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

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have used money order to put in my account for {$7500.00} on XXXX XXXX in my fifth and third bank, because I need to open a credit check to buy my car, and XXXX days later I has been told that It was not available because they need to hold that cause it was a big money until XXXX XXXX, that is ok, I can reschedule the title transfer date with the car owner, can on XXXX XXXX, I have also used money order to put in my account for {$1600.00} because I need to pay my rent on the due of XXXX XXXX, and my account frozen, I can not even get out of my money, the company said they could do nothing about that, they asked me to wait for 7 to 10 business days, that is ridiculous, that is all of my money, and they asked me to borrow money from others, so ridiculous, I just moved to USA and I don't have a friend here, this is all their fault, I need the money to pay the rent, I don't wat to pay the delay fee because the XXXX bank, and I also need the money to buy my car, I couldn't walk everyday for 1.5 hours to work!!!! so ridiculous, is this the USA bank! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act U.S. DEPT OF EDUCATION/XXXXXXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is XXXX
Product: Student loan

With Nelnet Ive tried calling multiple times within their listed hours of operation but the automated recording said they were closed. My loans are supposed to be on an IDR plan, Ive made two payments based on the letter I received from them, however I am still seeing a balance due for the month. I have tried reaching out with no success. 2 hour hold times ( via phone ). Please advise!
Product: Debt collection

I have filed 3 different complaints. I still have no resolution. I have written letters and gotten no reply, called and can not get through on any phone number given and now have submitted 3 different complaints with no direct answer. This company uses stalling tactics. They now are stating that they will only contact me via mail. To date since early this year I have not received anything in the mail from the company stating they will or will not accept the offer I sent prior months ago. When will an offer be sent from XXXX XXXX? XXXX XXXX pays pennies on the dollar from the 2 creditors, XXXX XXXX and XXXX XXXX. An answer is needed if an offer will be sent and when or if no an offer will not be sent and the debt will not be reduced. I just want a simple answer, I am unsure as to why this is so difficult. I am trying to pay this but at a reduced amount or a payment plan.
Product: Money transfer, virtual currency, or money service

my coinbase account was restricted and they say that I am under XXXX when I have sent them my drivers license many times I was born XX/XX/XXXX.
Product: Credit card

Refund requested for cancelled trip from XXXX and XXXX XXXX. 
Both XXXX and XXXX XXXX keep giving me the runaround saying " the other '' has to do the refund... Chase is caught in the middle. But nobody is returning my money. 

The total amount of money paid to the booking agency business XXXX was {$1700.00} through my credit card with Chase. 

The business committed to booking the itinerary including all flights, and dealing with payment and refunds should any interference occur. 

The dispute is for a cancelled trip. There were numerous cancelled flights that led to a cancelled trip. They have charged me for the entire trip with no refunded amount. I only took one flight. I am asking for {$1300.00} only, which is minus the cost of the one flight. 

The business XXXX and XXXX XXXX has not tried to resolve the problem. I have gone back and forth with XXXX, XXXX XXXX, Chase, and even XXXX XXXX trying to get this resolved. 

XXXX keeps telling me to go to the airline, XXXX XXXX, but the airline says they can not issue a refund because it was booked through XXXX business and they, therefore, hold the money. XXXX keeps giving me the runaround and has been unhelpful in every regard. I was even hung up on by one of their managers when calling in for more information, despite me being kind about the ordeal all I did was ask questions about how to get this resolved, there was absolutely no reason to hang up on me. I have tried every avenue to get this sorted amicably outside of court, as I would really prefer not to have to go to court, but I will sue if I have to. 

Chase has been helpful, but said they " can't confirm you're due a credit because the services you purchased were received or available to use '' despite my giving all information about the situation via phone through numerous phone calls, and sending in all documents with clear evidence about all cancelled flights and the cancelled trip including but not limited to : emails from XXXX stating all delayed and cancelled flights, documents of receipt and proof of purchase on all accounts, scanned images of the tickets, itinerary numbers, as well as documented evidence of the United States Federal Aviation Administration ground stop order on the morning of XX/XX/2023 that led to the start of this whole ordeal. 

I should not have to pay for a trip I did not get to take because the AIRLINE kept cancelling my flight. It's distressing that nobody is willing to help me with this. I understand Chase can only do so much, but it's ridiculous their " findings '' state that the services were received DESPITE having CLEAR evidence that I did not, in fact, receive the services. 

I have sent in a demand letter to XXXX, and have filed a fraud report with XXXX, a Consumer Complaint to the office of the Attorney General, and will move forward with a lawsuit if needed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX -Date Opened XX/XX/XXXX Account Name : XXXX  - Account Number : XXXX -Date Opened XX/XX/XXXX Account Name : XXXX  - Account Number : XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Account Number : XXXX -Date Opened XX/XX/XXXX Account Name : XXXX  - Account Number : XXXX -Date Opened XX/XX/XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this on my own behalf. everytime i send something to the credit agencies they saying its someone else. The XXXX account on my credit report is not accurate and I attempted to show communicate this to them as well as the Reporting agencies. 

I have never been late. 
The reported me as a 90 day late when I was on payment deferment. 

My payment deferment started in XX/XX/XXXX and went through XX/XX/XXXX. They reported me as 90 days late in XX/XX/XXXX. 

This is impossible. 

Also if this was the case it would have also shown progression on my report from XXXX with a 30 day late and then a 60 day late and them 90 day late which the report doesn't reflect either. Please update the report to reflect on time payment. 

This was also during the covid time when all education loans are to be reported positively as well.
Product: Credit card or prepaid card

Bank of America has started random credit checks on open accounts again, similar to the practice they did in 2008. Based on the information they receive, regardless of payment history, they lower your credit limit to just above your current balance or close your account. This practice significantly changes your available credit to debt ratio which impacts your credit score greatly.
Product: Credit card

For the months of XXXX and XXXX I have contacted Citi Bank about my Home Depot credit card and the remaining promotional balance of my account. I requested multiple times the amount paid go towards the promotional balance of my account. The request was taken and applied to my knowledge. As to verify and confirm, at the beginning of XXXX, I called Citi Bank to verify the total amount that would need to be paid to complete the promotional balance on my account. The representative gave me the amount of {$2300.00}, which I paid. Now in XXXX I see I was charged for the interest on the promotion. I called Citi Bank and they told me that the representative in XXXX must have misspoke because I still have an amount on my promotional balance of {$310.00}. I informed them that I have been very attentive on this and why I called in to verify my payment and that the promotional balance would be paid in full after my payment of {$2300.00}. Citi Bank refused to make any changes to my account to correct the problem and even went as far as saying I would not be speaking with anyone else on the matter and I would have to fax or mail a letter. I find this whole situation very frustrating and disturbing. The fact I hold up my end of the bargain and pay exactly what I was informed to pay and still be charged for interest that is 100 % avoidable is egregious. It feels very illegal and should be investigated.
Product: Mortgage

I refinanced a mortgage with a different company and the title company sent wire transfer to payoff existing mortgage confirmed receipt on XX/XX/XXXX. Amount exceeded mortgage payoff by XXXX ( as estimated by refinance company ). Original mortgage company determined the excess and is withholding remitting the overpayment to me for 21 days arbitrarily stating CFPB policy requires them to hold the funds for 21 days in the event the bank reverses the payment yet wire transfers do not have the same 21 day reverse window that other payments like personal checks have. Therefore Caliber is withholding XXXX for 21 days unnecessarily and refuses to send funds any earlier. State at 21 days they will then " mail '' a check to me by regular postal mail only which gives them even longer to hold my money interest free. Even if you can not resolve this for me personally, I believe mortgage companies obviously need even stricter regulations to prevent them from abusing the consumers by withholding substantial funds for extended periods to further enhance their profitability and cash flow at the expense of the consumer. Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding my credit card account ( account number ending in XXXX ). From XXXX to XXXX [ year ], I was XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) due to a XXXX XXXX XXXX. During this period, I was XXXX  unable to manage my financial obligations, resulting in missed payments on my XXXX account. 

I have been a responsible and diligent customer of XXXX for many years, maintaining a positive payment history prior to this XXXX XXXX However, due to my unforeseen and unavoidable XXXX XXXX I was unable to make timely payments. 

I am requesting a goodwill adjustment from XXXX to remove the late payment marks from my credit report, considering the extraordinary circumstances of my XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unfair reporting of their credit information. While the FCRA does not specifically address XXXX XXXX it does emphasize the importance of accuracy and fairness in credit reporting
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. Please update the accounts to reflect correct status : XXXX XXXX  XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

I noticed a charge on my card from XX/XX/2020 for {$240.00}. I noticed it in XXXX and immediately called Capital one. I filed a dispute and receive a letter dated XX/XX/2020z the letter stated that the charge was not fraud because the card was used after the date I report it lost or stolen. The last transaction on my card account was the transaction in question. When I called to dispute the letter, I was told there was nothing that could be done because they did not find any fraud. I did not purchase anything after XX/XX/2020. I should not be held responsible for this charge. I feel like my credit card so pant let me down. I refuse to pay for something I did not purchase. Where do I go from here?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided evidence to XXXX and to ECMC over 6 or 7 times and they have refused to remove the information thats well over the amount of time allowed by law.
Product: Checking or savings account

I opened my new Truist business checking account online with a {$400.00} bonus promo code XXXX on XX/XX/2023. 
The bonus trem : Earn {$400.00}. Open a new Truist Simple Business Checking or Dynamic Business Checking account online or in a branch from XX/XX/2023, through XX/XX/2023. Within 30 days of opening the new business checking account, you must : Make Qualifying Deposits* of {$1500.00} or more into your new account. 
I established a brand new business with a EIN to open this new Truist business checking. This is my first EIN and first time apply Truist business checking account. I did two qualifying deposits of {$1500.00} into my new checking account within 30 days of account opening. 
I meet all requirement and my {$400.00} bonus still not post to my account. 
I called Truist customer service and still no bonus post to my account.
Product: Mortgage

I have been trying to get a satisfaction of mortgage letter for over FOUR months. Numerous phone calls with NO RESULTS. Closest thing I received is a verification of mortgage letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX a collection from XXXX XXXX/XXXX XXXX appeared on my credit report dated XX/XX/XXXX. I disputed the item because I had no knowledge of the account. The account was then updated to paid/closed. Last year Experian and XXXX XXXX started to report the account as delinquent and each month since then the account is reporting charge-offs even though the account says paid/closed. I tried to dispute the account again as it is almost 8 years old, but Experian will not allow me to stating it was disputed in XX/XX/XXXX. They have now updated the account to show 64-charge-offs since XX/XX/XXXX and it has drastically reduced my credit. I went from a good score to poor because of this account. I have no way of disputing it and the account is well past the time allowed to remain on my credit profile. Experian is the only credit report showing this unknown debt and each month reports it as a past-due payment.