23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have been banking with Chase since I was in XXXX XXXX and used their platform that was called " quickpay '' since at least XXXX. Around that time, I added my friend to my quick pay contacts using his phone number that was connected to his bank account. We would send each other money all the time with no issues. At some point in the last 10 years he changed his number, he updated his bank information to the new number. I added his new number to the " quick pay '' system and we continued using the service. 

At some point in the last 10 years Chase changed their platform from " quickpay '' to " XXXX '' and transferred all the contacts to the new platform.In XXXX XXXX  XXXX I needed to send him {$5000.00} ( the limit for a transaction ). When I opened the portal and typed his name his old contact showed up under his old number. I recognized the number since it was his old number and sent the money. A message showed up asking if I was sure, and I clicked yes. Later i realized what happened when my friend never got the money, it was sent to his old number. The number was picked up to a different person. So the money went to them. When i tried to call the number it kept saying it was not in service. Chase refused to return the money. 

They claimed that they tried reaching out to the person but weren't successful. They also refused to take any responsibility, even though they had the number connected to my friend 's account, and never notified or removed his contact when he changed his number. They claim that XXXX is a third party system and they have nothing to do with it. Even though when I added that contact it was still under their inhouse system called " quickpay ''.
Product: Credit card

I contacted TD Bank at the end of XX/XX/year> after I noticed multiple fraudulent charges on my card and the 2 authorized users. Two months passed before I reached out to TD Bank for a status update and they told me it was denied because they were charges I made in person with my credit card, which was completely untrue. They reopened the investigation and denied it again a few weeks later for the same reason. This is all in spite of the fact that I told them I had the credit card with me at all times in NJ and these charges were being made in CT and PA.
Product: Debt collection

XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This company is not licensed in Florida and this should not be on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a charge off account when payment was made before the normal 120 days of charge off.
I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off XXXX XXXX refuse to recognize their mistake.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against TransUnion for Failure to Correct Inaccurate Late Payment Reporting To Whom It May Concern : I am writing to formally file a complaint against TransUnion for its ongoing failure to correct inaccurate late payment information reported on my credit report for account XXXX, account number XXXX. Despite submitting multiple requests for correction, dated ( letters dated XX/XX/year> ), no changes have been made. This inaction not only disregards my right to accurate reporting but also violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), which mandate timely and precise updates to consumer credit files.

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account breaches this requirement. Furthermore, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this statutory requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity of accurate and timely disclosures to consumers. The misreporting of late payments on my account has directly harmed my creditworthiness, which TILA aims to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to provide timely statements, preventing unfair penalties to consumers. The inaccurate reporting of late payments on this account violates this protection and has unjustly impacted my financial standing. 
Payment History Discrepancies The account XXXX shows recurring inaccuracies across TransUnion, XXXX, and XXXX credit reports, specifically related to late payments. Each bureau reports multiple 30-day, 60-day, and even 90-day late payment entries, despite the account being closed, fully paid, and having a {$0.00} balance at the time. These errors persist across all three bureaus, affecting my credit profile negatively. Lack of Resolution Since Previous Dispute Despite multiple disputes submitted to TransUnion, each bureau has continued to report these errors without any corrective action. This inaction has resulted in prolonged harm to my creditworthiness and breaches both FCRA and TILA.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of all inaccurate late payment notations from my credit report, including assurances of corrected and accurate reporting across all three bureaus.

Written Confirmation : Please provide written confirmation of these corrections once the inaccuracies are removed.

If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate consumer protection agencies. 
Thank you for your attention to this matter. I look forward to a swift and accurate resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing because I noticed since last year XXXX  credit report contains a one late payment reported from Honda Financial on XXXX, 2017 for my XXXX XXXX  XXXX Account # XXXX I want you to know that I understand my financial obligations, and if it werent for my medical emergency ( XXXX XXXX and XXXX XXXX ) I had, circumstance that caused only one miss a payment, Id have an excellent repayment record. I made a mistake in falling behind, but since then, a leased XXXX more cars with Exceptional payment history with this company. 
Im planning to apply for my first time home buyer mortgage, and preparing for my renewal auto loan, and its come to my attention that the missed payment on my XXXX record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XXXX, 2017. I called, mail Honda Financial with no answer.

Thank you for your consideration, and I hope youll approvemy request.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name, address, date of birth, and Social Security Number ( SSN ). These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Social Security Number:XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX and i am personally writing this complaint under distress that the credit bureaus XXXX, EXPERIAN XXXX XXXX, are reporting negative accounts on my credit report that i di not consent of and this is hurting my credit score. I have tried to call and mail to resolve this issue with the reporting agencies and they refuse to help me. I am looking to buy a new home for my family and this credit score is hindering me from doing so, thanks to these improper reporting and inaccurate accounts. I need help and i ask PLEASE help me as i feel unsafe and unable to grow. They are not verifying or presenting documentations to prove. 

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
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am reaching out to formally address Equifax ongoing failure to correct inaccurate information regarding late payments on my credit report for my XXXX account ( Account Number XXXX ). Despite my repeated attempts to rectify this issue, including documented requests sent on XX/XX/year>, no action has been taken to amend the errors. This negligence directly violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and continues to harm my credit standing. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my Equifax report and other major credit bureaus : XXXX : Shows a 30-day late payment in XXXX and XXXX, and a 60-day late payment in XXXX, despite consistent on-time payments. 
XXXX : Similarly, reflects a 30-day late payment in XXXX and XXXX, and a 60-day late in XXXX. 
Equifax : Reports 30-day late payments in XXXX and XXXX, and a 60-day late payment in XXXX. 
Nothing has changed despite two previous disputes with Equifax and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my Equifax credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies may not report outdated negative information.Some of the information on my background is over seven tears old.To be exact the information they reported is from XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX!
Product: Credit card or prepaid card

I do not HAVE A BANCO POPULAR Credit Card!!!! I have a " XXXX XXXX '' Card and Banco Popular has been fraudulantly reporting charges on my account as a representative of XXXX XXXX and they are not XXXX XXXX. XXXX XXXX is my mortgage company and does not offer credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending several emails and leaving even more voicemail ( s ), I have yet to get the hard inquiries from Compass Bank removed from my credit report. I have a total of ( 5 ) There 's no way I filled out the same application 5 times. This is not me, I 'm not sure if my credit is ran by default to check updates on my report, I 'm not sure but I would n't apply for Compass Bank, I 've been with XXXX XXXX XXXX for almost 2years, this cant be right. 

XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The collector callled me daily for several days even though I told him each that at the moment the options they are offering would not work. I asked him to stop calling and that I would give them a call once I had an offer to make. He continued calling daily and called my work phone number ( see above ) during business hours ( XXXX on XX/XX/2017 ). It is the same individual that continues to call me ( XXXX or XXXX ) even though I 've repeatedly asked him to stop.
Product: Debt collection

6 months ago after moving to NC I changed my cell phone carrier to XXXX and was assigned a new phone number : within days I received a phone call from XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Calif. - they asked to speak to a person I didn't know ( I don't remember the name of the person they asked for but it was not me or anyone that I know ). I explained that the person they wanted was unknown to me. The response was " if you see him tell him to call us '' then they hung up. 

They continued to call me on a weekly bases so I blocked their number - ( XXXX ) XXXX XXXX - within days I received a voicemail from : ( XXXX ) XXXX XXXX the message requested I call the 866 number concerning a financial issue. I did not call since I had already talked to them and they did not believe I was not the person they wanted. 

For the past month I have been receiving a daily voice mail from the same 800 number. This has become harassment. 

I have never done business with XXXX XXXX XXXX and do not have any loans on my cars - I do not have any financial issues with anyone I do business with. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> in the amount of {$690.00}. 

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Payday loan, title loan, or personal loan

American FIrst FInance - ( XXXX ) XXXX There are recordings of me making payment arrangements and they continuously keep taking out more than agreed upon. I advised them that I was reporting them for continually pulling out more money than agreed upon. I have stopped paying them due to them constantly compromising my banking account.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX.
Product: Credit reporting or other personal consumer reports

reporting claim information on my XXXX report wrong. I was never paid {$50000.00} for a claim. i called the agency and disputed the records
Product: Credit reporting or other personal consumer reports

I have a XX/XX/XXXXXXXXmonth subscription with Equifax to receive a credit report required by my bank for my mortgage. I am paying this subscription ( most recent payment XX/XX/year> ) but can not utilize Equifax 's credit report service, the error msg I receive is : " We are temporarily unable to provide your credit score. Please try again later. '' I have tried to speak to Equifax but have been unable to speak to a person, I get passed around robots and am told my issue will be escalated but nothing happens.
Product: Checking or savings account

I am filing a complaint regarding the handling of my refund for returned merchandise purchased from XXXX and the subsequent lack of support from Navy Federal Credit Union. 

XXXX. XXXX XXXX XXXX - I returned items to a XXXX XXXX and was not issued a refund. 
- I contacted XXXX customer care, who created a ticket regarding my issue, but I never received any follow-up communication. 
- The clerk who assisted me at the store was unable to provide a receipt due to a malfunction in their system, but she did provide me with a tracking number for the return. 
- I have confirmed that XXXX has received the merchandise and I am requesting my funds to be returned to my account. 

XXXX. XXXXNavy Federal Credit Union : ** - I contacted Navy Federal regarding this issue to dispute the lack of refund. 
- They informed me that they conducted an investigation but concluded there was no error, despite my evidence and the circumstances surrounding the return.
Product: Mortgage

In XX/XX/2019 I was not able to make my payment on time. I am a self employed and the beginning of the year was really slow for me. I am now current and up to date with my payments. I would like this late payment removed because it hurt my credit score about 40 points. The amount missed was {$1100.00} and that dropped my credit score 40 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted a one time forgiveness for a late payment that was posted on my credit one credit card XX/XX/. We have tried multiple times with my credit card company to have the credit reporting agency to remove the late mark and they have not done so, I also have a letter from my credit card company stating the remark is supposed to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Recently, I applied to refinance one of our properties and your name was listed with derogatory payment history. 
After calling your polite agent, she informed me that the account number XXXX was listed under my social security number ; last four digits XXXX with XXXX XXXX and XXXX XXXX as the account holders. I have a son XXXX but we live here in California. 
The address in question is XXXX XXXX XXXX in XXXX, XXXX XXXX and the purchase price was {$580000.00}. I am notifying XXXX XXXX of this fraud and would like to file a fraud case against this file, the people living at the address or anyone who was part of this transaction. I have never owned, applied or filed for a loan for that property or any property in XXXX XXXX or anywhere outside of XXXX with XXXX XXXX XXXX, XXXX or any other company. 
What are my next steps? What are your procedures in handling this fraudulent account? I understand the loan was passed to XXXX XXXX in XXXX, so they are next on my list to contact. XXXX XXXX, however, initiated the loan in XXXX of XXXX and so I am starting with that company as they are the responsible party of the initial fraud. I would like to know the loan officers name who authorized and approved the loan and what means of identification were used to obtain the loan? 
I can be reached at ( XXXX ) XXXX or email ; XXXX. Please contact as soon as possible as to your intentions. A police report has been filed in my city of XXXXXXXX XXXX. This has caused me hundreds of thousands of dollars in higher interest, insurance fees and denials of loans.
Product: Debt collection

I have a credit card tied to my account that I do not recognize at all. According to the FCRA inaccurate information mist be removed. Currently I am awaiting compensation from the XXXX data breach that took place during the pandemic my personal information was exposed. I was not aware of any of this until I seen it on my credit report. Also, l 've sent in multiple dispute letters and also identity fraud accusations with an open dispute with identitytheft.gov.
Product: Debt collection

I have filed identity theft police report and this is the information regarding my police report Police report number : XXXX. Filed on XX/XX/year> XXXX XXXX police department. 
The Account number on my credit reports : XXXX Re : Dispute of Alleged Debt and Demand for Verification. I vehemently dispute this debt and demand verification of the account and purchase agreement. 
Demand for Verification : 1. Provide the original contract or purchase agreement bearing my signature.

2. Verify the account information, including account number, dates, and amounts.

3. Furnish documentation proving I incurred this debt.

Burden of Proof : You must provide conclusive evidence linking me to this debt. Failure to do so will result in : Immediate cessation of collection activities.Notification to the credit bureaus to delete this account.

Filing a complaint with the Federal Trade Commission ( FTC ) and and Fair Debt Collection Practices Act ( FDCPA ) : Your agency 's actions are subject to 15 U.S.C. 1692. Failure to comply with FDCPA requirements will result in further action.

15 U.S.C. 1692g ( Validation of debts ) 15 U.S.C. 1692e ( False or misleading representations ) XXXX XXXX
Product: Credit card or prepaid card

I have completed my do not market with the XXXX XXXX XXXX. I have also filed my information with the opt-out pre-screen asking for American Express to discontinue all marketing to my addresses. I have made this request directly to American Express and it has been ignored. I have filed several requests using opt-out pre-screen and have asked CFPB to have American Express stop all marketing. mr requests are repeatedly ignored and i am being treated as less than.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request you to eliminate these records and update my credit report accordingly.