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

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : 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 card or prepaid card

I have lost my credit card and later on found out there one massage therapy name XXXX XXXX XXXX XXXX charged me {$10000.00} and I have not authorize or even ever know that place, I noticed someone steal my credit card and the card is lost at XX/XX/2020 I reported to WellsFargo and want them to refund the credit for that unauthorized charge at the first welllsfargo credited me back {$10000.00} However, after their investigation the bank charged me back {$10000.00} without a provide me any written notice before taking the money that was credited to me during the investigation out of my account. 
I have never give anyone authorization to use my credit card or give my card to anyone, I've already called the police and made the police report, I was ask them provide me the evidence why they charge me again but WellsFargo didn't contact me anymore and tell me once the case closed we can't re-open to investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix this error on my Experian credit report for over two years. The account has been closed for over three years and Experian credit reporting agency is still reporting late payments on a account that has been closed for over three years and the account was discharged in XXXX XXXX XXXXkruptcy witch was filed XXXX years ago on XX/XX/. I have filed multiple disputes with no resolution. They just took the balance of over {$21000.00} off of my credit report after disputing it over five times. The creditor is reporting the correct information however, Experian is not reporting it on their end. XXXX and XXXX credit agencies are reporting the correct information however, Experian refuses to fix the errors on my credit report. They are blatantly doing whatever they can do to keep this account and a current negative status which is illegal. It is illegal to report a balance or try to collect on a account that has been XXXX in bankruptcy court. This will be my second complaint against Experian credit reporting agency and I have filed over eight disputes for this XXXX account. My next course of action will be a lawsuit against this credit reporting agency if the errors are not corrected. It has been over three years and this is ongoing and hurting my credit score on Experian only. My credit score with XXXX and XXXX is over XXXX and my XXXX XXXX on Experian is XXXX due to this negative account still reporting late payments after the account was closed over three years ago.
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Checking or savings account

My money is being held without purpose upon my account being closed for 90+ days By Square. Ive been reading other consumers complaints about this company and they tend to do this with no explanation and always take over 90 days to pay out what we are owed.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, and XXXX oXXXX XXXX I mailed a letter of dispute to Equifax about an account and an inquiry that is listed on my credit report. Both things are not mine. Neither credit bureau responded, investigated, or removed the items. I feel violated and I am severely stressed out trying to correct this issue with these bureaus. They repeatedly and continually ignore my letters on purpose. This is causing me stress and financial challenges. I am only mailing them disputes because they are ignoring me and I really want this problem to be fixed. According to FCRA Law if they do not respond after 30 days, this disputed item has to be removed immediately! Not only did they not respond but they did not provide me with the proof that anything was validated. I requested proof of a contract or document with my wet signature on it showing that I authorized any inquiry or account and I received nothing. Please help me with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX, XXXX, CT, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

This is regarding improper handling of charge-back dispute and not considering the documentation provided by the customer. 

I created a chargeback dispute against merchant XXXX, as I never received those items. The merchant shipped out the items to another country itself. Such a huge mishap.! I tried to contact the merchant and they accepted the mistake but did not provide refund. 

I provided all the supporting documents to citi bank including the tracking number and the snapshot proving that items were not delivered to the designated address. The document also included merchant 's response where they accepted their mistake. I also received response from citi saying they have received the documents and reviewing it. 

On the other hand, merchant just provided the same tracking number. The citi representative did not even bother to check the tracking number and the documentation I had provided, and simply resolved the dispute in merchant 's favor. This is complete violation of customer 's right when you are not even having a look at the their documentation and simply resolving the dispute in merchant 's favor because all they did was respond. This is how merchants are able to successfully scam customers.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment for my Lowes credit card I received my confirmation email stating I had made my payment. On XX/XX/XXXX I received an email stating that my payment was processed. My bank statement reflected the payment was processed. On XX/XX/XXXX I received a call from the company that I had NOT made my payment and it was now late. I tried to reason with the company letting them know I had bank proof and email proof to show I made my payment on time. They were unable to help me and I was forced to make a second payment for the month of XXXX. On XX/XX/XXXX I once again made my payment and received my email confirming my payment. On XX/XX/XXXX I received a email stating the payment was processed. This morning XX/XX/XXXX I noticed they charged me again and an email stating I was enrolled for autopay. When I saw this logged into my synchrony account and ONLY used the chat box to ask for the customer support number to give them a call. I tried explaining all this to customer service agent and verified everything I mentioned above. The agent was unable to help me and so I asked for a XXXX. The XXXX continued to insinuate that I made those extra charges and auto pay enrollment. I mentioned to her OVER AND OVER AGAIN that I did not make to authorization which is why I was calling in the first place. They were unable to help me either or give me any explanation for double payments and enrolling me without my consent to autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX CA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$56.00} XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Checking or savings account

There were XXXX transactions that added up to {$150.00} in total in fraud. The company found it as not fraud. But I would like to appeal it. I also would like to appeal the many unreturned checks on my account. There are many {$29.00} charges on my account from transactions I didn't authorized.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> is still on my report after numerous of reports made on this company i reached out multiple times to the company & creditor trans union and kikoff they both said the issue will be resolved and nothing has been resolved going on nearly a year after i have completed police reports and identity theft report complaints that have been provided repeatedly to the XXXX companies that involved my social and identity card being fraudulently used.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a transfer {$400.00} from my checking account to another person, using XXXX provided by Ally app. But just after I submitted that transaction, I realized that that's a fraud transaction and I want to cancel it. Then I called the bank immediately. However, the costumer representative told me that the transaction has been completed and they can not do anything. 

As a five years ' customer of Ally bank, I am so disappointed about the it. If Ally bank can not protect their customers, I don't think anyone like to become their customer.
Product: Student loan

I was in University from XX/XX/XXXX-XX/XX/XXXXand had Private Loans with XXXX XXXX. When XXXX XXXX created Navient, I was handed over to them as my loan provider - not by choice. Since then, I 'm received no help whatsoever or counselling on the best way to repay my loans and the best options for myself. Over the last 7 years I 've gone through different jobs, with varying income levels and no one has helped me to find the best repayment plan - I had to do that on my own. What I did n't realise and was n't warned about with the repayment plan I 'm currently on is that it has varying interest rates. For instance, my loans with the highest interest rates at the end of XXXX were 11 % - now they 're 12 %! 12 % interest on a {$1500.00} loan is absolutely ridiculous. If I had the money to pay off the principal I would do it in a heartbeat, however I struggle to pay the $ XXXX monthly payments as it is ( I also have Federal loans which were with XXXX XXXX XXXX but were moved to XXXX for $ XXXX ). Only in the last few years has that {$280.00} barely contributed to paying off the principal balance - most, if not all of it goes to interest payments. With my work bonus last year, I wanted to pay off some of my principal payment - the ONLY way to do this through Navient is to send through the mail a physical check and a LETTER explaining what to do with the money and where to apply it. They do n't allow you to make principal payments online or any other way. When they received the check that I sent for a large sum, they applied this incorrectly which then took many phone calls to finally correct. Each time I 've sent anything above the monthly payment amount, the money has been allocated incorrectly. I think Navient need to be much better at how they process their payments and allow you to pay principal online - also, they need to actually ADVISE their borrowers ( who did n't choose them in the first place but were handed off to them! ) on the best options for them - which wo n't mean paying over double the original loan amount overtime.
Product: Mortgage

My Mortgage is being serviced by Seterus, Inc out of OR. I asked for a payoff on XX/XX/XXXX was told it would take 7-10 business days or less. When not receiving the payoff I called the Call center for Seterus and was told due to my account being a Chapter XXXX bankruptcy that the account would take sometime to get a payoff. I had previously received payoffs without trouble XXXX XXXX and in XXXX XXXX. I had secured a refinance from another bank and was near closing when I asked for this payoff.
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My bankruptcy was Discharged in XXXX XXXX. I have not missed any payments on this loan during the bankruptcy process or since and the loan was always secured 100 % by the property value therefore therefore there was not a " Cram Down '' involving this lender. However on all calls I have made in concern of this payoff the only explanation I have been given is that the delay is due to the bankruptcy, complications with Chapter XXXX XXXX  and a " Cram Down '' making calculations difficult. On one of the recent calls, XX/XX/XXXX I was told by the call center operator that she could see in my file that the accounting on my loan was finished on XX/XX/XXXX but thereafter the payoff was marked cancelled in my file. On all calls to inquire I have been told the supervisor was escalating '' my request and I still have not received the requested payoff. I have now lost my rate lock on the new and approved refinance.
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On XX/XX/XXXX I called XXXX XXXX XXXX  XXXX ( XXXX XXXX ) in XXXX  TX, who is the institution that owns my mortgage and uses Seterus, inc. to service and collect. I Spoke with a representative and explained the circumstances. He was very curious and asked good detailed questions to get an understanding of my circumstance. He said he was unable to circumvent Seterus, Inc. and give me a payoff direct from XXXX XXXX but he would do what he could to look into it from his end and contact Seterus, Inc. and that he respond back to me but told me he may not hear back from Seterus, Inc. for up to 15 business days.
Product: Student loan

I have tried to setup recurring payments for a specific amount, but it would only let me setup recurring payments for the minimum amount. I wanted to aggressively pay off my student debt, but they prevented me from doing so. This costed me additionally in compound interest over the life of the loan. It has been frustrating.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to remove inaccurate and incomplete information from my credit report, despite my numerous attempts to dispute these errors through online, phone, and mail disputes. 

TransUnions failure to properly address these disputes and correct the inaccuracies is a clear violation of the Fair Credit Reporting Act ( FCRA ). Consumers have the right to an accurate credit report, and TransUnion has repeatedly failed to comply with its obligations. This appears to be a systemic issue affecting many consumers who face ongoing difficulties in getting TransUnion to correct or remove inaccurate reporting. 

The following accounts contain inaccurate and incomplete information and must be immediately and permanently removed from my credit report : -XXXX XXXX  XXXX ( late payments ) XXXX XXXX XXXX XXXX XXXX charge-off ) XXXX XXXX XXXXXXXX ( late payments ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( late payments )
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to first and foremost thank Transunion for processing my dispute recently but I am concerned that the investigation was not completed properly. I disputed with them through the United States Post Office and I sent a certified letter to make sure they receive the documents because it contained all of my personal information. I will link that letter and the receipts here for your convenience and proof. 

Unfortunately I can not tell if the finished processing my dispute because the 1 old account which has had no activity on it for more than 7 years is still on my file and affecting me. the account is labeled XXXX ( XXXX XXXX XXXX XXXX ).  This account should be deleted like the other one which they were so kind to remove. I would like to have it deleted for premium accuracy please. I have no lates on this account and I am concerned here as well why it shows up on my XXXX monitoring as a late account in my summary section ( which I have linked to this complaint. I am coming here to hopefully expedite this situation because I am attempting to purchase a new home and this inaccuracy and old account is not letting me make that purchase through the bank. 
My con cern is that it has no lates or delinquencies and yet it is saying on my credit report with Transunion that I have a LATE account, which I do not so somehow this account is not registering accurately on my general profile with creditors and this is tremendously damaging for me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that, TransUnion, permanently block and remove these accounts appearing on my consumer credit report FILE NUMBER : XXXX that are a result of identity theft and fraud within 4 business days of receiving this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection company, NCB Management, has posted erroneous information to my credit reports. I wrote asking for validation of the debt and they only sent a computer printout in response. Their failure to adequately respond is a violation of the FDCPA per XXXX XXXX XXXX Law Firm, XXXX XXXX XXXX  Court, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hippa and Ftc violations Sent more than 30 days ago
Product: Vehicle loan or lease

I had a lease car with BMW, due to loss of job two years ago I had a payment plan with them. Even after taking care of everything once I got the job. They still report 21 late fees and they won't take it off. Now everywhere I go to get a new car they are giving me a lot of problems. Please help.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Trans Union for failing to remove a legally discharged debt from my credit report, which continues to negatively impact my creditworthiness. My lender, XXXX XXXX XXXX XXXX, issued a 1099-C Cancellation of Debt for this account, which means the debt was legally canceled, and I no longer owe it. Despite my formal dispute and supporting documentation, Trans Union has refused to remove the negative reporting. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681s-2 ), credit reporting agencies must ensure that information on consumer reports is accurate and up to date. 

Once a 1099-C is issued, it legally cancels the debt, meaning no further collection or negative reporting should be permitted. 

Trans Unions failure to remove this account constitutes inaccurate credit reporting, which violates my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX****
Product: Debt collection

I have written to XXXX XXXX on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewalled and not answer my request as required by law but failed to mark the account as in dispute.