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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX DATE XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Your company is in clear violation of the law. Under XXXX XXXX XXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing presence of a late open account on my credit report despite my repeated attempts to have it corrected. This marks the ninth time I am contacting you regarding this issue, and I am deeply concerned about the adverse effects it is having on my financial standing. 

Despite providing thorough documentation and evidence to support the correction of this late open account, it continues to negatively impact my credit history. This persistent inaccuracy not only undermines my financial reputation but also hinders my ability to access credit and secure favorable financial terms. 

Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint regarding my personal consumer account with XXXX XXXX. 

I was in talks with XXXX regarding my account, as it went out of service due to none payment. As agreed, the account balance was supposed to be transferred over to my business account, XXXX, XXXX, with the balance paid off on a monthly basis along with my current plan. I am making this complaint, additionally because of the fact that it is stated that I owe a total balance remaining of {$2900.00}. After a year+ of payments made towards my devices : XXXX XXXX XXXX * {$1200.00} ( 30 months ) * {$770.00} remaining XXXX XXXX XXXX XXXX * Device payment XXXX of XXXX ( $ XXXX ) * {$830.00} remaining XXXX XXXX XXXX XXXX * Device payment XXXX of XXXX ( $ XXXX ) * {$670.00} remaining The payment agreement was agreed upon as a buy one device, get one for free for the XXXX. 

In total, the said amount owed is actually at {$2200.00} However, with the buy one get one, the amount owed to XXXX is actually {$1600.00}. 

I am making a complain on misleading and deceptive practices in which I took responsible measures in order to ensure the integrity of my account and maintaining the trust I had with XXXX to continue paying the balances by agreement between myself and XXXX to transfer the balance over to my business account. 

At this point, I expect the balance to be nullified or to have the balance reversed, the collection item deleted immediately off my XXXX and TransUnion reports, and to transfer the balance immediately over to my business account as agreed upon. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of this account for several reasons : Conflicting Status : The account is reported as charged off as of XX/XX/2018. The account was in fact sold to a 3rd party collection agency whom is not reporting and is not licensed to collect in fl. 
Late Payments : Previously Reported : The report details late payments. According to the Fair Credit Reporting Act ( FCRA ) guidelines, late payments are considered as transactions or experiences and should not be reported. 
Lack of Verification : My previous request for verification and validation of this account resulted in an insufficient response. Details on who verified the information, their title, and the verification method used remain unclear. 
These inconsistencies and lack of proper verification constitute a violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, which requires credit reporting agencies to ensure the accuracy and fairness of consumer credit information. 
Based on the inaccuracies above, I demand the complete deletion of this XXXX XXXX ACCOUNT from my credit report. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter. 
This response should include : Explanation of the investigation conducted. Details of any communication with XXXX XXXX regarding verification. A revised credit report reflecting the deletion of this account, if applicable. 
Thank you for your prompt attention to matter.
Product: Mortgage

I contacted Wells Fargo some time in XXXX and was offered cheaper and more convenient insurance which would be taken out with my monthly payment. I thought it was a great idea until I discovered I was lied to and this insurance only covered the bank. The policy started XXXX/XXXX/XXXX which covered XXXX/XXXX/XXXX - XXXX/XXXX/XXXX for {$910.00} which they debited unknowingly to me on XXXX/XXXX/XXXX. After 3 months they increased my monthy payment from XXXX to XXXX for 10 months which I believed to be correct. ( Not knowing they also debited {$910.00} ) After I discovered they lied to me about being covered they debited another {$840.00} on XXXX/XXXX/XXXX ( again without my knowledge ) for XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I found alternate insurance from an honest company which went into effect on XXXX/XXXX/XXXX. Wells Fargo correctly credited me {$510.00} for the remainder. However, they now increased my payment again to XXXX without an explanation. On XXXX/XXXX/XXXX I requested a refund for XXXX plus {$66.00} XXXX XXXX XXXX XXXX XXXX ... they denied the request. I do n't know where else to turn after being lied to so many times prior. Please help. Thank you.
Product: Checking or savings account

On XX/XX/XXXX, I initiated a payment to a friend using the XXXX system in the amount of {$3000.00}. Minutes later, we decided to use a check instead, so, my friend refunded the {$3000.00} back to me using the same app. The app shows the refund was processed and returned to my bank card instead of the XXXX e-wallet. The problem is the funds were never credited to my bank card account either. On XX/XX/XXXX, I initiated my first support request with XXXX. XXXX with XXXX support responded XX/XX/XXXX by email, asking me to dispute it with my bank. On XX/XX/XXXX XXXX closed my case due to lack of communication. So, on XX/XX/XXXX I contacted my bank ( Bank of Texas ) to initiate a dispute through them. My bank opened a dispute but quickly closed it without further investigation or resolution because the source was XXXX. My bank refused to process a dispute through visa and told me to process my dispute through XXXX. XX/XX/XXXX I reinitiated my dispute with XXXX and began including my bank in the emails so that both XXXX and my bank could see that neither are taking steps to resolve my missing funds. Rather both XXXX and bank of texas keep pointing the finger at each other and telling me to resolve this with the other entity. 

From that point on, bank of Texas assigned me one point of contact, XXXX. She has at least attempted to resolve this but her hands are tied because of Bank of Texas policies involving disputes with internet transfers using e-wallet services. My complaint with Bank of Texas has to do with their policy to take no action to dispute if an e-wallet service is involved. This policy needs to be looked at and corrected. A dispute should be initiated with VISA no matter what if a consumer is complaining. 

XXXX on the other hand has grossly mishandled my dispute requests. No single point of contact has been assigned. I've had 5 different contacts with XXXX. XXXX, XXXX, XXXX, XXXX and XXXX. Each one sends one form letter email that repeats the same information of how they're taking over for the previous representative. They've reviewed my request, confirmed with Visa that my funds were returned and that I should dispute with my bank. Each time I respond back telling them my bank representative has been added to the email and I tell them my bank can not move further with their dispute. I ask for the visa proof each representative has cited. However, instead of providing the proof or escalating further, I then get another form reply email from a new XXXX representative that says the same thing the last representative wrote. It's like XXXX has hired robots that can't think or communicate. The only thing they can do is send the same email over and over and over and over and over again. 
Meanwhile my money is still in limbo. Neither XXXX nor Bank of Texas is able refund it. 
Please help. I've copied this in order to make 2 identical complaints. One for XXXX and one for Bank of Texas. If you're reading this. Please process it under the appropriate company I've filed the complaint against.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine
Product: Credit card or prepaid card

Dear, Im XXXX years XXXX XXXX person, on XXXX/XXXX/XXXX, I filled Didpute against Mechanic shop that had my car for 2 months, couldnt start the car due to getting starting Error the key couldnt start the car, on XXXX/XXXX/XXXX got car back but he next day I got same Error the key couldnt start the car, XXXX XXXX  XXXX XXXX suppose to send programmer to reprogram the Key but he/her never showed up so on XXXX/XXXX/XXXX, Pentagon Credit union send an Email credit card dispute form to sign, so after signing the form, the customer rep said is going to take 30 to 45 days to resolve but usually after two weeks I get a provisional credit, on XXXX/XXXX/XXXX I called to check the status of my dispute, the Rep couldnt find it, after talking to supervisor I asked to get Reciept and email it, I told him my credit card XXXX is my recipt since we didnt sign any binding contract when my car was towed from one mechanic shop to XXXX XXXX XXXX after 24 days it seems Pencredit union just opened new dispute usually Pencredit union send you dispute form and after signing get resolved since Pencredit merged with other banks everything is backed logged, we have to wait 40 minuets and their service is worst and that was not when I accepted their term and regulation, Pencredit union must follow our term/agreement and one of XXXX protection is to dispute any charge within 30-45 days after 24 days didnt work on my dispute or lost it and this is violation of our term.
Product: Credit reporting or other personal consumer reports

Ive just obtained a copy of my credit report and noticed there to be errors. According to XXXX XXXX XXXX XXXX Permissible purpose of consumer reports, I am entitled to an accurate credit report. Also, this is subject in response to the order of a court having jurisdiction to issue such an order, subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX. 

XXXX XXXX XXXX  LOAN-ACCT # XXXX states I have XXXX missed payments, and that I am ALSO currently late. THIS IS INACCURATE! This account stated it was originally charged off in XXXX, and now states it is XXXX days late, also that it was closed on XX/XX/XXXX. This, again is inaccurate. Under the FCRA I am entitled to an accurate credit report, and I would like this account DELETED from my credit report as soon as possible.
Product: Credit reporting

I was approved for The XXXX XXXX XXXX Discharge, once approved all inaccurate reporting should have been deleted from my credit file. There remains several that was not updated and removed. Listed below are the accounts that should also be removed. 
XXXX showing XXXX loan with Account Number XXXX reporting 12 missed payments. 
DEPT OF EDUACATION/XXXXshowing XXXX loans Account Number XXXX reporting missed payments. 
XXXX showing XXXX loans with Account Number XXXX reporting missed payments. 
XXXX this account is reporting both open and a collection/charge off which should n't be reporting as both.
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 TransUnion 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 Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion 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 : The reported late payment resulted from a misunderstanding regarding the payment due date, which was incorrectly communicated to me by XXXX  XXXX. I made the payment on time according to the information I had, but due to this miscommunication, the payment was recorded as late. This does not accurately reflect my payment behavior, and the late payment mark should be removed. 
Evidence Provided : Bank statements showing the payment was made according to the information provided. 
Correspondence from XXXX  XXXX acknowledging the communication error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit card or prepaid card

2 Balance transfer amounts on Citibank card : 1 at 0 % until XX/XX/XXXX Balance Transfer 5 now at 20.99 % and 1 at 1.99 % until XX/XX/XXXX Balance Transfer 4. 
XX/XX/XXXX called to payoff Balance Transfer XXXX before rate expired and interest was charged. Told to call back XX/XX/XXXX to make the payment. 
XX/XX/XXXX called to make pmt to payoff Bal Transfer 5 to avoid interest charges. Told to wait and call back XX/XX/XXXX so the interest would change and be higher than Balance Transfer 4 and start being billed. 
XX/XX/XXXX called back, explained my 2 previous calls and why I was calling, verified and confirmed amount needed to pay off Balance Transfer 5 and that it was now at 20.99 % interest, and payment specifically to pay off Balance Transfer 5 was processed over the phone. 
XX/XX/XXXX new statement is received. Payment to Balance Transfer 5 was incorrectly applied to Balance Transfer 4 and interest was charged for Balance Transfer 5. 
XX/XX/XXXX after speaking with a rep was transferred to supervisor, XXXX, he told me he understood what had happened and that he would take steps to correct the misapplied payment and refund the interest charged. 
XX/XX/XXXX received letter from Citibank stating payments are applied to higher interest rates before lower rates and the payment was applied to Balance Transfer 4 instead ( at the time of the XX/XX/XXXX payment, Balance Transfer 5 was the higher rate ) and they would not honor my request to have the payment applied correctly. 
XX/XX/XXXX - thinking the XX/XX/XXXX letter was in response to one of my first calls, I called and spoke with XXXX who confirmed XXXX had made the changes and Balance Transfer 5 was at a {$0.00} balance. 
XX/XX/XXXX new statement is received. Interest refund on Balance 5 by XXXX was processed but payment paying off Balance Transfer 5 was still showing as applied to Balance Transfer 4 and new interest was charged once again for Balance Transfer 5. Called and spoke with XXXX who told me that the " back office '' would not allow the payment to be applied to Balance Transfer 5. I told him I would be filing a complaint.
Product: Credit card or prepaid card

XX/XX/2022 a charge in the amount of {$260.00} from XXXX XXXX was charged. My credit card was stolen. i contacted Barclays had the account and card closed and charge disputed for fraud. XX/XX/2022 i receive a letter dated XXXX that the charges were valid due to Barclays investigating and finding the card in my possession. I contacted Barclays XXXX early morning explained there muist be some confusion i was told to simply fax a letter to XXXX include last XXXX of card XXXX and account id # XXXX and statement about what happened and how my card was stolen. i did that and faxed within the hour of speaking to Barclays. i called back the next day and received a confirmation from a rep that my faxed statement was received. From this day forward i have called numerous times every couple of days asking what is the status. i was told the case was reopened and to wait to be contacted. Today i am told by a rep in fraud or dispute department that no fax was received and i need to prove what happened by sending a letter, again, by fax AND mail. I was also told that this department is unable to make outbound calls so i will not be contacted. Therefore i have to continue to call explain my story over and over and transferred everytime for a status update. The attitude i received leads me to believe i will not be helped. This happened XX/XX/XXXX the charges here we are XX/XX/XXXX. It is bad enough to have ones property stolen now i have to deal with this and in such a rude manner. I feel helpless i do not feel they care to help me or will help me. This is wrong way to handle good customers who work hard and always pay on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XXXX, XXXX, TransUnion My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft, and I have been affected by the credit breach where my identity was leaked. I am unaware of the accounts that you continue to report. Please take this documentation I have provided as an internal dispute and an affidavit. I am allowing XXXX hours for your investigation for the errors to be correct and the inaccurate items removed permanently. If this becomes a problem for any reasons after XXXX hours I will file a law suit against your company for placing inaccurate obsolete information on my credit. I demand a copy of an original contract with under the new FACTA act. I will sue for willful non-compliance under section FCRA 616. 

Accounts : 1. XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX Thank You XXXX XXXX
Product: Debt collection

On a phone with LVNV Funding LLC the customer representative was extremely rude, hostile and attempted to intimidate me by using aggressive tone, and escalating/fighting words. Representative also demanded that I must make a payment today via ACH or he will not provide any validing information.
Product: Checking or savings account

Chime Bank refuses to validate my government ID to regain access to my account.. 

As of XX/XX/2023 moving forward my SSI deposit has be stolen through unauthorized transaction Chime Bank refuse to dispute my case because my physical address for some reason does not accept replacement debit cards,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XX/XX/XXXXPORTFOLIO RECOVERY add a derogatory mark on my credit report per XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX Upon further research, this account was transferred /sold and I am no longer responsible for it. Collection company have to provide me with competent evidence that I have any legal obligation to pay them. The company have to provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the license to collect in my state.