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

I am writing to express my deep frustration and disappointment and to follow up regarding the numerous unsuccessful attempts to correct late open account on my credit report. 
Despite multiple communications and efforts on my part to rectify this issue, it remains unresolved, causing significant distress and harm to my financial standing. 
This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt and effective resolution. Over the past several months, I have made repeated attempts to address the presence of late open account on my credit report. Despite following the proper procedures outlined by Credit Bureaus and providing all required documentation, the late open account persist inaccurately. I have contacted your customer service department on several occasions, spending considerable time and effort to resolve this matter, yet to no avail. Kindly help me correct the account immediately : XXXX XXXX XXXX Balance Owed : {$15000.00}.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Code Title 15, Chapter 41, Subchapter III, Section 1681i is specific to the Fair Credit Reporting Act ( FCRA ) and outlines the procedures to be followed by credit reporting agencies when handling disputes regarding the accuracy of information in a consumer 's credit report. It has been more than 30 days.

Section 1681i sets forth the timeline and requirements for conducting investigations and resolving disputes. Specifically, it states that : 1. Within 30 days of receiving a consumer 's dispute, the credit reporting agency must conduct a reasonable investigation to determine the accuracy of the disputed information.

2. The investigation should include reviewing relevant information provided by the consumer, communicating with the furnisher of the information ( e.g., the creditor or collection agency ), and verifying the accuracy of the disputed information.

3. If the investigation finds that the information is inaccurate or can not be verified, the credit reporting agency must promptly delete or modify the disputed information from the consumer 's credit report.

4. The credit reporting agency must provide written notice to the consumer of the results of the investigation and any actions taken to modify or delete the disputed information.

5. If the consumer 's dispute includes supporting documentation, the credit reporting agency must consider that information during the investigation.

6. The credit reporting agency should provide the consumer with a free copy of their updated credit report if changes were made based on the investigation.

If the credit reporting agency fails to comply with the requirements of Section 1681i, it may be subject to penalties and potential liability for damages under the Fair Credit Reporting Act.

By referencing 15 U.S. Code 1681i in your dispute letter, I am asserting my rights under the Fair Credit Reporting Act and requesting that the credit reporting agency adhere to the appropriate procedures to resolve the dispute within the prescribed timeframe. 


Name of Account : XXXX XXXX XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXXXXXX XXXX  XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXX XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX  Account Number : XXXX XXXX XXXX ] Name of Account : XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX - XXXX XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXXXXXX XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXXXXXX XXXX  Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX XXXX ] Thank you in advance for your help.
Product: Prepaid card

Brinks prepaid card/ netspend closed my account several months ago, yet they are holding the remaining funds in my account- {$520.00}. I would like a check issued for the remaining balance. My account number ends in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my husband and I applied for a mortgage loan with XXXX XXXX. The loan officer stated that our credit scores were too low to obtain a mortgage loan even when he uses the middle score from all three bureaus. Also, on today, XX/XX/2020, we applied for a mortgage loan with XXXX XXXX through XXXX XXXX with the same results. This complaint is against Equifax Credit Bureau, who shows my credit score as XXXX. However, when the mortgage loan officers check my score then Equifax is reporting XXXX. This different span of scores is affecting our ability to purchase a home and makes Equifax in violation of the Fair Credit Reporting Act. I have attached the scores reflected by Equifax via XXXX XXXX.
Product: Credit card or prepaid card

I have called Discover three times to get this straightened out. I called and agreed to pay {$26.00} and they would waive the late fee. I did it. via phone pay. They did not waive the late fee. I got another bill for {$26.00} late fee. I called. They said the would waive it. I got another bill with two late fees. They keep charging me a late fee. The account should have been zeroed.
Product: Money transfer, virtual currency, or money service

I have been trying to get in contact with customer service with Cash App and nobody is ever available. My money has been taken for my account and I cant talk to anybody to get this problem solved.
Product: Credit card

On XX/XX/2023, I made a {$4000.00} promotional balance transfer to my Chase credit card and was charged a {$200.00} fee. 

The XXXX statement correctly shows the balance transfer promo balance, but in XXXX the balance disappears. From that point on I have been charged an interest fee on the entire balance of the card. 

After contacting Chase, they are stating that because a made a purchase, and because I didn't pay the entire balance of my card off, including the balance transfer, I forfeited the right to the balance transfer promo rate. 

I completely understand losing the right to the grace period on purchases, but it doesn't make sense that I should lose my promotional rate that I had to pay {$200.00} to receive.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I have inaccurate information on my credit report. It is really affecting my well being. I called all three credit bureaus to get some directions on how to fix this issues. They did not help me. I have collections and charge offs of accounts that I never applied for. If there is anything you can do to help my situation it will be greatly appreciated. My information was also involved in the XXXX data breach. 
Thank you.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXXXX/XX/year> XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$16.00}, XXXX XXXX XXXX  XXXX XX/XX/XXXX {$8600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1100.00}, XXXX ( Original Creditor XXXX 01 XXXX XXXX ) XXXX XX/XX/XXXX {$310.00}, XXXX XXXX  ( Original Creditor : 12 XXXX  XXXX NA ) XXXX XX/XX/XXXX {$410.00}. Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones Failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and inrequest your assistance in investigating this matter to ensure Mt rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has submitted a late payment concerning my XXXX XXXX XXXX XXXX card to the credit bureaus without my consent. This posting was made for the month of XX/XX/XXXX. I spoke with the creditor in XXXX and XXXX of XXXX, and they stated that no changes would be made to the account or the report. 

Comenity Bank has reported a late payment concerning my Victoria Secret credit card to the credit bureaus without my consent for the months of XXXX and XX/XX/XXXX. I spoke with a Comenity Bank representative on XX/XX/XXXX and she stated she was unable to make any adjustments to the account or the report. No explanation as to why was given. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

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

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

removed connsumer statement and fraud alert without consent on credit report while chaging address to a Michigan address that no creditor is reporting. 

I reported a change of address to all creditors in XXXX, XXXX, XXXX, and added consumer statement with fraud alert in XXXX of XXXX  and that was deleted along with fraud alert.
Product: Mortgage

I tried 7 ti  mes to obtain a loan modification for my Citimortgage loan and was declined time and again until the last attempt. When I read the " fine print '' buried in the agreement I discovered that there was no actual relief granted to me. All the bank did was defer a portion of my balance so that I would have a nearly {$250000.00} balloon payment in 15 years.
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I 've enclosed a copy of the letter I recently sent to Citibank by certified mail demanding a recasting of the terms of my mortgage because of the mistreatment I received during my countless efforts to get mortgage relief. My letter was ignored by Citibank.
Product: Payday loan, title loan, personal loan, or advance loan

A payment was made to the company Service Financial Inc.however since XXXX they have been sending recorded messages that they have not received payment. Then forwarded to them a screenshot from the bank that shows date paid and date of withdrawal from my account. Yet no one knows where the payment is from this company
Product: Checking or savings account

Part of Navy Federal XXXX  program and was charged surprise overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with XXXX XXXX XXXX XXXX  This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681 1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

They have been sending statements since a few years ago, I thought I closed the account in early 2022. I have a pdf of the last statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Mortage a Division of Midfirst Bank in Oklahoma held my Mortage Acct XXXX XXXX for a few years. During this time they sent in a negative credit report for an alleged late payment that had to be corrected by them. Now again they have negatively impacted my credit by putting in 3 months of late payments on the Big 3 credit Bureaus for XXXX, XXXX and XX/XX/2023. My loan was paid off on XX/XX/2023 with the sale of my home. I also called them prior to the sale of the home to inform them that this sale would be going thru and asked if I needed to make a payment in XXXX and the agent stated that as long as it was paid in full by XX/XX/ that it would be fine and that he would note the account. Clearly this didnt happen on Midlands parXXXX. I called Midland today and spoke with an agent and she stated that their system doesnt show any negative reporting but sometimes things happen and she would note the account accordingly. I am working with XXXX XXXX now trying to finance a new home and these negative impacts have me at a stand still until resolved because their credit pull reflects the 3 recent late payments on a paid off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit on XX/XX/XXXX and I noticed that there were multiple accounts and inquiries on my credit profiles. I became aware that my XXXX  account has a XXXX account ( Account number XXXX ), XXXX  XXXX  XXXX XXXX XXXX ( Account number XXXX ), XXXX  XXXX   XXXX  XXXX XXXX ( Account number XXXX ), and XXXX  XXXX  XXXX  XXXX XXXX ( Account number XXXX ) and has the following inquiries : XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX c XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX   XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XXXX  XX/XX/XXXX I became aware that my XXXX  account has a XXXX XXXX XXXX account ( Account number XXXX ), pheonix financial service ( account number XXXX ), pheonix financial service ( account number XXXX ), pheonix financial service ( account number XXXX ), XXXX  XXXX   XXXX  ( account number XXXX ) and has the following inquiries : XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX   XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX/XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX XX/XX/XXXX ; XXXX/XXXX  XXXX   XX/XX/XXXX ; XXXX/XXXX  XXXX  XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX  XXXX XXXX  XXXX XXXX, XXXX ; XXXX/XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX I became aware that my XXXX  account has a XXXX   XXXX XXXX  account ( Account number XXXX ), pheonix financial service ( account number XXXX ), pheonix financial service ( account number XXXX ), pheonix financial service ( account number XXXX ), XXXX XXXX XXXX ( account number XXXX ) and has the following inquiries : XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/2020 I received an alert from the credit bureau advising me that a collection had been placed with my account with IC Systems. I immediately found the name of the medical group that sent IC Systems the account and made the payment directly with them. The payment was made with XXXX XXXX XXXX on XX/XX/2020 in the amount of {$120.00} 9 ( confirmation # XXXX ). I called IC Systems on XX/XX/2020 and asked them to remove the collection off of my report because the account was not settled with them. It was settled directly with the XXXX XXXX so they didn't need to be reporting a collection anymore. I provided them with all of the information ( date payment was made, the amount, and confirmation number ). I called them again on XX/XX/2020 to see if this had been resolved and they stated that it still remained and was waiting on XXXX. I called XXXX and advised them that the collection company was still reporting a debt and that they needed to contact them to remove it. They advised they would send the needed information to IC to have them pull the account from the credit bureau. Yesterday XX/XX/2020, I received an alert stating that IC System not only hasn't removed their account on my credit report but they updated the payment status to paid/improved. So they made an update with the credit bureau but did not REMOVE the account. I did NOT pay them I pay the medical group directly and owed no balance with IC. XXXX  removed from credit report on XX/XX/2020 when I showed proof of payment directly with the medical group and they removed the very same day. XXXX  will NOT remove this from my credit report even with proof. This is shady as XXXX and I'm really irritated. It's affecting my credit score and need to be REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

i cancelled an account with XXXX XXXX  10 times in XXXX  never received goods or services before or after XXXX, i have sent multiple emails to XXXX XXXX i tried using the pass once but it did not work have written to collection agency for XXXX XXXX stating the above i am getting mail from a 2nd debt collector Jefferson Capital dept XXXX XXXX XXXX XXXX, AL XXXX also received collection letters from XXXX XXXX statement date of original charge XX/XX/ for {$780.00} i have written to XXXXXXXX XXXX to dispute the charge. in response they sent me to a 2nd collection agency jefferson Capital address is above i have been disputing this charge by email and regular mail i have called XXXX XXXX and XXXX  to dispute the charge
Product: Mortgage

Wells fargo and it's agents were very pushy and uninformative when it came to telling me anything regarding my loan. I felt like I was being scammed out of my home.
Product: Debt collection

On Friday, XX/XX/2021 I was contacted by First Financial Asset Managment. I was told that I owed money due to an accident that I had. I was lead to believe that if something wasn't done that there would be legal action taken against me. I was told to take the weekend and figure out my finance and callback in. 

On Monday, XX/XX/2021 I called back to First Financial Asset Management and I was told they refused to acknowledge that they were in fact a debt collection agency. They continued to say that they work for XXXX and they were simply just trying to confirm the balance and make arrangements on my account. I then said to them that if they are attempting to collect a debt then they are in fact acting as a debt collector. I was told that they did not have to follow the FDCPA, which was why they continued to make false and misleading statements. Instead of stopping the activity they lied about who I was speaking to and refused to transfer me to a supervisor. 

Finally, when I was transferred to a Supervisor he hung-up on me because he refused to take a {$5.00} payment over the phone. He stated that the minimum amount he can take over the phone was {$50.00}. This is after the employee said the minimum was {$100.00}. The company wanted me to set-up {$75.00} payments for two months and then they discuss other options later down the line. I told them I wasnt interested in doing that because my financial situation would not allow me to pay that much. 

This company is full of collection bullies. They spend there time trying to make themselves sound like lawyers and trying to set the belief that the matter is going to escalate when that wasn't what they were hired for. They use deceptive wording such as " claim number '' when in fact the account number is a file number in their office. 

Please request access to all calls. Even when they were told of my intent to file a complaint they didnt back off. Instead they got angry and hung-up on me. 

Please stop this company from abusing consumers!!
Product: Checking or savings account

I opened the account for the enhanced deposit bonus on XX/XX/year> and made enough deposits of {$3000.00} on XX/XX/year>, but citi claims I didnt make enough deposits for the {$350.00} in time even though customer service representatives confirmed it.
Product: Debt collection

A company openned a collection account on my XXXX Credit bureau. I do not know this account. However, I do have one idea who it is. XXXX XXXX XXXX  was warned, they called me at XXXX. I filed a complaint with the company. The violated they violated the FDCPA by calling me at XXXX. I have it documented. This account was disputed and I believe they are violating interest rate usury rates.