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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that have been listed on my credit report. The accounts in question are as follows : XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX late payment account XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX collection account XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) collection account XXXX XXXX XXXX XXXXXXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXXXXXX charge off account XXXX  ( Original Creditor : XXXX ) XXXX collection account CRDMGMCOMP ( Original Creditor : XXXX ) XXXX collection account XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account I dispute these accounts as they are inaccurate and do not belong to me. I have reviewed my credit report and have found that these accounts do not reflect my payment history or credit behavior. I believe these accounts were reported in error and should be removed from my credit report. 

Furthermore, I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ) Section 609. Under this law, I am entitled to receive a copy of any information in my credit file. I request that you provide me with a copy of the documentation that supports the validity of these accounts, including the name and contact information of the original creditor. 

If the accounts can not be verified, I request that they be removed from my credit report. I also request that you inform me in writing of the outcome of your investigation, and that you send me an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

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

I had an auto loan with Regional Acceptance for a XXXX XXXX XXXX  XXXX. The vehicle was deemed a total loss on XX/XX/XXXX. Regional Acceptance continue to report delinquent to the three credit bureaus although they were waiting for the settlement check from the insurance company. I spoke to several agents at Regional Acceptance that continued to ensure to me that there would not be a delinquent report on my credit report. The last representative I spoke with was named XXXX XXXX. She explained to me that I had to pay the remaining balance due on the auto loan with a renewal agreement and that there would no report of delinquency on my credit report. Regional Acceptance has made this process very difficult.
Product: Money transfer, virtual currency, or money service

as of XX/XX/year> I tried to send {$12.00} from my XXXX balance as this was the only money I had for medicine from the store. When I sent it to my cash app card I did not receive it. I have tried all the way up to yesterday to get them to tell me where my money is which that date is XX/XX/year>. At one point they said it was declined but after I told them that XXXX sees on their end that the transfer is already complete they make the statement that maybe someone added the card to their account. I have tried giving them the reference number as well as the transaction id given to me from XXXX and they said they can not look up the transaction with these numbers because they are internal numbers for XXXX. I have been giving the run around every time I have tried contacting cash app.
Product: Debt collection

I made payment agreement with collection agency to resolve my defaulted student loans, recieved the written confirmation with amount and letter stating that " This payment must be recieved by XX/XX/XXXX''. I mailed my payment via USPS, over night with tracking and recieved confirmation that the payment was delievered on XX/XX/XXXX When I followed up to ensure that my account was updated and now free of default I was told that I was in default of the payment agreement because payment was not processed and posted by the due date and that I would need to submit all my proof that the payment was delivered on time. ( I forwarded the tracking information with delivery confirmation, that the certified funds were able to be cashed on due date, and the letter indicating that payment must be recieved by ). I was then instructed to contact the department of education as they handle the payments who informed me that since I was in collections I could only speak with the collection agency. I then was only given run around answers when a letter date forXX/XX/XXXXwas issued to my employer to garnish my wages forcing me into another payment agreement. I again paid the settlement in full and used certified tracking for my deliverery with proof onXX/XX/XXXX and am unable to have any response as to my payment being recieved, processed or posted. I have been harrased into paying additional sums and faulse information being given about due dates and expectations
Product: Credit reporting 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. In addition I DID NOT receive the required opt-out notice at the time I created the accounts that Im reporting which is a violation of 15 USC 6802 of the Fair Credit Reporting act. 

XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXX XXXX XXXX  : ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX  : ACCT # XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX 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.

15 U.S.C 6802 ( a ) Notice Requirements states. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third-party any, non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account XXXX : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Delay Due to Billing Error : I was not notified of the correct payment amount, as the statement issued by XXXX contained an error. This resulted in a delayed payment, which should not have been reported as late since I resolved the issue promptly after receiving the correct billing information. 
No Late Payment Notification : I was not provided with any notice from XXXX XXXX regarding an impending late payment. Under the Fair Credit Reporting Act ( FCRA ), I should have been notified before any negative information was reported to the credit bureaus, which did not happen in this case. 
Evidence Provided : I have attached my payment history and bank statements, showing that I made all payments once the correct billing information was provided. This clearly demonstrates that the late payment was due to a billing discrepancy and not negligence on my part. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

To Whom It May Concern, The reason for my dispute is the following accounts : XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX  XXXX, XXXX   XXXX XXXX I am unable to locate documentation that they comply with this requirement, which is a violation of the FCRA & FDCPA 609 ,623 611, Section 807 ( 11 ) & FDCPA 809, Under 809 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report.
Product: Debt collection

I am writing to formally address a collection placed on my account by Helvey and Associates on behalf of XXXX XXXX XXXX for an unpaid amount of {$120.00}. I discontinued my XXXX XXXX XXXX  on XX/XX/year>, due to an urgent family matter that required me to leave the United States. Before discontinuing the service, I ensured that all outstanding bills were paid in full. Additionally, I had provided a deposit of {$200.00} when I initially opened my account with XXXX XXXX. 

Since XX/XX/XXXX, I did not receive any notifications indicating an outstanding balance, and had I received such notice, I would have immediately resolved the matter. Upon my return to the U.S., I was shocked to find that a collection had been reported on my credit history, which negatively impacted my credit score.

I made several attempts to contact Helvey and Associates to explain the situation and submitted contact forms on their website, but I received no response. I also called XXXX XXXX, but no one was able to provide a clear resolution. As a result, I paid the {$120.00} amount in question. However, my {$200.00} deposit has not been refunded, and due to no fault of my own, my credit history now reflects an issue that has unfairly lowered my credit score and continues to harm my credit standing.

I kindly request your assistance in resolving this matter by removing the collection from my credit report and returning my {$200.00} deposit.

Thank you for your prompt attention to this issue. I look forward to your timely response and a resolution to this matter.
Product: Checking or savings account

Hello, my name is XXXX XXXX. I have been in contact with Fifth Third bank about a dispute case because I noticed fraudulent charges on my card dating back to XXXX. I did not make these charges and they have no actual evidence that I did. They keep denying my case and Im not sure why. Every time they deny it I tried re-opening it and they take up to 30 days each time. So at this point it has been months and Im fed up. Im not sure what to do to get my money back and theyre not helping me at all. My case number is XXXX.
Product: Debt collection

Bull City Financial Solutions has placed a utility collection on my personal account. The original creditor is XXXX XXXX. Account # XXXX XXXX owed {$630.00} The account was opened on XX/XX/XXXX. I was released from prison in XX/XX/XXXX. I have never established an account with XXXX XXXX nor have I had any association with the residents of the XXXX account. Inclosed are documents to support my claims of incarceration and Identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

We were in the process of applying for financing for a new home when our prospective mortgage company alerted us on XXXX XXXX that there was an outstanding, unpaid debt on our credit report in excess of {$27000.00}. We did not approve the credit card that was apparently taken out in our name. We contacted Synchrony Bank and learned that a PayPal credit card account with a limit of {$8000.00} was taken out in our name. The balance rose to {$25000.00} with several XXXX in unpaid interest raising the amount we are accused of owing to in excess of {$27000.00}. We contacted Synchrony which opened an investigation which the bank subsequently closed. The paperwork said payments were being made on the account, but the paperwork they supplied contradicted this, saying {$0.00} payments have been received by the bank on this fraudulent account. The bank would not clarify this discrepancy nor give us other information, although it apparently has documentation from whoever opened this fraudulent account in our name. We convinced the bank to reopen the investigation. They say they will provide no additional information until the second investigation closes, which will take 30 days. We are beginning to run into deadlines on financing our house and are not confident Synchrony will either act expeditiously, will properly investigate this fraud, or resolve this blatant case of identify theft and fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX did not mail me nothing in terms to this debt. The debt amount is {$36000.00} for a truck in which i work for the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX in which I'm not buying the truck nor sign any contract saying I'm liable for damages. XXXX XXXX XXXX XXXX has insurance and have filed a with Nevada Division of Insurance to  investigate his insurance company to see if they filed a claim on the truck and any fraud that may or may not have happen with this issue.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX is reporting wrong information to my credit report. XXXX XXXX XXXX XXXX XXXX needs to delete the wrong information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now spoken with three/four ( but the second woman hung up on me after she said her scripted info ... it was strange ) people at XXXX XXXX. Each of them told me completely different information. The card was activated in XXXX, but she could n't say anymore. Then she told me There was no manager they were " on a call '' and I told her I 'd wait, and the VP was never in a meeting,
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening and how r u during this pandemic? Listen, I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a piece of public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Product: Checking or savings account

I had a check deposited from a customer of mine who endorsed it to me ( third party ) into my account I had a contract available with my customer, and her father and also had copies of the contract signed by both of them. The dad filed a dispute with their bank after the check had cleared which led to my account being closed after willingly signing the check and providing consent. I have provided all documents requested including consent/contract from the account owner and signed by both parties in front of a notary. Their bank is refusing to pay funds even though it had already cleared and my bank is refusing to return the remaining balance of my account after closing after ensuring they would release the funds and remove the hold if I provided them with the contract. I bank with USAA.
Product: Student loan

On XX/XX/XXXX I submitted documents to continue my forbearance as they will only grant 6 months at a time. I have been previously told that after this 6 months was up I can apply again and that I have 18 months left of forbearance after I use this 6 months. On XX/XX/XXXX I receive a response that I cant have my forbearance applied back to back until I make one full month of payments. This has never been disclosed to me and has never been an issue in the past. I called the third party company that handles all the responses and asked to get in contact with the lender. They advise me that they dont have a phone number and can not provide me with an email or any way to get in direct contact with the lender. All they were able to do is direct me to the lenders website which leads to another company that does not get me any answers as I have tried to call that number in the past. They assured me they would raise my concern and I would get a response. Its now XX/XX/XXXX, my loans are past due, I cant make the payments due to helping my sick mother with money due to medical issues and I have no response from the company UAS XXXX or the lender Younomics of why they have changed rules yet again ( not the first time they have suddenly changed rules ) nor have I been provided any disclosure of changes.
Product: Credit card

I was approved for a credit limit of {$1400.00}. As of XXXX XXXX th 2015 I received a message stating that my credit limit had decreased to {$640.00}. I had a debt ratio over 50 % and have made payments on time for the short period I have had the credit card. Now this will reflect on my credit score as debt to ratio of 99 % of my credit limit used. I have a statement showing now - {$51.00} due to this decreases not to mention the impact it will have once it reports to the credit bereaus. I find this type of act to be very harsh considering I just received a credit limit increase on my XXXX bank card. This practice should be illegal.
Product: Credit card or prepaid card

I have called CHASE Bank twice to inquire about my current bank accounts and each time that I call the call is routed to the credit card department. They said that a credit card was opened in my name on XX/XX/XXXX, with a credit limit of {$750.00}, and was closed as a charge-off account on XX/XX/XXXX. On XX/XX/XXXX, I was stationed in XXXX as an XXXX XXXX  and had no idea that someone opened up a credit card in my name until now the year XXXX. This account has never reflected on my credit report so I had no idea, I have never received any letters for this credit card. The address of this credit card was in NY. Apparently, someone reported it as a fraud in XXXX. The account number is attached to the document provided. Chase Bank has been failing to do its job in informing me that this has occurred in my name for years. Even though I had existing bank accounts with them in the past they still did not inform me that there was a credit card opened up in my name and that it was a charge-off account. I am finding out 8 years after the fact. The first time I found out from the representative they told me not to worry about it because it was reported as fraud. Two weeks after that I called back to check on my bank accounts and the call route me back to the credit card department that card is still reflected under my social security number which tells me that the investigation never was closed out. This is an internal problem in the bank and it has caused me to not be able to apply for any credit cards from chase because they had this hidden charge off a credit card that was opened fraudulently in my name. I have been trying to apply for credit cards and have been able to get credit from this bank because of this in their system. They have a responsibility to protect consumers ' information and they fail to do so for years. Right now I have a business account with them and I like to apply for business credit but I am not able to be granted any type of credit with them because of this credit card issue that I am not aware of. This is causing a setback in my business because I have not been able to obtain credit from them which is unfair because of their own negligence. They told me on the XXXX XX/XX/XXXX that they are going to have to start the investigation all over again and send over a message to that department. They need to do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Id ttheft and ive contacted the bureaus but have not received a response.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 sent a letter asking them to reinvestigate these accounts listed below because [ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Can you look Into this matter
Product: Debt collection

Please remove these accounts. I have been disputing them for a while. They do not belong to me.
Product: Checking or savings account

Payroll was to be deposited on XX/XX/XXXX at XXXX. It is now XX/XX/XXXX and my payroll has yet to be put into my account at Capital One. The company continues to process withdrawals and decline them even though they are the ones delaying the deposit from my employer. By not releasing the funds received from my employer, they are stealing my money and causing an unnecessary hardship.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX, - contacted by phone XX/XX/XXXX requested unauthorized hard inquiries - Bank of America XXXXXX/XX/XXXX contacted by phone XX/XX/XXXX reported unorganized. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX reported unorganized/