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

RE : Dispute Barclay XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXXXX I am writing this letter to let you know that I have disputed the information with XXXX XXXX and Barclay Bank remaining on my because it is outdated. I am requesting they be taken off my report because the First Dates of Delinquency on both the Barclay Bank ending in XXXX and XXXX XXXX account # XXXX XXXXXXXX XXXX are XXXX  XXXX as shown on my XXXX, XXXX and XXXX reports dated XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX ; this is correct The date of first delinquency was XXXX  XX/XX/XXXX, which means the account should be removed XXXX  XX/XX/XXXX. Yet all 3 bureaus All 3 bureaus are listing the date of first delinquency is XXXX  XX/XX/XXXX which is incorrect, and tbureaus have the removal date for these accounts as XXXX  XX/XX/XXXX which is incorrect ; the correct date of removal should show XXXX  XX/XX/XXXX. 

I have requested and disputed this continuosly. But all 3 bureaus keep saying the dispute is settle although the date is wrong. I am requesting assistance in getting these accounts removed from my credit bureau reports based upon the first date of delinquency XXXX  XX/XX/XXXX.
Product: Credit card or prepaid card

In mid XXXX, through the XXXX XXXX app, I received a preapproved promotional 0 % for 18 months balance transfer offer from citi double cash. During the online application process the application closed before I got to the transfer page, but I got an email approving my application. The card arrived last week. I called yesterday and again today to transfer the balance of my higher interest chase slate card. Yesterday, I waited on hold for 20 minutes. Today, the operator told me that I was ineligible for the balance transfer promotional. I asked to speak to a supervisor and waited on hold for 15 minutes with no answer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. My payment history is incorrect and 100 % inaccurate.This is a violation. I was never late and this account is reporting charge off every month and year. This account is reporting illegal information that is unverifiable. If this account is a charge-off why i haven't received a 1099c form, and why the account is not reporting paid in full or less. 15 usc 1601 ( a ) inform use of credit ( b ). YOUR company misconduct and violate my rights with negligence 15usc1681 ( e ) ( b ) compliance and procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I demand to see verifiable proof with my name sign on a contract. By FCRA law any Unverifiable account need to be deleted. 

XXXX XXXX Date opened XX/XX/2016 Balance {$6000.00} Status Account charged off. {$6000.00} 15 U.S.C. 1681s-2 ( A ) ( 1 ) 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2.

The Fair Credit Billing Act ( FCBA ), WHEN THERE IS A BILLING ERROR and my payment history is inaccurate/ unverifiable/ Non compliance The Equal Credit Opportunity Act ( ECOA ) and all applicable state laws. There are no equal rights at all.

This account does not Meet all requirements of the Fair Credit Reporting Act ( FCRA ), THIS IS WILLFUL NON COMPLIANCE TO REPORT 100 % accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit score is 100 points lower than the other 2 credit bureaus. This can't be Please correct or explain logic to this error.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX, TransUnion, and XXXX for their ongoing failure to correct inaccurate and fraudulent information on my credit reports. Despite my multiple attempts to resolve these issues, including providing all necessary documentation and clearly outlining the inaccuracies, the credit bureaus have ignored all of my correspondence. This negligence has resulted in several violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ), 1681s-2 ( a ) ( 1 ), 1681c ( a ) ( 4 ), and 609. The credit bureaus have failed to maintain accurate information, reported incorrect account statuses, neglected to mark the accounts as disputed despite my multiple disputes, and have not verified or corrected the disputed information as required. Their actions have caused significant harm to my creditworthiness and financial well-being. I request the Consumer Financial Protection Bureau ( CFPB ) to conduct a thorough investigation, ensure the immediate removal of all erroneous information or mark these accounts as disputed until verified, and provide me with updated copies of my credit reports reflecting these changes.
Product: Credit card or prepaid card

I attempted to make a purchase for a flight via XXXX, an airline ticketing service, on XX/XX/2019. The tickets were for a round trip from XXXX to XXXX. I was charged {$2800.00} to my Chase credit card. I then attempted to change my flight times through the company XXXX within 24 hours. They told me I could only change it with a fee. Additionally, they told me after I made the purchase that the tickets were non-refundable. So I was left with only two options according to them. We ultimately decided to keep the initial flight times to avoid any further fees. However, I never received my tickets from XXXX. Despite my repeated communications with the company I was never issued a boarding pass or any additional information about the purchased tickets. I then filed a complaint with Chase Bank and they sided with the airline because of XXXX policy of a non-refundable ticket. However, Chase has completely missed the point that I never received any tickets. I am requesting a refund of the purchase  price and all interest accrued thereof. Please read the uploaded document " Chase Letter '' for a detailed breakdown of what occurred.
Product: Checking or savings account

I received a check from Wells Fargo for {$5.00} - with a letter stating that it was for a fee on an account of mine ending in XXXX. 

The only problem is here - I have never banked with Wells Fargo - A couple of years ago I have an account opened under my name and when I went to find out they said they closed it - Today I was on the phone with XXXX different departments - Customer Service - spoke to XXXX XXXX - who refused to answer any questions whether or not there was an account open with my information she then transferred me to the XXXX XXXX Where I spoke with another XXXX  who then transferred me to the XXXX XXXX Department where a XXXX XXXX advised me that the {$5.00} check was for a fee on one of my accounts - when I asked if I had an opened account she refused to answer stating she couldn't access it and would transfer me back to XXXX - during that hold the call disconnected and was not returned - Can you please help- I have never banked with this company-
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed my credit score drop a lot and seen that I had XXXX collections on my report that I didn't know about or authorized. XXXX was for XXXX XXXX and one was for a XXXX  account for the amounts of XXXX and XXXX. So I proceeded to contact XXXX and XXXX and the police department and also all three credit bureaus.
Product: Checking or savings account

Complaint Against Bank of America for Unjustified Funds Hold To Whom It May Concern, I am writing to formally lodge a complaint against Bank of America regarding an unjustified hold placed on a check I deposited in my business account. 

On XX/XX/year>, I deposited a check for {$28000.00} issued by XXXX, the largest residential builder in the United States. The check was directly cut by XXXXXXXX XXXX XXXX XXXX  in XXXX. Both XXXX and I bank with Bank of America, making this transaction straightforward and inherently low-risk. Despite this, the bank placed a hold on the check, claiming that they " have reason to suspect the check will be returned. '' I firmly believe this claim is baseless for the following reasons : XXXX is a highly reputable company with no history of issuing invalid checks. 

XXXX XXXX and I are customers of Bank of America XXXX which should streamline the verification process and eliminate any doubt. 
3.There has been no communication or evidence provided by the bank to substantiate their suspicion. 

I contacted Bank of America by phone on XX/XX/year>, to address the issue and was told that there is nothing I can do. This action has caused unnecessary delays and inconvenience for my business operations. Additionally, it is directly resulting in ongoing monetary damage, including potential late fees, missed payments, and other financial consequences. These damages remain unresolved as the issue is ongoing. 

I believe the bank 's actions reflect an unethical practice of withholding funds without valid justification. 

In addition to requesting a prompt investigation into this matter and the immediate release of the funds, I am seeking compensation for any monetary damages caused by this situation. These damages were entirely avoidable had the bank acted responsibly and in good faith. 

I request that Bank of America provide a detailed explanation for their actions, release the funds without further delay, and reimburse me for the losses incurred due to this issue. I also urge the XXXX XXXX XXXX to take necessary action to ensure that Bank of America adheres to fair and transparent banking practices. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX
Product: Checking or savings account

I was XXXX cents short I my bank account with TRUIST & they charged me an overdraft fee of {$36.00}. I called on XX/XX/22 spoke to XXXX at XXXX then his supervisor, XXXX, they both said they will not waive a fee. TRUIST did this to me before I was {$5.00} short they charged 2 fees. This bank is rip off. Im going to the news on them. I was in the hospital & didnt have access to my account. Also, I had death on family couldnt get to my account from being out of town. I will close this account & get me another account elsewhere & let family, friends, business partners know NOT TO DO BUSINESS AT TRUIST
Product: Credit reporting or other personal consumer reports

I filed an FTC report for identity theft because my personal information has been exposed in data breach of over XXXX XXXX consumers personal information. I would like to have and appreciate of all accounts showing on my credit report to be removed immediately. Two accounts showing negatively are from XXXX XXXX XXXX ( Original creditor XXXX XXXXXXXX ) with partial account numbers showing XXXX, ( Original Creditor XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My lease account from Nissan started in XX/XX/XXXX. 
My car was involved in an accident in XX/XX/XXXX. My insurance paid the remainder to NMAC in full, a payment of {$15000.00} was made to NMACE in XX/XX/XXXX. 
NMAC still shows that my account has 4 late payments adding up to more than {$1000.00}. This is not correct, the car is completely paid off.

I called NMAC, they said they will fix it but they did not. I asked them to correct the information on my credit report, they asked me to submit a dispute and they will act accordingly. I submitted a dispute on XXXX. The dispute processing was completed and the account still shows the late payment. This brought my credit score from XXXX to XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX -- .Account number XXXX of {$4100.00}. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting or other personal consumer reports

XX/XX/2024 A hard credit inquiry appeared on my report from Chase bank. This inquiry was not made by me.
Product: Credit card

Between XX/XX/XXXX and XX/XX/XXXX I spent {$34000.00} in the home improvment category ( and paid it off in full ) for which the card advertises 3 % unlimited cash back. The total cash back amount from these transactions should be {$1000.00}. I did not recieve XXXXXXXX XXXX XXXX  in rewards. 

When I call in to the call center the reps pretend to be clueless and in a previous complaint XXXX alleged that I got rewards. This is not true because the rougly {$500.00} in rewards on file at the time were for purchases done LAST YEAR. 

This is my final attempt at resolving the missing rewards issue before taking legal action. Please take it seriouly. I would appreciate a call back.
Product: Credit reporting or other personal consumer reports

I took a loan from XXXX back in XXXX to pay some bills and such. The amount was {$500.00}. Halfway through the loan they stopped and did not allow me to use the loan that I was entitled on using. So the loan went into payment mode. So I have a loan that I barely used and was not allow to utilize and started paying for the loan as agreed. XXXX reported my account to the credit bureaus and that resulted in my XXXX XXXX to decrease. The loan was paid on time and again on XX/XX/XXXX my account was reported as delinquent and my XXXX XXXX decreased by XXXX points. The reason is unknown. This is the worst company that I have ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Company applied for Business Credit Card and it was never indicated in the same that they will run my personal credit report also. It was assumed that this is business credit card from XXXX XXXX Application ID XXXX. They denied the card personally to me where I never applied for the card on personal name and they ran the hard enquire on my personal name. this seems to be complete fraudulent activity causing damage to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my belief that this creditor has re aged these accounts. Further, they are falsely reporting payments as " missed payments ''  (  late ). In my initial letter demanding clarification and correction, this creditor failed to provide an adequate accounting of my payment schedule. I believe they do not have records detailing the beginning and ending of my loan with this creditor.
Product: Debt collection

Debt Recovery Solutions LLC. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX Company Listed above recently listed debt collection account demanding {$480.00}. The entry included the supposed original creditor as " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Contacted company above to find ways to resolve problem relating to negative entry on credit report. Attendant searched company records using SSN and listed contact number. The attendant was unable to find any record supporting " Debt Recovery Solutions LLC. '' claim demanding {$480.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I discovered that all three credit bureaus, Equifax , XXXX  and XXXX are continuously reporting a " revolving '' credit card from XXXX XXXX XXXX , with a balance o {$900.00} on my credit report in spite of my dispute filings and complaints of inaccuracy. I do not have and have never had a card from this company with this balance owing. This is a balance & card that I do not have. No verification provided by any source in over 30 days.

It is an item that should be completely removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have learned that my credit report contains some incorrect information. I am requesting that the three bureaus remove this incorrect information. Such misinformation damages my credibility. If the three bureaus do not take action, I am prepared to file a case against them
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX 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 EQUIFAX MTG XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, the vehicle balance payment was made with First Bank XXXX XXXX. This balance is made since the car would be shipped to the United States in a time of one month or less. Contact First Bank XXXX today, XX/XX/XXXX, and I spoke with supervisor XXXX XXXX since they indicate the bank has a time of 10 days to process the loan cancellation letter and up to 60 days to process the car title. Which in this case is not favorable for me as a customer since the time to send the car is less than a month. No options are provided to the client. These indicate that it is their process and they can not do anything. In that case my car would stay in PR because the bank can not deliver the title in a more reasonable time. Who would incur the expenses since I am moving to the United States in XX/XX/XXXX and I would have to leave without the car and return to work on the title. The complaint was made with supervision at First Bank XXXX and it takes up to 45 days to resolve.
Product: Credit reporting or other personal consumer reports

Last 4 digit of social security : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX Inquired on XXXX XXXX I, XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft.

Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax isn't updating my credit report. Its been over 3 months
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau continues to report inaccurate and unverified information on my credit report. I have request PROOF of their investigation, documents that show how they determined my dispute accounts were verified, and for the person they made contact with who verified these inaccurate accounts so that I could follow up with them directly. to has been well over 30 days and I have received nothing the furnisher nor the credit bureaus. I have attached both of my last letters sent to the credit bureau. Note : I have still not received any form of proof after both request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Subject : Request for Deletion of Paid and Closed Account Due to Negative Impact on Credit Score Dear XXXX XXXX XXXX XXXXXXXX , I am writing to dispute the information reported regarding my account with your bank. This account, opened on XX/XX/XXXX, has been paid off and closed, with a XXXX balance. However, despite the account 's closure and balance resolution, it continues to be reported as affecting my credit score, which is an unfair and incorrect representation of my credit history. 

Reported Balance : {$0.00} Account Status : Paid and Closed Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Amount Past Due Reported : XX/XX/XXXX This account is continuing to negatively impact my credit score, even though there is no remaining balance and the account is closed. According to the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be completely removed from my credit reports due to the fact that it is inaccurately reflecting a past-due status and harming my credit. 
I kindly request that you promptly delete this account from all credit reporting agencies. Please provide proof of its removal within 30 days, as the current status is severely affecting my credit score and hindering my financial progress. 
I look forward to receiving confirmation of this removal in writing within the stipulated time frame. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Equifax on numerous occasions in reference to reporting inaccurate information. I was never late for payment with XXXX XXXX, I have never been late on my XXXX  XXXX account opened XX/XX/2016. I have never been late for payments on my XXXX/XXXX  account. I do not have a written contract/agreement with XXXX XXXX XXXX that states I owe {$330.00}, I also do not have a written contract/agreement with XXXX  XXXX, XXXX that states I owe XXXX which is inaccurate. XXXX XXXX XXXX inaccurate balance of XXXX the correct balance is {$0.00} and There is inaccurate balance of XXXX for XXXX the correct balance is {$0.00}.
Product: Credit card or prepaid card

I have a loan with SYNCB/PPC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and sync/PPC with no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part.