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

This account recently appeared on my Credit report. It states that is an account over 6 and a half years old yet it just recently shows on my credit report. According to 15 U.S. Code 1679c, this account must be removed immediately.

The account in question is as follows : XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00}. I am unaware of this account. I have no knowledge of it and it must be removed. 

I hope this finds you well. I am writing to request the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609.

Upon reviewing my credit report from your bureau, I have noticed the following inaccuracies : XXXX. XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00} As you are aware, the FCRA mandates that credit reporting agencies investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I kindly request that you conduct a thorough investigation into the disputed items mentioned above and take appropriate actions to rectify these inaccuracies promptly. 

Please provide me with written confirmation of the resolution and the updated credit report once the investigation is complete. If you find any discrepancies to be accurate, I request that you provide me with a detailed explanation of your investigation 's findings. 

I am exercising my rights under the FCRA to ensure the information on my credit report is accurate and up-to-date. I expect you to comply with the law and carry out this investigation with the utmost diligence. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and professionally. If necessary, I am prepared to take further actions to protect my rights as a consumer. 

Sincerely,
Product: Debt collection

I received an email from PayPal saying I owed {$960.00} which they needed to take out of my account for cryptocurrency. I do not have a PayPal account that I have used in the last year or so and I did not purchase any XXXX account. When I tried calling the number they became abusive and wanted to log into my computer and get my personal information to stop the payment. I contacted XXXX and PayPal because the email came from XXXX and PayPal. They have both been made aware of this.
Product: Credit reporting or other personal consumer reports

I am an advocate for victims and survivors of human trafficking I am a XXXX XXXX I am an XXXX woman My XXXX XXXX XXXX is XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the dept of justice to make such a determination under the trafficking rule XXXX XXXXXXXX is NOT a CREDIT REPAIR COMPANY. 

XXXX is IN COMPLIANCE and accepts documentation per the rule. 

EXPERIAN IS NON COMPLIANT XXXX IS NON COMPLAINT Their continued rejection of trafficking documents puts victims and survivors at risk of re-exploitation
Product: Checking or savings account

For two weekends in a row ( XX/XX/22 and XX/XX/22 ), Truist Bank has had problems processing internal transfers between two of its accounts. I have several accounts with this bank. One is a money market account which always has a relatively high balance ( currently, about {$14000.00} ). Another is a checking account. I transfer money from the money market account to the checking account periodically. This is done to control spending and to prevent loss in case of fraud or the card being lost. 

There is no debit card for the money market account. It is basically a savings account. 

Last weekend, on Saturday, I was unable to transfer money between these two accounts. I had about {$12000.00} in the money market account last weekend and around {$20.00} in the checking account. Truists customer service closes at XXXX XXXX on Saturday. This left me stranded all weekend with only {$20.00} to purchase groceries and other necessities. 

Truist informed me this was a technical issue. However, since the banks normal customer service line closes at XXXX XXXX and it was after XXXX when I discovered this error, no one was available to help. I called the fraud line and reported the incident. The representative I spoke with refused to do a transfer for me, even though this error was entirely the fault of Truist. 

The very same thing has happened this weekend. It was after XXXX XXXX when I discovered that transfers again are not working. The phone representative in the fraud department refused to transfer the money for me. When I asked to speak to someone who could help me, I was returned to the voice prompt that you always get when you call a bank. Essentially, they hung up on me. 

Because Monday is a banking holiday, I may not be able to make transfers until Tuesday. I have about {$11.00} in my checking account. There is over {$14000.00} in the money market account. But Truist is not allowing me access to it. 

Two weekends of technical problems in a row is bad enough. But Truist is absolutely refusing to do anything to fix this. Their customer service hours are the same and their phone representatives will not do a transfer for me or other customers to, at least, make up for the problem. What this amounts to is Truist holding my own money from me without cause.
Product: Debt collection

Portfolio Recovery Services keep calling me on my home phone but refuse to either disclose who they are trying to reach and refuse to remove my phone from their system after asking them to remove my phone number several times, yet they still call me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX **Date : ** XX/XX/year> XXXXAqua Finance, Inc.XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XXXX XXXX Request for 1099-C for Cancelled Debt Account Number XXXX Dear Aqua Finance Dispute Department, I am writing to dispute the charge-off reported on my account with account number XXXX. In addition, I am requesting clarification regarding the status of this debt. If the debt has been cancelled, forgiven, or discharged, I kindly request that you provide me with a **1099-C ( Cancellation of Debt ) ** form, as required by the Internal Revenue Service ( IRS ) for debts of {$600.00} or more.

To help me reconcile my financial records and meet tax obligations, please provide the following : 1. **Confirmation** of whether the debt has been forgiven, cancelled, or otherwise discharged.

2. **A copy of the 1099-C form**, if applicable, along with the cancellation amount, cancellation date, and any other relevant information reported to the IRS.

3. If the debt has not been forgiven, **detailed documentation** regarding the current status of the account, including any updates reported to credit bureaus.

Please respond to this letter within **30 days** of receipt, as I want to ensure that I handle this matter promptly and in compliance with tax requirements. If you need further information from me to assist with this inquiry, feel free to contact me using the details provided above.

Thank you for your prompt attention to this matter. 

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

XXXX XXXX XXXX XXXX -- -- XXXX  30 DAY LATE COMPANY FAILED TO VALIDATE DEBT, IGNORED IT. IN VIOLATION OF 609.
Product: Credit card or prepaid card

My account continues to get hacked and charged for " subscriptions '' I never signed up for and do not know how they are getting my info. I already tried cancelling my card and getting a new one. It took months for me to go through that process. Once given the new card, I am dealing with this again. I have been charged from a company who claims to be a " gateway '' for charging system for their clients. Their number is the only one I have access to, but they will not disclose where those charges came from. I do have more information to disclose upon your response. This has been an absolute nightmare for me in effort to care for my children and ill mother. They have cost me XXXX XXXX XXXX and I can not let this rest. Please let me know what the proper protocol should be be for me to get my money back and prevent it from happening in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NUMBER # XXXX CAPITAL ONE AUTO FINANCE My name is XXXX XXXX XXXX, and my account number is XXXX. 
Your outstanding customer service is the reason Ive remained a loyal customer. Ive always I have financed XXXX XXXX XXXX ( XXXX XXXX ) with Capital One Auto Finance on XX/XX/XXXX, however I did turn the car back into the dealership in exchange for XXXX XXXX XXXX with the same dealership on XX/XX/XXXX. 
My credit report shows a late payment for XX/XX/XXXX, which is not accurate, because I turned the car in before my payment day, which means on XX/XX/XXXX I no longer was the owner of the car, and I leased a new car with the same dealership and made a payment for the new car. PLEASE SEE EVIDENCE ATTACHED! MY DUE DATE WAS 21 DAYS AFTER I ALREADY TRADED THE CAR!!!! I DID NOT RECEIVE ANY MAIL EMAIL OR PHONE CALL REGARDING THAT PAYMENT!!!! 

I have tried to contact customer service, by phone email and mail!! I have been told that it didnt show update in the system until mid XX/XX/XXXX, which makes it the dealership fault on not reporting in on time! The dealership where I got the car from is no longer in business and I cant contact them regarding this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I AM A VICTUM OF XXXX XXXX I WAS IN THE XXXX XXXX AND XXXX XXXX BREACH. AND HAVE BEEN FIGHTING WITH TRANSUNION SINCE THIS DEBT SHOWED UP ON MY ACCOUNT XXXX 

I HAVE GAVE TRANSUNION MY XXXX REPORT AND THEY TOOK THIS DEBT OFF IN XXXX, XXXX THEN THEY ADDED IT BACK TO MY XXXX FILE AND NOW THEY WILL NOT REMOVE IT OFF MY REPORT. 

I TOLD TRANSUNION THAT I CALLED XXXX XXXX XXXX AND XXXX XXXX XXXX  TO GET THE XXXX INFO AND THE COMPANY WANTED TO XXXX IT TO ME SO I GAVE THEM MY XXXX ADDRESS THEY THEN ADDED MY XXXX TO THE XXXX I TOLD TRANSUNION ALL OF THIS INFORMATION AND ALL THEY KEEP SAYING IS MY ADDRESS MATCHS AND I HAVE TODATE GAVE XXXX XXXX XXXX A XXXX REPORT AND A XXXX REPORT AND THEY STILL WANT ME TO PAY A DEBT I DID NOT DO NOR HAVE I EVER HAD A DEBT WITH THIS COMPANY... 

TRANSUNION TOOK THS ACCOUNT OFF ONLY TO PUT IT BACK ON. 

THE OTHER CREDIT COMPNYS TOOK IT OFF BUT TRANSUNION HAS NOT DUE TO THEY MAKE MONY TO REPORT THIS ACCOUNT BUT ITS HENDERING ME FROM BUYING MY XXXX XXXX. AND TO LIVE A LIFE DEBT FREE.
Product: Debt collection

I have sent this company numerous cease and desist letters as well as debt validation letters. This company has refused to adhere to my written request. This company is in clear violation of the FDCPA. On top of that i have found that this company isn't even licensed or bonded to collect in the state of Nevada. Please have this company cease all collection activities and erroneous credit reporting. This is my final attempt to complain outside of court. Thank you.
Product: Credit reporting

The credit reporting sites are telling me that my address and social security number do n't match up when I have tried both of my previous addresses and have only lived at XXXX places my entire life. I just turned XXXX on the XXXX of XXXX, 2015 if that helps.
Product: Mortgage

mortgage sold to another Co. And it was my mistake On XX/XX/year> sent payment to old Co shellpoint mortgage instead of New Co XXXX  for XXXX they received it on XX/XX/year> thru XXXX XXXX XXXX XXXX  but refuse to send it back, first they said it was sent but then said they have 30 day to do so talked to someone on XX/XX/year> they said they see the money there and don't know why if hasn't been sent back. I have talked to XXXX XXXX and to XXXX and they say there is nothing they can do. XXXX did give me contact info for CFPB
Product: Credit card

I filed a dispute on a charge on my credit card that the merchant charged me for on a service that was not rendered. Chase failed to make contact with the merchant or get proof that the services were rendered even though I provided proof it was n't. Rep on the phone stated he could not get anyone on the phone with the merchant so they closed the dispute in the merchants favor and refused to look into it further.
Product: Debt collection

Credit & Collections is continuing to attempt to collect on a bill that has already been paid. What they are reporting to on my credit reports is inaccurate and is causing me undue hardship. I have disputed this with them and they have not responded to my letters and I have called. There rep verifies that this account was indeed paid and tells me it will be removed. However, it is still being reported and when I dispute it with the credit reporting agency, the come back as it being correct. Please help!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information related to my account as reported to the credit bureaus. This letter is sent in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, and the Truth in Lending Act, specifically 15 USC 1666b. 

Upon reviewing my credit report, I noticed the following discrepancies : 1. incorrect payment history I believe this information is incorrect for the following reasons : late payments are being reported inaccurately and I always maintain an consistent payment history. Upon reviewing the credit report I noticed Consumer are reporting 3 different payments history. Which plays a crucial role in my credit report. 
In accordance with 15 USC 1681i, I request that you investigate this matter and correct or remove the inaccurate information from my records. I have attached a copy of my recent credit report to support my claim.

Furthermore, under 15 USC 1666b, I am also requesting that you review any billing errors associated with this account that may have contributed to the inaccurate reporting. Please provide me with a detailed explanation of any findings from your investigation and any actions taken to rectify this matter. 

I appreciate your prompt attention to this dispute. Please respond to me in writing at the address listed above within XXXX  days of receiving this letter, as required by law. 

Thank you for your cooperation. 

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

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 AS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax to verify information contained in my credit file in which I have provided proof that the method Equifax used to allegedly verify this item was invalid. Item in question : XXXX XXXX  Bankruptcy Equifax stated that their process to verify this item was from a third-party vendor XXXX. FCRA states you must go back to the original Furnisher which would be the actual New Jersey USBK Courts. Equifax did not go to the original Furnisher because the USBK Court stated they do not report bankruptcies to anybody. 

Equifax going through a third-party company to obtain inaccurate information is NOT proper verification. Equifax is giving me an invalid verification. Equifax is in Violation of the FCRA They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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. 

Lastly, Equifax last response through CFPB is that they do not have a credit file on me which is a FALSE Statement due to them sending me a recent investigation report just in case I receive another false statement from Equifax I have also attached my Driver License, SSN Card, Passport, and a copy of a voided check with my address on it for proof of residency. I provided my proof of identity in my last complaint which shows Equifax did not fully look into my case, that is not a FAIR investigation and my rights are violated.
Product: Credit reporting

No response on complaint investigation for XXXX after 2 years. I ordered ScoreWatch from XXXX ( Equifax ) and Equifax is still reporting inaccurate information. Original complaint regarding XXXX XXXX XXXX reporting inaccurate amounts ( showing full amount due after XXXX was issued ) and inaccurate dates ( recent lates after charge off, after XXXX issues ) is documented in report XXXX. 

Additionally, it is now reporting several recent late payment dated after the XXXX was issued when I disputed in XX/XX/XXXX. Since the account is closed at charge-off, there is no late payment after XX/XX/XXXX. I have been denied tens of thousands in potential credit for " recent derogatory remarks '' on items that are six years old. 

It is well past 60 days for CFPB to investigate -- it has been over 2 years -- and nothing has happened. All other credit reporting agencies have changed the amount to XXXX per XXXX/IRS guidelines. Repeat requests to change this information has been ignored.
Product: Checking or savings account

I recieved a letter on XX/XX/2023 that Chase Bank is closing all my accounts with them. My checking account, my savings account, my CD account, and my credit card stating due to unexpected activity. I am in the middle of planning my wedding. The difference in my account activity is that my expenses are temporarily higher at the moment. I have never overdrawn any of my accounts. I do not make any international transactions. My bills are always paid on time. I have a credit score of XXXX as per Chase. I asked bankers at Chase to go through my account to see if they identified anything troubling with my accounts. They noticed no red flags of any kind that they could see. I requested my XXXX report and my early warnings report to see if I was possibly a victim of fraud and anything erroneous was listed. Both reports were clean. The agent from XXXXXXXX XXXX went through my report and could not identify any reason for Chase to close my accounts. I am a XXXX XXXX XXXX  who has always been financially responsible. I don't have any loans, or any outstanding balances. I would understand Chase freezing my accounts if they suspected fraudulent activity due to the increased activity. Infact I would prefer that. But Chase made no contact with me and simply sent me a letter with their final decision. I offered to provide receipts and invoices for any transaction they had a question about, including two cash withdrawals but they stated nothing could be done. Weddings require deposits to multiple vendors. What should be an exciting time for me, Chase has caused me added stress despite being a long term reliable customer. It is frustrating being punished when you have always done everything right and to not even be given a chance to defend yourself. I understand a bank has the right to end a relationship with a client. However I do not fit in any of the reasons why one might. Chase has been my primary bank since my first job and my expenses are in full transparency since my primary credit card is also with Chase. It is frustrating as a consumer to not have any explanation.
Product: Credit card or prepaid card

Chase is now offering me XXXX bonus points for {$4000.00} of spend within 3 months for the same card I already signed up for. When I signed up it was only XXXX for the same amount of spend. If I had known Chase were going to increase it, I would have waited to apply when the offer was higher. This is deceptive business practices and misleading advertising. Attached is a screenshot showing the current offer.
Product: Debt collection

This company has called my father at his work, my cell phone repeatedly and has threatened my professional license to work in the state of California. They did not identify the name of the company in the phone call, and threatened to call " any and all references on file ''. I have never recieved any written correspondence from this company regarding any owed debt.
Product: Debt collection

Repeated harassing calls. I ask this company to give me more information regarding the debt they are trying to collect but could not provide it in writing.
Product: Debt collection

In XXXX I was getting calls from them a little bit and I asked them to stop contacting me and then they proceeded to flood my phone with different numbers threatening me.