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

I am making a final goodwill attempt to have you clear up this matter its my understanding that the consumer financial protection bureau help enforce consumers rights and stop bad reporting agencies from reporting inaccurate incomplete information on consumers credit report also be advised that i made several attempts 120 days later. I still haven't gotten the proper validation. This agency is in violation of XXXXsc1681, for not properly verified the accuracy of any of the provided accounts I have copies for It's my understanding that reporting agencies are to ensure 100 % accuracy and not parroting false information which means any unknown account that can not be proved has to be removed. And section 1692g ( B ) states the collector must cease all collection efforts until this debt is validated.. another violation is 1692e ( g ) this agency has failed to communicate this debts is in dispute mode. It's obviously with 10 letters as proof this company can't verify this account, and under section 611 ( 5 ) ( A ) of the FCRA its required to be deleted ALL INFORMATION. i wont ever remedy that's granted to me for negligent noncompliance section 617 says if you fail to comply with the federal law, I can pursue litigation to enforce my rights under the FCRA.. I demand my right to be acknowledged to these company immediately. Sincerely XXXX XXXX 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XXXX, 2. XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( {$1200.00} ) Account number - ( don't have ) This company removed collection from my report and then put it back. This company is working illegally. It is very frustrating and I have not received any letter from them...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times regarding collections agencies not responding to validation requests that I have sent, which to my knowledge they can not report on these things legally without validating them at the consumers request. The last letter that I received from Experian basically stated that they would not remove the collections because they were valid ( but still no proof of validation sent to me although I requested it ). This is against the FCRA and CFPB rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax on XX/XX/2020 and XX/XX/2020 about an inaccurate XXXX account and unauthorized inquiries that are on my credit report. It has been over 6 months and I have not received a single response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 6 months these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I have already filed a FTC report. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that TransUnion is reporting two inaccurate negative items in my account on XXXX  XXXX XXXX, one inaccurate negative on XXXX, and one inaccurate negative on XXXX  XXXX. The four negative accounts are showing that I have a chargeoff account that has a balance on it. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter
Product: Checking or savings account

On XX/XX/XXXX, I received a promotion from Capital One offering a {$300.00} credit for opening a 360-XXXX  account. I tried to open the account online and transfer {$10000.00} from my XXXX XXXX. However, the promotional code provided by Capital One needed to be fixed. When I called the customer representative for assistance, she made a mistake and opened XXXX additional accounts, transferring {$11000.00} from my XXXX XXXX  account. This caused an overdraft and much stress. Since then, I have not received the {$300.00} credit, and the {$11000.00} transferred to the Capital One accounts has yet to show up. I can not close the additional accounts created by mistake, and I am losing interest from my XXXX XXXX  savings account. I want only XXXX savings account and a {$300.00} credit as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX did not hire a collection repair company. And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For security collection service XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX XXXX   XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove off my report.
Product: Credit reporting or other personal consumer reports

My account with the company has always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX, with all payments set up on XXXX. The reported late payment is due to a systematic error on their part in processing my payment. 

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family. 

I demand that the late payment reported in the specified months be removed. 

The company is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law.

According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date. 

The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date in good faith pursuant to rule 1002, but this proof was never provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

Please remove the late payments from my consumer reports.
Product: Debt collection

I was threatened by a XXXX XXXX from a XXXX XXXX XXXX XXXX XXXX Firm. I received a phone call stating that their was a client who had sued me in the county I lived in and that there was a judgement against me. From there, I was told I had one opportunity to resolve the matter with the client if I selected " 1 '' on the keypad of my phone, which I did. I was connected to " The desk of XXXX '' who then recited my social security number to me, as well as the county I live in. She told me she worked for a mediation firm who was hired to resolve this matter as there was a judgement and claims against me in my county as we speak. When I asked the name of the company she told me they were " XXXX XXXX XXXX  ''. When I asked her if she was attempting to collect a debt she said " we are just trying to resolve this '' but could not tell me a way in which they were trying to resolve anything, other than taking my money. Afterwards, I asked her if she knew they were violating FDCPA, she said they were not because the statute of limitations on the debt didn't apply, which is false. I asked to speak with her manager and the man I was connected to said that they were hired from Wachovia and a place called XXXX. After I asked further if they were hired by these companies or if they had purchased the debt from one of these companies, he hung up on me. When I called back he said that they had misidentified me, they were looking for a DIFFERENT girl who had my name and social security number and they would be returning these files to their clients. When I said that can not be considering they had all of my information and that I was going to follow up with the legality of their 'firm ' he replied with more threats, stating that I had falsified information by confirming a birthday that was no my own and that I should think about that. I told them I was confident they had purchased this XXXX XXXX XXXX debt and were collecting from people illegally while using abusive tactics and he said because I was accusing them he would have to terminate my call and would not answer afterwards. I feel so sorry for the people who do not know better and fall for these aggressive tactics. This all happened on XX/XX/21 and I never got to hear how much they were claiming I owed before they were too scared to give me any other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKPT CT TN XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX   that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  XXXX XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX/XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed filed ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ACCOUNT XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX XXXXXXXX account number XXXX has violated my rights, XXXX XXXX XXXX  ACCOUNT NUMBER XXXX has violated my rights balance for acct is {$350.00}, XXXX XXXX XXXX has violated my rights for acct XXXX Balance XXXX XXXX XXXX  account number XXXX has violated my rights, XXXX XXXX  account number XXXX Balance XXXX XXXXXXXX XXXX has placed multiple accts on on my XXXX XXXXXXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX dollars, XXXX XXXX BANK XXXX account XXXX XXXX has violated my rights balance is {$720.00}, XXXX XXXX XXXX account XXXX XXXX, 15 U.S.C. 1681 section 602 A. States I have the rights 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.
Product: Credit reporting or other personal consumer reports

My Report isnt being taken into consideration because Ive reported the fraudulent accounts and inquires to this bureau and no one has taken the action to actual investigate my case. Im demanding that these accounts be removed.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX I called the Nordstrom credit card to complain about the unauthorized charged in my account. the charged was on XX/XX/XXXX. the amount of {$680.00}. 
they said they will investigate the matter. 
and today they send me the letter says that closed the investigation because they 'attempted to call me several times but haven't been successful to have some more information. 
I having XXXX XXXX so I'm in pains and want to rest all the time, so I don't answer calls or anything. But, at least they post the massage on my account in their website, because I checked the message box in my account I did not see any message. Or at least send me a letter.

One more thing. when I called and first they said the couldn't go back that far.

because I'm sick so I did not pay attention with my bill, I just pay the amount. And now I transfer the balance to another card that why I review and see the matter. 
that's why it's happened in XX/XX/XXXX but I just disputed it now. 
I would like to Reopen the investigation of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested free credit reports through the site annualcreditreport.com on  XXXX / XXXX /  XXXX  .  XXXX  of the companies provided the report. Equifax did not provide the report. They told me to download a form to fill out and mail in. I called them on the phone and could n't speak to anyone. My friend said this happened to her both times she requested her report in the l ast two yea rs. This is my first time requesting a report. A quick search for complaints about Equifax shows we 're not alone. This is obviously standard procedure for Equifax to force people to buy a report when they ca n't access their free report. I refuse to be victimized by a company in long term blatant violation of the law. Please investigate and correct.
Product: Debt collection

I got notification of from Credit Karma that there was debt placed under collection under my name while I used to live in XXXX XXXX  during that period of time. Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX XXXXXXXX {$3200.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX High Balance {$3200.00} Original Creditor XXXX XXXX XXXX Past Due {$3200.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<
Product: Credit card

I enrolled in the My Chase Loan program on XX/XX/2023. This program allows you to select specific transactions, typically larger ones, and make equal fixed payments over a chosen term without accruing interest. Instead, it involves a set monthly payment. Here are the details of one of my transactions : I had a balance of {$1900.00} to pay over 18 months at a fixed amount of {$100.00} with a 0 % APR. 

During the enrollment process, they explained that I would only need to make this fixed payment for transactions included in the program, which they refer to as the " XXXX XXXX XXXX. '' However, they did not provide clear information on what would happen if I decided to pay more than the amount required to cover interest. 

This lack of clarity caused confusion because I believed that by making the fixed monthly payment, any excess would automatically be applied towards the portion of my bill not covered by the program. 

After making a {$1300.00} payment and seeing that the " My Chase Loan '' payment was listed as XXXX, I assumed the excess payment would be applied to the " Interest Saving Balance, '' which is meant to prevent interest accrual. 

However, it appears that they allocated most of my payment to the " My Chase Loan '' balance, even though the required payment for the program was also XXXX, as explained earlier. 

As a result, my statement now shows a " My Chase XXXX '' balance of {$1100.00}, while my " XXXX XXXX XXXX '' stands at {$1300.00}. This is quite different from what I expected, as I believed the " My Chase Loan '' balance would have been {$1900.00} ( with the first payment due after the XX/XX/2023 statement ) and the XXXX XXXX XXXX would have been approximately {$530.00}. 

Additionally, they only clarified after the payment was completed and I had to call them that any amount paid above the fixed payment and the " XXXX XXXX XXXX '' would be applied to the entire outstanding balance. However, they did not provide specific details on how this payment distribution would work between both program components. 

It's concerning that, in practice, they reduced the amount covered by the 0 % APR and left the remaining balance accruing interest at a rate of 20.24 % APR. This practice appears to be deceptive and abusive, which goes against the principles of UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ). 

While they mentioned that these terms were outlined in the service agreement, they were unable to specify where. They simply encouraged me to review the terms. This lack of transparency and clarity in the program 's operation is a cause for concern and frustration.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of the reporting on my XXXX XXXX XXXX XXXX account ( Account # XXXX ) listed on my Experian credit report. This account is marked as 'Voluntarily Surrendered ' and reflects a charge-off amount of {$XXXX} with a balance of {$XXXX} as of the last update in XX/XX/year>. I believe there are inaccuracies in the reported dates, amounts, and account status. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, and I have formally requested that Experian investigate and verify the information. I am seeking verification of the reported information, and if it can not be verified, I request that the account be removed from my credit report.
Product: Money transfer, virtual currency, or money service

I moved where there was not a Chase bank, so I utilized XXXX to pay for a porch in XXXX while on my application thru the online banking with Chase, the funds that i had allotted to the porch just disappeared in front of me, I requested the money back, called my bank, they returned and then took it back saying that I authorized this, after many hrs on the phone I got the case reopened and once again returned money, then XX/XX/year> took it back again saying they investigated yet never spoke to the person who was suppose t o have received the fund ( XXXX XXXX detailing whose number was on XXXX ) I called this persona as I did not know them asking them to please give the money back ( XXXX ), they stated they never got it, in fact sent me copies of their account from the day in question, yet Chase does not want this information. I have called branch, called customer service, call and tried to reopen claim, file complaints and no one is listening, as I talk to a different person every time, I have even reached out to XXXX. The point is if I did not send the money, and the XXXX did not receive the money, where is it? why can it not be located, why have I been victimized by this process and the bank. I saw an online article about Chase and XXXX so I thought I would try reaching out to you. 
thank you XXXX XXXX desperate to have my XXXX returned