23daVinci/CFPB_Complaints huggingface dataset:
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, Waypoint resource group : XXXX, XXXX : XXXX has violated my rights.

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 a 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 or other personal consumer reports

yes under the 15usc 1681 the loan on my credit report has been ask to be investigated over over again they sent back just a plain credit report they didn't investigate properly neither did they remove it from my credit report i have sent them letters over over again and under the fair credit act i have the right to no how the situation was investigated and why is it still on my credit report neither of these things was done i will appreciate if they remove this negative items from my credit report its hindering my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

They said the information was right and it wrong
Product: Prepaid card

The Social Security Administration had informed me that they had sent my payment to Metabank/Netspend on Wednesday, XXXX XXXX, 2015. Usually it 's available the moment it 's sent, but has not been since. They are giving me the runaround saying it is not available when SSA is saying it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my complaints and disputes XX/XX/2022, on XX/XX/2022 experian sent an email stating they were investigating, in their response to this complaint they then stated they received the challenges XXXX XXXX XX/XX/2022, I will attach the email they sent me on the XXXX of XXXX. Again they ( experian ) are committing fraud and misrepresented information deliberately. They have staff who are directly attempting to sabotage my credit report for personal gain, my complaints and inquiries continue to go to the same staff who refuse to adhere to federal and state mandated legislation. They should be sanctioned and reprimanded forthwith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a residual interest charge of {$11.00} on my XXXX statement for the time between when Chase banks previous billing cycle closed on XX/XX/XXXX, and when Chase received your full payment of {$1700.00} on XX/XX/XXXX. 

When I made the payment of {$1700.00} it created a credit balance of {$12.00} on my Chase account, which was refunded to me on XX/XX/XXXX. Because the refund was prior to the residual interested billed on XX/XX/XXXX, a balance became due on the account. Since the account was on AutoPay, Chase attempted to process payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for the balance ; however, the payments were returned due to stop payments placed. 

During Chase Banks review of the information I provided, Chase found that I was incorrectly advised by a Chase banker to ignore the alert we sent about the balance owed on the credit card account. Chase told me, on XX/XX/XXXX, that because of this error, Chase submitted a request to the credit reporting agencies to remove the tradeline from your credit report. 

It is now XX/XX/XXXX and bankers are still able to see a " late payment or negative record on my credit report. '' I know this because my request to increase my credit limit has been declined, and a credit banking specialist told me it was because of this reason. If my credit report has actually been fixed, then why is it that bankers are able to see an issue with my credit report on their end?

I requested a credit increase at both Chase, and XXXX XXXX- and both were denied. I requested a credit increase with Chase on XX/XX/XXXX as was denied. I want to know : why was I denied? Ironic, that Chase denies my credit limit increase with their own bank, because of a negative record on my credit report that was caused by a Chase bankers error. 

I have been dealing with this since XXXX. XXXX Chase misguides me and hurts my credit for most of the year, and now after they tell me that its been fixed bankers actually still see an issue. I want whatever the bankers see as a negative record actually, literally, and immediately removed. Sufficient time for my credit report to be updated ( on the bankers end ) without a negative record has passed. 

The thing is that, when I look at my credit report, it seems perfect and I have excellent credit ( as it should be. ) But bankers at Chase, and at XXXX XXXX, apparently see something different, which is making them believe I have a negative record - and this is the problem. This should not be the case. I should have no negative record at all. Any negative record that even existed at all is because an error a chase banker made, and that they " resolved. '' My problem is with Chase bank- they caused this issue, penalized my credit, and then still haven't done what is necessary to see that the record is removed so that I can enjoy the privileges of somebody that has excellent credit.
Product: Credit card or prepaid card

I have a best buy credit card thru citibank after my house hit my credit report they lowered my credit limit from XXXX to XXXX when i was carrying a XXXX balance now i am almost over the limit. I was not informed by the creditors this happened and called to find out why all they told me was because of my credit report. Now my score is lowering because i am over the limit on the card. Reps at bank just said the only way to go back is to re apply. Which i do not want to do since they just raised it 2 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am action on my own behalf and HAVE NOT hired a third party to settle this dispute. This dispute was not done in error.

Let this be known to all that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX  XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

XX/XX/2021 someone from Iowa fraudulently charged by Milestone Gold Mastercard {$270.00} for two pairs of shoes at XXXX. I was completely unaware of the transaction until my bill came in the following month. When I called, the company promptly issued a new card and promised to investigate the matter. 

On XX/XX/XXXX, they determined that I made the purchase even though the buyer used a different email address and misspelled my name and city, but they determined that I made the purchase and sent it to a complete stranger in a state I've never set foot in and had no known friends or relatives. 

I was dumbfounded by the gross incompetence displayed, but the hour-long phone call with their customer service reps didn't produce any results other than skirting responsibility. I reluctantly paid the balance and canceled the new account with them. At this time, I'm reaching out to the CFPB to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mosaic has reported to the credit bureau that I was 30 days late in XXXX of 2021 which have resulted in my credit score dropping. We have contacted them so many time with no avail. My wife pays this bill every month that's why when I call I put her on the phone to talk to them. They are still saying we were 30 days late which is not true. Enclosed you will find copies of bank statements with payments paid to them on this account.
Product: Debt collection

I am writing to file a complaint regarding an account from XXXX XXXX XXXX XXXX XXXX that has been reported on my credit report. I would like to state the following : I have never received any communication or notificationincluding a debt validation XXXX XXXX XXXX XXXX XXXX XXXX regarding this debt. 
The collection account is now appearing on my credit report, but it does not provide any details about the original creditor or the nature of the debt. 
As per the Fair Debt Collection Practices Act ( FDCPA ), I understand that I should have been notified about this debt, and given the opportunity to verify its validity. This has not occurred. 
I kindly request that this issue be investigated, and the necessary actions be taken to either validate the debt or remove the collection account from my credit report. 

Thank you for your attention to this matter.
Product: Debt collection

I had an American Express business credit card that was involved in credit breach and someone got my number and made fraudulent charges. I tried reaching out to company and they sold the debt to XXXX. I never verified the debt and it was fraud so I filled an FTC report. I was not removed. These charges are inaccurately reporting on my credit.
Product: Mortgage

On XX/XX/2021 I submitted paperwork to agree to a deferral after I had previously participated in a Covid payment forebearance program. I submitted all forms and appropriate payment. This payment was withdrawn from my checking account at Bank of America on the XXXX but not applied to my mortgage. Currently my account shows a late fee for XXXX and no payments have been applied although the statement clearly shows Unnapplied funds for 2 payments timely made. 
I have made numerous calls to Bank of America Mortgage and each time I am reassured the account will update in a few days. NOTHING EVER GETS DONE. This has been going on for the entire month of XXXX and nobody, no matter how polite they reassure me something will get done, nothing gets credited. They certainly were able to get the money from my checking account however.
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I am writing to file a complaint against U.S. Bank for failing to remove a fraudulent account from my credit report despite my repeated requests. This account was opened fraudulently due to identity theft. I have attached a police report and an FTC Identity Theft Report as evidence.

The fraudulent account showing on my Credit report is : Account name : US Bank Account number : XXXX Under the Fair Credit Reporting Act ( FCRA ), U.S. Bank is required to remove fraudulent accounts from my credit reports. However, U.S. Bank has not complied, severely impacting my life and credit. I request your assistance in ensuring that U.S. Bank complies with the FCRA and promptly removes this fraudulent account from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate I was involved in a car crash, which resulted in my car being totaled and Gap said it wouldn't cover my claim due to them stating it was a DUI. Later to find out it was not a DUI and the gap still hasn't covered the remainder of the bill. I have provided the conclusion of the court case, proceedings and gaps bill. 
2. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 4. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 5. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate 6. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate
Product: Debt collection

In XX/XX/XXXX, I was notified via my credit reports from XXXX, XXXX and XXXX, that I owed allegedly owed a debt to the collection agency, FAIR COLLECTIONS & OUTSOURCING. Since that time, I have attempted to have this debt validated by the XXXX credit bureau and by the collection agency at no resolution. I have disputed this debt with XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And I have sent letters to the collection agency disputing this debt and requesting valuation of this debt. I have never received any correspondences. At this point, this false information is detrimental to my credit status and my ability to obtain credit. I want this information deleted from my credit bureau report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$450000.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXX  XXXX Balance : {$4700.00} XXXX  XXXX XXXX Balance : {$630.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$450000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$620.00} XXXX  XXXX XXXX Balance : {$700.00} - tied up XXXX XXXX  XXXX Balance : {$4700.00} XXXX  XXXX XXXX Balance : {$630.00} - XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/18 a letter was sent out from Nationwide Debt Management Solutions in XXXX, CA. It was regarding the tow and storage charges on a vehicle that was never registered in my name and that I was not in possession of at the time of the tow. I also went to DMV where they advised I was never a registered owner and not liable for the vehicle or any tow charges incurred. I called on XX/XX/18 to advise them of the information and that I would be disputing the debt in paper and send certified, return receipt, first class mail today which is within the 30 days I am given to dispute the debt. They then advised they would throw away any written correspondence and debt dispute letter I send and would go ahead with reporting this invalid debt to credit reporting agencies and mess my credit up. They also stated the DMV has no jurisdiction or say in who is liable for a vehicle. I asked if they had a judgement ( I was never served or notified of such a judgement ) and they stated it didn't matter they could ruin my credit with no judgement. I was also insulted in several different ways such as being told I am ignorant, XXXX, incompetent of understanding etc. My rights to dispute the debt are being infringed upon by being told my written dispute would be thrown away and told my credit would be ruined with no court order/judgement.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I sent a letter regarding inaccurate and unknown things in my credit report to on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account open from UNION BANK in my name which i never opened and i would like deleted from my consumer report and to stop being reported to XXXX The information linked to this account is a phone number which does not belong to me XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX which is not my address. This account was opened XX/XX/2017 and was closed XX/XX/2017 and still has not been removed from my consumer report despite it being fraudulently opened without my permission.
Product: Credit card

I was scammed from XXXX purchases made from XXXX using my Discover Card. Temporary credit was issued on XXXX XXXX, 2015. It allowed only 45 days for the merchant to reply, if not the case would end up in my favor. Discover Card reverted the credit PAST the 45 days on XXXX XXXX, 2015. I would like my credit back.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX FL, XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.