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

Subject : Dispute of Charge-Off on Credit Report under 15 USC 1681e Dear XXXX XXXX, I am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this charge-off is incorrect for the following reasons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting to my consumer reports TWICE! VIOLATION!! Numerous inaccuracies. One report XXXX XXXX XXXX XXXX XXXX XXXX  ) shows High Credit reporting {$1000.00} on XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE! Account Status shows on One Report TransUnion XXXX XXXX reporting Derogatory, & XXXX reports Transferred. The other report shows XXXX reporting XXXX, XXXX reporting Derogatory. This is confusing! and has caused adverse affects on obtaining credit. Date Opened on one report TransUnion reports XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. One Report reports TransUnion XXXX XXXX shows Collection/Chargeoff XXXX XXXX shows Current. INACCURATE! Comments show on one report XXXX reports Current & XXXX reports Collection/Chargeoff. Comments show on second report Charged off as bad debt. Purchased by another lender reported by TransUnion, XXXX reports the name of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is owed to XXXX XXXX XXXX. Date Last Active on one report : TransUnion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, & XXXX reports XX/XX/XXXX. Date of Last Payment : TransUnion reports XX/XX/XXXX, XXXX reports XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Last Reported TransUnion shows XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. INACCURATE DATA REPORTING! On second report XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ] shows Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Clearly there are numerous inaccuracies violating the FCRA 15 USC 1681e that credit bureaus are to maintain 100 % accurate & complete records. ( SEE ATTACHED my consumer reports from XX/XX/XXXX. ) REMOVE both of these accounts IMMEDIATELY!!! Additionally, under 15 USC 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up to my earlier complaint. Transunion Finally Responded to the CFPB Complaint. Transunion has claimed they have " Verified '' the CH XXXX Bankruptcy on my report but have not provided how they have verified this information. I have a certified letter from the XXXX XXXX Bankruptcy Court stating that they DO NOT provide information to Credit Bureaus or ANY third parties. Transunion has now, for the third time, failed to respond to my method of verification request concurrent with the FCRA. 
A copy of the response from Transunion is attached to this complaint - Please not this is the first time they have responded likely because the complaint was through the CFPB
Product: Credit reporting or other personal consumer reports

I didn't authorize these Ally Financial to pull my Credit. I requested my signature of contract.
Product: Checking or savings account

I am paid on wednesdays. They said theyre having an issue with direct deposits. Itll be handled by Friday. It is Saturday I have no food no money my bills are late because of their error not mine.
Product: Bank account or service

To Whom it may concern, On XXXX XXXX 2016 I went into my First Bank to see if my money was pending, like I always do. Yes, it was pending, I waited till the first when the funds would be available, to pay my bills like always. The money was there like my ex husband and I agreed upon, for the child support. I paid my bills, on the XXXX of XXXX, I was sitting in the parking lot of the library with my daughter, looked at my gas tank ( which was on E ) checked my bank account. ( It was XXXX XXXX on a Friday at XXXX. ) I looked at my bank account on my phone, the amount was XXXX as I sat there starching my head, I said to my self, " This has to be wrong! '' I logged out, logged back in again and said the same thing!! I called the bank, the representative checked all my information, kinda sounding nervous, put me on hold and got back to me, saying, " That he, ( my ex-husband, who is NOT affiliated with First Bank in anyway shape or form ) went into my account and said, " There is a check in my name go9ing into her account and I want it back! '' And the bank gave it back to him!! I feel sooo invaded, First bank did n't call me to even let me know that this happened, just let him go into my out personal account and let him take away all of my child support money and our children 's XXXX money. I was unable to pay my bills, I had to ask XXXX XXXX, to help us keep the utilities on. I was unable to pay my mortgage, again for the second time!! The First Bank manager wanted to see a copy of my divorce decree, which I brought over to them on the next day Saturday the XXXX. How can this happen? I have been doing this transaction of {$2100.00} for months, with this bank. I spoke with the vice president of the First Bank, and basically that conversation went no where. How can this happen, how can alll of these people get away with taking my children 's child support away from them?!?. 
Police report # XXXX call XXXX for the police reports there are 9 of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent a registered letter to XXXX XXXX XXXX about a credit report they filed on my name that I owe XXXX {$110.00} which is totally untrue. I explained to them that other then my cell phones with XXXX XXXX of which I am current with I dont and didnt have any business with XXXX for a many years and did n't get any notices from them of any balance. 
I didnt get any response from them and they did not remove this claim from my credit file
Product: Debt collection

I received a debt notification through mail on  XXXX / XXXX /  XXXX   of {$22.00}. I contacted  Montgomery Ward  through email on  XXXX / XXXX /  XXXX   and they notified me on  XXXX / XXXX /  XXXX   that the item had been returned and that it would reflect it in the next cycle but avoided the charges implemented. To this day I have not received a letter or email that explains the charges of {$22.00} implemented.
Product: Checking or savings account

I opened Investor Checking account at Schwab on XX/XX/XXXX. I also helped my wife to open 2 accounts at Schwab a few days later - Investor Checking and Roth IRA. I linked my account to all other my accounts, transferred XXXX dollars into it to prevent it from unexpected closing and setup direct deposit. My first direct deposit didn't come to account because it was suspended. I called Schwab 8 times to know what happened with my account and how I can help them to resolve this. I called them on XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 times ). At first they said that my account should be verified and asked my personal info. I provided it. Then they said that my account was verified, and everything is ok and it will be unfrozen soon. Then they said that they can not check the status, then again. Then they added my phone number into XXXX list, I tried to call them 3 times on XX/XX/XXXX and everytime call was interrupted right after establishing connection. Right after that I called them from my wife 's phone and I was able to connect to them. This time they said me that my account was terminated because of " business decision '' and I can not restore it in any way never. All these times they promised me to call back and tell the status, but they never called me back or communicated to me in any way. Last time they promised me to send me a check with my money, but they didn't do it either. And today they suspended account of my wife. I know that my case was reviewed/processed by XXXX XXXX from Schwab enhanced security team, I was said about this during some of the call. Last time I called them I asked to talk to manager. And manager promised me that she will personally start an investigation and will let me know the results of it in a week. She never called me back or communicated to me in any way. Schwab 's offices are currently closed, I tried to setup an appointment via their website a few days ago, but no one called me back. I want that Schwab conduct investigation and tell me the reason of account closure, because I don't want to get some other account closed at some other financial institute by the same reason. I want to get my money back. I want to get my wife 's money back as well.
Product: Credit reporting

Incorrect information on late payment by XXXX was not corrected by Transunion as requested by XXXX. XXXX requested that each of the consumer reporting agencies to : " Delete the delinquencies from my credit report '' XXXX did as requested but XXXX and Transunion have not. This is my second complaint on this subject.
Product: Credit card or prepaid card

I had scheduled an ON TIME payment in full on their online banking before my XX/XX/XXXX due  date. However, before that date, I closed a checking account, which had nothing to do with my credit card, nevertheless, that apparently changed my relationship with the bank, which changed my " profile '' which then triggered them deleting my " pay from '' account associated with my credit card, which in turn deleted my ON TIME scheduled payment. On XX/XX/XXXX they assessed a {$25.00} late fee as a result and after two discussions with a CSR, they will not reverse the charge. I find this practice of a profile change that caused a deletion of a " pay from '' account malicious and intentionally coded into their system.
Product: Debt collection

On XX/XX/2020 I wrote a certified with returned receipt letter ( # XXXX XXXX XXXX XXXX XXXX ) to Merchants Credit Guide in reference to an amount posted on my credit report for the amount of {$150.00}. As the Fair Credit Debt Collection Practices Act ( FDCPA ) they are not allowed to report to any credit report bureaus ( XXXX, XXXX   & XXXX ) until I verified this account. Merchants Credit Guide reported invalidated information to the credit bureaus without my knowledge. In addition, under the Health Insurance Portability and Accountability Act ( HIPAA ) Merchants Credit Guide is in violation of the act.
Product: Mortgage

Carrington Mortgage has done two escrow analysis on my home within one year! I read on their website they do it only once. Soo now they have done this twice and my payment since then has went up over XXXX XXXX I dont believe this is right, or legal. I seen they have tons of complaints and hate that my mortgage got sold to them. I have also tried several times to call them and I can never get in touch with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX  Account Number : XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022
Product: Credit card or prepaid card

I have tried several times to reach Capital One by phone to file this dispute. The only way to reach them is by phone or US mail. THEY HAVE NO EMAIL OR CHAT AVAILABLE!!! I think they purposely wall themselves off from their customers. This bank/card issuer is corrupt!
Product: Money transfer, virtual currency, or money service

Hi, I had been using XXXX  XXXX and with the SLA they would let me redeem my currencies within 5 days. 

I had requested on XX/XX/16 and as of today my money is still not available and showing pending. 

I have over XXXX in it and would like to be able to access my asset as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry on XXXX  credit report.

Was notified but refuses to remove the unauthorized credit inquires I was a victim of identity theft due to the XXXX  data hack. Someone else was using my identity.

Some have 2 credit inquires on XXXX  credit report.
Product: Debt collection

The debt is over 7 years and has inaccurate amount. Ive been receiving harassing calls and letters stating that I will be sued if I dont pay the amount. However its not the correct amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for Santander Consumer USA which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Debt collection

Am making a report because a collection company is trying to make me pay a amount that I don't owe Someone is Using my information And they Said that their gon na have my license suspended I berly started driving so idk how they got my information when I reported my information as someone using my information And keep sending me papers
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TransUnion 8 requests since XXXX of XXXX, to reinvestigate incorrect items. It is now XXXX of XXXX over a year later and Transunion is SILL reporting these items on my report without any response or validation. Ive included the last letter I sent which was XXXX of XXXX and copies of the three accounts they are reporting inaccurately. 

XXXX Account status " derogatory '' This account is PAID AND CLOSED IN FULL. - Remove this to reflect CLOSED XXXX  - Payment status " Late 120 days '' - Account was paid and closed in full in XXXX REMOVE this to reflect PAID XXXX XXXX- Comments- " Dispute resolved " - This account was never in collections, paid and closed and they never even started an investigation to validate any of the information on this account which is incomplete and inaccurate. REMOVE IT This is a huge problem and I expect that these items be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute in regards to the incorrect items on my credit report to XXXX  it has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting

I attempted to buy a car from XXXX XXXX in XXXX XXXX and the manager insisted he had to run a credit check which is XXXX hard inquiry. I told him not to run a credit report for a loan on a whole lot of companies because hard inquiries are hard to get rid of when you they are on your credit report. I gave him permission to ask for a loan from XXXX XXXX and XXXX XXXX which are XXXX auto loan companies I am currently using to pay off car loans and are in good standing. Well, needless to say he ran my report XXXX times lowering my score of XXXX to mid XXXX 's. I would like these hard inquiries removed from my credit report so I can purchase a new car or buy a home. I had a good score now I have a bad XXXX.
Product: Money transfer, virtual currency, or money service

I got a XXXX email in my XXXX account for an XXXX XXXX  over the summer and I replied to the email so that I could get the role. They asked for my achievements and past activities to see if I had any experience and XXXX days later I was told that another person would text me and proceed with the payments for the materials for my internship. They sent me digital checks and I would deposit it through Bank of America and due to the deposit wait, it would take a week for the check to process through my account. Because the wait time was long and the schedule didn't align with them, I had to pay out of pocket. I XXXX them the amount of money they requested and in return, they sent me a digital check of the amount I XXXX them as a " reimbursement ''. This lasted for a couple weeks and then XXXX day I got an email saying that my balance was too low. Once I checked, it showed that I lost all my savings and everything. I started panicking and tried contacting the guy who offered the XXXX and he never responded. I soon realized it was a scam and the checks were fake. I called the sheriff 's department and my bank to report a fraud case. The sheriff said he would investigate but he never got back to me after a few days of reporting. I even called XXXX and Bank of America and they told me they would investigate but they said they couldn't pay me back in a few days. I was completely devastated that I lost all my money.
Product: Debt collection

XXXX balance of {$85.00} is showing open in a credit report review. I have a certified letter receipt ( just found after MUCH searching ) from USPS showing I mailed ck XXXX XXXX/XXXX/13 to NCO Financial Systems Inc ( Collection agency ). Apparently they did n't get the information/funds to XXXX. How do I dispute this now? ( account XXXX )
Product: Credit reporting or other personal consumer reports

I have submitted valid police reports a few times, disputing accounts on my Experian credit report that continues to report inaccurately as mine, and Experian refuses to remove these accounts even with valid police reports that my purse was lost and identity was stolen. Therefore, I am filing a complaint because I have a right to have my information reported accurately and only factual information. I never had an account from XXXX, never gave them my identification to open an account, and I would like the account removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a 3rd party nor did I submit this in error.This is second letter I have sent to Equifax and they are intentionally and willfully being neglectful in remedying my affairs, see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I had an installment loan show up on my credit report from XXXX XXXX. I did not open the account my wallet was lost and had all my personal information in it for anyone to access when calling the company about this they said there was nothing that they could do and that I was responsible for this loan. When calling as well the loan had doubled due to the 700 percent interest rate making a XXXX dollar loan a XXXX dollar loan saying that I owed. I refused to make payments on this because I did not open it when asking to remove from my credit report they would not making it on my credit report negative affecting my report. None off the people speak any English nor is there any website or do they give you the payoff they just keep adding to it. This loan place is a scam and very unprofessional.
Product: Credit card

I made a purchase of a new battery from XXXX. The battery had issues ( the location I purchased from didnt know how to install a battery ). I had to go to a second location and they commented that the first location has issues all the time that they have to fix. The battery was arc-ing causing my car to stop suddenly regularly. I took it to the XXXX dealership and they replaced the battery commenting on the poor installation and not the right match for my vehicle. I went back to XXXX multiple times and all they would do is make me buy additional parts, but they battery wouldnt sit right in the vehicle. I submitted information to dispute the transaction to XXXX XXXX and all I got was a promise for a {$25.00} gift card, which I never received. When I contacted the credit card company, they asked for receipts and background information multiple times. They declined the chargeback.
Product: Credit reporting or other personal consumer reports

Hi, I have submitted request multiple times to have the extended fraud alerts removed off my credit file from experian, XXXX and XXXX. I have uploaded and sent all required documents and have not been able to get this accomplished.
Product: Vehicle loan or lease

I was charged really high interest rates in the month of XX/XX/2015 for a used car auto loan i can not remember the exact amount but I paid back over XXXX for a XXXX auto loan. I tried a few times to correct this issue but they gave me the run arounds sent me to an automated machines if I called or just ignored me all together no action has been taken to correct this issue on the company 's behalf.
Product: Credit card

The Chase credit card company kept charging me late fees for months even though my payments were on auto pay. They continuously kept charging me a purchase fee as well. I was not aware of all these charges until recently, like two months ago. They continued charging without me even knowing.
Product: Payday loan, title loan, personal loan, or advance loan

Recieved loan from one main financial and was charged for services I did not agree too. Currently still paying on loan as it started in 2019. I recently reached out to One Main after seeing this has happened to so many others and was told nothing could be done sing I signed.
Product: Credit card or prepaid card

On or around XX/XX/2017 there was an account opened using my information with capital one bank I did not request this card nor did I apply for this card. The balance as of today is {$840.00} and the credit limit was only {$300.00} I have no other derogatory credit accounts on my credit report.I have been disputing this account for XXXX years. Capital One has not acknowledged in any way form or fashion that I am disputing this account because OF identity theft. I have requested multiple times over the years for them to provide me with something pertaining my signature showing I opened and obtained this account and provided my signature. Capital One reported to all three credit girls that this account Belongs to me and has not provided any proof of my signature that I requested to open this account. I provided to all three credit girls a copy of an FTC report as well as a police report requesting to have this account removed from my credit report. The account was removed for about XXXX months and then on the third month I saw that the credit card account was replaced onto my credit report Im not sure if this is legal however I have reached out to them directly I have faxed over information that they requested and provided a copy of the FTC report the police report and a copy of my identification. Despite my efforts to prove myself to be honest by providing what they requested and work with them to let them know that my identity has been stolen. Capital One continued to reply that that this account belongs to me. however according to the law Capital One is required to provide some thing obtaining my signature and proof the account belongs to me. I still have not yet been provided with that information, I have made it very clear to Capital One that I will continue to dispute my claim with all three bureaus until they have completely removed this account from my credit report. Im not sure if it is illegal for them to remove an account from my credit report for XXXX months and then place it back onto my credit report. that is what has happened each time I made a dispute. This account was open and obtained online using all of my credit information. I am a victim of identity theft. I even suggested that the credit bureaus take a look at my other accounts of good standing and never late. This is the only account for a much smaller amount than what my credit limits are with other credit cards. I have no other debts besides this one. I have XXXX other accounts never late and always paid on time this account with capital one is hurting my credit and preventing me from obtaining other credit.