued by that bank and we found out that to be fraud. 

Later checking online, I am seeing both banks and XXXX is saying we cant support such cases even though they can do that. One example being XXXX XXXX. 
See the link below : XXXX XXXX XXXXXXXX I have filed both police and FBI reports and have all correspondence with me. Please help me in getting my money back. If the cashiers check was identified as fraud initially or if XXXX could keep track of sender and recipient as it is in partnership with banks, these problems would not have seen. Along with trust, they should have relevant control to help consumers. I am also worried for lot of non aware digital technology people being XXXX by such scams and apps.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and 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 : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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, 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 15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 Also, it states a consumer reporting agency can not furnish an 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 item of information, other than records of conviction 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER CONSUMER is reporting incorrect information regarding this account on my credit reports, this account was reported as charge off on XX/XX/2018. However, when an account is marked as charge off, it should not be reporting late payments and therefore is in violation of the FCRA. For this reason, this account should be DELETED from all credit reporting agencies due to violations of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> account with Synchrony Bank SYNCB/QVC was opened without my permission and or consent. This account was opened fraudulently with my personal information. They opened the account and then switched the shipping information to receive the merchandise. I was contacted by qvc customer support ( the store ) asking if this address change was done by me, I stated Never opened the account and never ordered any products. I called Synchrony Bank immediately and reported the fraud. But they failed to close the account and remove account from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my free annual credit report from Equifax and my old bankruptcy is still listed on the report. I was advised at the time of filing this chapter of bankruptcy would remain on my report for SEVEN years which has no passed. I attempted to file a dispute but was advised Equifax could not verify my identity after it had already been verified to receive the report. Equifax Report Confirmation # XXXX. I think this is ridiculous. 

My bankruptcy is over 7 years old which I was advised was the time limit for the case remaining on my credit report for the Chapter of Bankruptcy I filed in XXXX of XXXX. Reference Number : XXXX on Equifax report date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both XXXX and the Collection agency Named XXXX XXXX XXXX regarding this account. I have asked them to validate this debt. This account is unverifiable not listing the original creditor for me to investigate and is also falsely reporting inaccurate information such as experian is reporting a date of last activity as XX/XX/XXXX while XXXX is reporting a date of last activity as XX/XX/XXXX. In the payment history, Experian continues to report this account as a charged off account, while XXXX is reporting " OK '' payment history on this account up to XX/XX/XXXX late 120 days. I don't even recognize this account and its erroneous reporting is damaging my ability to get credit needed. Please investigate and have this account removed immediately
Product: Mortgage

We refinanced our home and the mortgage company sold our loan to Flagstar Bank. At the time our loan closed, our escrow was calculated based on the tax certificate which states that our property taxes are due on XX/XX/XXXX. Our first payment on the new loan was in XX/XX/XXXX. In XX/XX/XXXX we were informed by Flagstar that they conducted an escrow analysis and determine that we had a shortage, so they raised our payment to cover the shortage. The increase was {$120.00} per month. I contacted them to find out why this occurred. They explained that they paid our taxes in XXXX and the lower balance was in XXXX. I told them that the taxes are not due until XXXX, so paying them early should not cause me to be financially penalized. I filed a complaint and on XX/XX/XXXX I was informed that they had denied my complaint and that they would continue paying the taxes two months early and they would not correct my escrow. I again filed an appeal and they again denied it. So, I requested to withdraw my escrow funds so that we could manage our own account. They sent me a form and said that I could request the withdraw, but that they would charge me an {$800.00} fee in order to request the withdrawal. Since the problem with the escrow is caused by their mismanagement of the account and refusal to pay the taxes when they are due, it is absolutely unfair that they are charging me such a ridiculous fee to take my escrow and manage it myself. Basically, I'm stuck and they don't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained on XX/XX/XXXX, to dispute the erroneous items in my file, this complaint will serve as a follow-up to ensure that the items are deleted as soon as possible. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

It has come to my attention that I have been making payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2.

You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6.

This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). 

Furthermore I have noticed that you have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights.
Product: Money transfer, virtual currency, or money service

I ordered {$100.00} worth of Bitcoin on XXXX XXXX, 2017. Ever since, the transaction has been in a " pending '' state and claims it will arrive Friday, XX/XX/XXXX. I have emailed coinbase 3 times. I received a single reply with a link to their website as to why it could be pending for up to 5 days. It has been nearly a month now with still no real response, even after responding to that email.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ky XXXX XXXX XXXX XXXX2025 Subject : Dispute of Accounts & Civil Liability for Negligent Non-Compliance under 15 U.S. Code 1681o Dear To whom it may cooncern, I am writing to formally dispute the following accounts that have been reported inaccurately or maintained in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking 15 U.S. Code 1681o regarding civil liability for negligent non-compliance. 
The accounts in question are : XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Bankruptcy Reference Number : XXXX These accounts have been inaccurately reported, and I believe your company has been negligent in ensuring compliance with FCRA regulations. This negligence has resulted in financial harm and undue burden upon me. Per FCRA guidelines, I demand an immediate investigation and correction of any erroneous information related to these accounts. 
Additionally, under 15 U.S. Code 1681o, you may be held civilly liable for negligent non-compliance, and I am prepared to seek legal remedies should this matter not be resolved promptly. 
Please take the following actions immediately : XXXX. Conduct a thorough investigation of the listed accounts. 
XXXX. Provide me with written verification of the accuracy of these accounts or delete the inaccurate entries. 
XXXX. Remove any incorrect negative marks associated with these accounts. 
XXXX. Provide a written response confirming compliance within 30 days of receipt of this letter. 
Failure to comply with this request may result in legal action to enforce my rights under the Fair Credit Reporting Act, including claims for damages and attorney fees as allowed under 15 U.S. Code 1681o. 
Please consider this letter as a formal request under the FCRA. I expect a written response within 30 days. You may send correspondence to my address listed above. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER XXXX XXXX XXXX EQUIFAX IS GOVERN BY XXXX XXXX XXXX AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO XXXX XXXX XXXX I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO FURNSH THESE ACCOUNTS XXXXXXXX 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

I had medical treatment with a doctors ' clinic and had in effect health coverage with a Medicare XXXX XXXX, Medicare XXXX. I was told I owed a CO-Payment amount by my health insurer different than the doctors billing service. I paid the CO-Payment the doctor asked for directly to the doctor. Later, Medicare adjusted the approved payment to the doctor, so I may have overpaid the doctor directly. The doctor 's office turned this matter over to collection with " Arbor Professional Solutions, XXXX XXXX XXXX ; XXXX XXXX, Michigan XXXX, XXXX who are adversely reporting this matter paid or overpaid in full directly to the doctor prior to collection. It should not be reported at all with the XXXX Credit Reporting Bureaus and is.
Product: Vehicle loan or lease

back in XXXX me and my husband nearly lost everything, our real estate investments and our home I had XXXX month left on my lease of the XXXX XXXX and I tried to terminate the lease early but accepted the {$6000.00} they asked for to do so asked for a payment plan and I was denied. Then the XXXX kept adding interest charges to the amount owed and every time I called them to ask for payment options they would say that they want the full price included the added interest charges ... XXXXthey didn't work with me and then in XXXX they got a court judgement against me for the amount of {$17000.00} and now that I am finally working somewhere and hardly make the money to survive they are withholding my wages.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request Regarding Identity Theft Investigation I am writing to express my extreme frustration and disappointment regarding the handling of my identity theft case. In XXXX 2022, someone fraudulently used my personal information to make a purchase from XXXX XXXX XXXX Despite my repeated attempts to resolve this issue with both XXXX and your bureau, I have yet to receive a comprehensive report of the investigation conducted. 

As a result of this identity theft, I have accrued approximately {$500.00} in interest fees for purchases I never made. This situation has caused me significant stress and XXXX, and the financial burden is substantial for me to bear responsibility for purchases I did not authorize. 

XXXX directed me to file a police report, which I promptly did and submitted to your bureau as requested. However, I have not received any detailed investigation findings from you, apart from the generic response stating that my purchases were deemed non-fraudulent. 

I implore you to understand the gravity of this situation and the toll it has taken on my life. The lack of transparency and urgency in resolving this matter has only exacerbated my distress. I urge you to conduct a thorough investigation into the identity theft case and provide me with a detailed report of your findings promptly. 

I appreciate your immediate attention to this matter and expect a timely resolution. Your cooperation in rectifying this issue and alleviating my pain and frustration is greatly appreciated.