23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Ordered childrens XXXX yard playhouse supposedly on clearance XX/XX/XXXX, thru XXXX ad. Hours later, I check my online statement to find I have been charged by a XXXX company ( actual company in Ohio ) {$140.00} plus international currency fee. Immediately I call Citi, cancel the order, and the card. They issue security credit, send new card to me. I believe issue done. WRONG Citi sends me new card, THEN permits XXXX company to charge NEW card on XX/XX/XXXX. Posted to statement XX/XX/XXXX. I call immediately, inform they they had NO PERMISSION to bill new card with bogus charge. Rep tells me they " automatically '' bill new cards issued after I cancelled to PREVENT XXXX CO. FRAUD!!! I have called and invested 14 hours in phone wait time trying to get them to realize their mistake. 
When I called about charge showing up on my replacement card, they cancel the replacement card and advising again it would be forwarded to Security, issue me a THIRD card, and never correct their error. 
I spent 3 hours at my local Citibank with lovely rep trying to resolve as she looked at my statements with HER and her overseeing bank manager last week, and was told security would advised after she was subjected to the same line transfers, holds and bad English service persons. Now my credit reports have been advised I am 4 months late, plus late charges. I have NOT received anything from XXXX. There was original fraud charge, and no permission given for any rollover charges to new card when Citi rep was advised, and I have wasted WAY too much frustrated actions trying to resolve, when I did the right thing the first day, and every action after is a result of Citibank 's error, horrible service, and woefully insane business process and poor language skills of out of USA service centers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts : XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$0.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The accounts and inquiries on my Equifax Credit Report are incorrect, and fraudulent. All accounts and inquiries mentioned on my credit report are outdated as well. These derogatory accounts and inquiries are not only incorrect and fraudulent but they are affecting my ability to extend credit and to build credit. They are also in violation of my rights as a consumer.
Product: Debt collection

I have been receiving numerous calls from Monarch Recovery ( somewhat unintelligible ) on a regular basis. I researched this company and they are a debt collection company. I do not have any debt or credit problems. They are calling from XXXX. Calls vary by days and by times and and are interrupting my land line phone service with their robocalls. What can be done to eliminate this. From the internet, I see where there are many similar complaints. 
Thank you for your assistance.
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 : # XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN : # 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, credit repair services, or other personal consumer reports

Asked for and got Credit Freezes from XXXX, XXXX, Equifax and XXXX around XXXX XXXX, XXXX, based on prior experience with Identity Theft and the Equifax data breach. 

Received a letter from Equifax stating that an extended fraud alert had been placed on my credit file that would remain on file for seven years. Letter was dated XXXX/XXXX/XXXX. 

Received a letter from XXXX on XXXX XXXX ( letter dated XXXX/XXXX/XXXX ) .stating that an application for XXXX  card had been denied, based on a credit freeze at XXXX or Equifax . The application was fraudulent. Someone had used my name address and telephone number but apparently a different email and Driver 's license from mine. 

Yet I did not receive a fraud alert from Equifax. While the credit freeze worked, as XXXX was denied my data, Equifax 's advertised service of Fraud Alert did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on 2 XXXX XXXX credit cards. I have been removed from the cards but my credit reports have not updated.
Product: Checking or savings account

XX/XX/2021 Chime XXXX XXXX XXXX, put my account in review, I sent them all the information they requested to verify my identity, the continued to closed my account and tell me XXXX not eligible for a refund, Ive been try contact them constantly, and they wont reply or tell me anything or the reason they did what they did, I had {$17000.00} In my checking account, my life had been harsh since they took my money please help me
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 BALANCED {$18000.00}
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 USC 1681. 


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: Mortgage

I mailed a cashier's check with principal payment only of $XXXX noted on the check with the account number at the end of XX/XX/XXXX.  Wells Fargo claimed to have received the payment on XX/XX/19.  They received my regular mortgage payment in their records on the XX/XX/XXXX; they applied only my mortgage payment and left my principal payment in a unapplied funds account which is causing my mortgage to accrue compounding interest on funds they received and never applied prior to the application of funds for my XX/XX/XXXX payment.  This is not the first time they have done it, and I am tired of contacting them for it not to be corrected in a timely manner and thus charging me more interest than is legal because they left the funds in an unapplied account.
Product: Debt collection

In early XX/XX/XXXX, I received a debt collection letter from Credit Management LP stating that I owed a debt to XXXX XXXX in the amount of {$170.00}. The next day I mailed them a debt verification letter through USPS certified mail. In the letter, I informed them that I disputed the debt because I had spoken to XXXX about the inaccurate debt and I was awaiting a response. I informed them that when I had XXXX I closed the account in XX/XX/XXXX. When I closed the account I had a XXXX balance and received a final bill. Almost 2 months later I received another bill that was {$170.00}. I called and a representative named XXXX and then XXXX stated that they didn't know why. I was then told to go into an XXXX store to discuss it with a store rep. I went to the store and asked for copies of the bills to verify the information and was told that they can only show me the last bill and could not print in-store because they were saving paper. The store rep stated that after I closed my account that an adjustment had been made but she didn't know why and that I needed to call back. She also stated that she had ordered all of my past bills and payments to have them mailed to me. I never received the bills, payment history nor a phone call back about the debt. I then received the debt letter from Credit Management. 

Credit Management mailed me the letter only about 2 weeks ago and immediately reported it as a collection on my credit, which has negatively impacted my credit file. Instead of waiting for the 30 days that they are required to wait they decided to illegally move forward with an invalid debt collection tactic. They never even replied to the letter I mailed them asking for verification of the debt. No one has a valid reason that the debt even exists accept that XXXX/XXXX  said they adjusted a bill. This is an underhanded tactic from XXXX for me canceling their service and Credit Management attempting to make money from an invalid, unverified debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my account showing written off {$280.00} my account has not ever been in collections or written off by XXXX XXXX. 

I contacted them in which they stated there was nothing written off nor is there any balance to this account or nothing showing written off. 

they mail me a letter stating there is no balance nor does the account ever show late or ever in collections at no time that the account was open.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is currently reporting a fraudulent Tradeline on my report. Tradeline in question is XXXX XXXX XXXX, account number XXXX. This Tradeline has been fraudulently reporting on my TransUnion consumer report for a while. Ive been in contact with the alleged creditor to let them know this is a fraudulent item. They insist that this alleged debt is mine and the only thing they have provided me with is copies of statements. Nothing that proves this account belongs to me. The even took me to court and was awarded a judgment on a fraudulent Tradeline that does not belong to me because I missed a court date and all they want to do is take advantage of consumers. Im providing several police reports indicating Ive been a victim of identity theft since 2011 along with an FTC identity theft affidavit. Delete this fraudulent Tradeline from my transunion consumer report.
Product: Checking or savings account

On XX/XX/2019, I wrote a check in the amount of {$4000.00} to XXXX XXXX which he attempted to cash at the Wells Fargo branch in XXXX XXXX at XXXX XXXX XXXX XXXX. Upon learning of the holding period of cashing such an amount, he requested they not deposit it into his account and took the check back, giving it back to me to be destroyed so I could write him a check for a smaller amount. The check I wrote XXXX from my XXXX XXXX account, check XXXX was subsequently destroyed. Unfortunately, Wells Fargo had already cashed that check and the funds were taken from my account. XXXX requested the transaction was reversed and the funds were taken out of his account. The manager of the bank informed XXXX the transaction had been reversed and that I should see the funds within 24 hours. It is now 5 business days later and that {$4000.00} is nowhere to be seen. Wells Fargo has kept the money and not issued a refund for their unintentionally cashed check. Upon visiting the branch I was given the same " 24 hour '' timeline for the funds to be refunded to me, yet I have not seen any of the money they took from me. I even asked for them to write me a check which they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education has requested a copy of the call from XX/XX/XXXX as proof I contacted them and asked for a forbearance. I confirmed with several representatives that confirmed the conversation on XX/XX/XXXX and XXXX representative that pulled the call and acknowledge I called to request the forbearance. They are failing to acknowledge or take responsibility that their representative made this error and correct the reporting. Also they finally placed the Forbearance on the loan active as of XX/XX/XXXX but reporting me 90 days past due for XXXX. This shows there is incompetency with this company but yet I'm being penalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian report XXXX XXXX account was listed as first being in collections for {$1800.00}. I disputed it sending in proof account was paid as agreed for {$1800.00}. It was then updated to being charged off for {$3600.00}. I disputed again and sent proof again it was paid as agreed for {$1800.00}. It was then updated to being written off for {$3600.00}. This account was paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported late payment on XX/XX/2019 XXXX
Product: Credit reporting or other personal consumer reports

My credit report is posting an inaccurate address on my file that has reports and inquiries that may be attached to my credit file, inquiries, reports and charges that are questionable. My credit report also states that my current address I live at is my former resident address and that my current address is a previous resident address. My credit report is showing an address that I haven't lived at in over 4 years that shows i lived there formerly in XX/XX/year>2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear, Transunion Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX
Product: Bank account or service

I had an investment account with XXXX, they were bought a while ago by Capital One. I have been unable to access my account as they throw up roadblocks every time I try. I just want to close the account. Their most recent excuse is my email address contains the word junk. This is my email address ( XXXXXXXXXXXX ). They send me emails all the time at this address. I have attached XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen Loan Servicing sent me a letter dated XX/XX/XXXX, stating : As of XX/XX/XXXX, you are 3264 days delinquent on your mortgage loan. Your account first became delinquent on XX/XX/XXXX. 

I agree that the last payment I made on the mortgage account they purport to service was XX/XX/XXXX, so the date of first delinquency is XX/XX/XXXX. 

Last month, Ocwen made the following statement in a letter : Our records indicate that on XX/XX/XXXX, we have processed adjustments and rolled the due dates from XX/XX/XXXX to XX/XX/XXXX in order to apply the funds toward the interest and escrow only. 

My position : Any adjustments Ocwen processed to my account on XX/XX/XXXX have no bearing on the underlying fact of my last payment date and the date of first delinquency. I made no payment after your XX/XX/XXXX letter, and therefore the date of first delinquency remains XX/XX/XXXX. 

Ocwen appears to have created unilateral adjustments for the purpose of bringing forward the date of first delinquency, so that they can continue to report this account. Its CRA reporting is illegal under FCRA Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), and willfully fraudulent. The following guidance provided by the Federal Trade Commission supports my position : If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the creditor. FCRA 623 ( a ) ( 5 ) ( A ) This date of delinquency determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. 

[ Y ] ou have legal obligations under the FCRAs Furnisher Rule. Your responsibilities include furnishing information that is accurate and complete, and investigating consumer disputes about the accuracy of information you provide. 

As a rule, its illegal to report information that you know or believe is inaccurate. You have reasonable cause to believe that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have submitted several disputes letters to the credit bureaus, Experian, XXXX, and XXXX. As of today, I have to receive any responses, or notifications regarding the erroneous items disputed on credit file. Per the FCRA the credit bureaus under law have 30-45 days to respond, and I have not received one items from any of the bureaus. I am in the process of financing and this is affecting my financing. I need the credit bureaus to respond, as per the law states.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my paid XXXX subscription today and I notice that a closed collection account that was once posting a {$970.00} dollar balance currently shows {$3800.00} due and a 514 % credit utilization SUDDENLY. This account has been closed for years and is currently in dispute. I will include a copy of the letter upon which they have been sent. I recently paid off {$330.00} on my past due XXXX and I had an 11 % utilization yesterday. I need to get a new vehicle and other things and these erroneous and fraudulent reporting schemes used by these companies are making it very hard for me to get my life off of the ground. What on earth could I possibly have done to ever owe someone {$3800.00} when I have never even had a credit card that would give me that much money to get into that much debt with. Please do something about this non-sensical reporting.
Product: Debt collection

On XX/XX/2021 I sent a letter to wakefield and associates asking them to verify my debt with my signature and any other proof. On XX/XX/2021 all I received was a bill with no name social security number or signature. just amounts and dates
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX at XXXX XXXX CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.
Product: Credit reporting or other personal consumer reports

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