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

I am writing to dispute the following information that appears on my Experian credit report from XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, with a balance of {$220.00}. 
I previously disputed this account and do not agree with your claim that it's frivolous. I personally created and mailed the letter, providing the reason for my dispute in clear and simple language. As per FCRA 1681i ( Reinvestigation of Disputed Information ), you had 30 days to investigate my dispute, and it was not properly done. Please delete any negative information in this account immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$15000.00}. 
I previously disputed this account with the statement : " This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00}, or delete the negative payment status on this account. '' I do not agree with the results of your investigation. As per FCRA 1681i ( Reinvestigation of Disputed Information ), please mail me the proof of your investigation and the proof of the negative payment status for this account, or delete the negative information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$860.00}. 
I previously disputed this account with the statement : " This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00}, or delete the negative payment status on this account. '' I do not agree with the results of your investigation. As per FCRA 1681i ( Reinvestigation of Disputed Information ), please mail me the proof of your investigation and the proof of the negative payment status for this account, or delete the negative information.

Please reinvestigate these matters and delete or correct the disputed information as soon as possible, in compliance with FCRA 1681i ( a ). I expect your investigation to be completed promptly, within the 30-day period required by law. 
In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Do not accept the findings of any furnisher who has not provided comprehensive and detailed documentation to substantiate the negative information reported. If your investigation reveals insufficient or unverifiable information, I request that the negative information be deleted from my credit report. 
Please provide me with a copy of the specifics of your investigation, including the response from the furnisher, as required under FCRA 1681i. 
I personally signed and sent this letter, and I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were established without my authorization, likely due to a data breach. Pursuant to my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Accounts XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} Fraudulent Inquiries : XXXX XXXX XXXX NA - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Around XXXX day Robinhood displayed a banner about no longer supporting my Robinhood Crypto Wallet account. With link saying, " Due to your recent crypto wallet transfer ( s ) that violate the Robinhood Crypto Customer Agreement, we can no longer support your Robinhood Crypto account. '' When trying multiple times to get in contact with someone, I later got a reply from an email I sent to them. 
They only replied with information such as " After reviewing your Robinhood Crypto account, we found activity that violates our Robinhood Crypto User Agreement. '' and " Please note that this is a final decision and no further information will be provided. ". 

As shown in the attaches I have not done any transfers or trades during the " recent '' XXXX month. The last activity as shown was XXXX until I got their reply above which only allows to sell and I confirmed that. 

If transfers are only showing up on their side, the company should inform the user of the fraudulent transactions so proper actions can take place.
Product: Credit card or prepaid card

I have spoke to Chase to report unauthorized charges on my account, I was I going get letter in the mail to sign and return back, I was also told I would get temporary credit on the account, neither happened. 
Chase Sapphire Card
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage Company - XXXX XXXX is inaccurately reporting on my credit file. XXXX XXXX  is reporting : Opened Account on XX/XX/2023 with one payment on XX/XX/2023. 

This is SEVERELY INACCURATE! 

Account was opened on XX/XX/2023 and first payment was made on XX/XX/2023, along with a second payment on XX/XX/2023. 

Several attempts have been made with XXXX XXXX to update my credit file with correct reporting information, they failed to update my credit. XXXX XXXX  representative stated to file a compliant. 

This is unacceptable and I'm requesting the IMMEDIATE update of my credit file to reflect : Account open - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX on - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I called the ( XXXX ) XXXX XXXX number and ordered my credit report from all three credit reporting agencies, which included Equifax . received my report from XXXX and XXXX, but never received anything from Equifax. 

On XX/XX/2019, I called ( XXXX ) XXXX and ordered my credit report from Equifax once again, since I never received it ; to date still have not received it. I called cfpb for Equifax 's phone number, and was given ( XXXX ) XXXX, but that number only refers you back to the " XXXX '' number I previously call ; so I once again requested my report, but have no illusions about receiving it, given the past results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the mortgage company in XXXX, XXXX and today. I faxed them in XXXX. My balance has not been updated since XXXX. I disputed it with the credit bureau in XXXX. I am being told it is the error of the credit bureau and the credit bureau blames the mortgage company.
Product: Debt collection

Not sure of dates, but about XX/XX/year> I received a letter in the mail taking me to court by Jefferson capital, whom I had never heard about. After checking my credit report, they had already reported on my credit before ever hearing from them. I then emailed them. It was explained to me that once the sheriff 's office had filed paperwork, I would get notified on my door by a police officer. Ordering me to go to court and that never happened. Then in XXXX, I received a letter by mail for a settlement. So I assume court was null and void, so I never went. I never received an email reply. And I have yet to hear from them again. They have never validated my debt or proved that I owed anything. They actually bought my debt from another debt collector.
Product: Credit card

after have capital one credit became a hassle charge a late fee before i got my first bill charged me extra to pay over the phone and they would not set up a atutomatic payment once a month and up my rate XXXX percent so in frustration i stopped pay know they are trying to sue me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit based on a TransUnion ( TU ) credit report notation indicating that I had paid an account late. I requested an investigation to dispute the notation on XX/XX/XXXX. I contacted TU on XX/XX/XXXX which was 30 days since the dispute. TU had not made a determination within 30 days. TU finally removed the notation on XX/XX/XXXX. I contacted TU to request an updated copy of my credit report and was denied. 

TU offered to provide my credit report if I paid for a service. I said no, I am entitled to a full report after a dispute has been settled and removed. TU also makes this matter difficult as they have my address listed as XXXX rather than XXXX XXXX XXXX for ZIP code XXXX. TU also directed me to other compartments, Disputes telling me I can get my report from Online, Online telling me to get my report from Disputes. 

I simply requested a copy of my report and was denied. 
I requested access to my online account to view my report, and was denied unless I paid a fee. 
I requested that TU contact creditors who received my previous report with errors and provide them with an updated report, and was denied. 
I requested that TU update their system to having my address as XXXX instead of XXXX XXXX XXXX, and was denied.
Product: Checking or savings account

I get charge a monthly fee every month for XXXX since I opened an account they said they would charge me if I couldnt get atleast XXXX a month into bank account which I have always done
Product: Mortgage

Good morning, Ive left a voicemail and sent the below email to XXXX XXXX XXXX XXXX XXXX XXXX XXXX My family and I have just under XXXX weeks left before the auction that the lender posted. 

By law and the federal government programs in place to help homeowners such as us, especially after Covid-19 we are trying to work with our lender as we have worked hard to minimize our hardship. 

Why are they doing this auction in the middle of review which we should be finished by now? 

Why arent they at the very least postponing the date to redo our loan to pick up the payments again? 

Please let me know what I can do to stop the auction as we are nervous and frazzled at this point to say the least. 

We didnt expect this to occur as we have been working with the lender. 

Kind regards and thank you, 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 Loss Mitigation XXXX Hours of Operation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

Hello, Thank you for reaching out to me regarding my credit situation. The main reason for me reaching out is because of a recent auto repossession ; it is not the typical repossession. The contract from XXXX on a XXXX XXXX, now with XXXX miles, discovered duplicate monthly payments from two separate accounts. The finance company Capital One Auto Finance in XXXX, TX, did not accept admitting to the duplicate charges. Despite my many unsuccessful attempts, including scanned and faxed bank statements. I reached out to the bank, the OCC, and FTC. The P & I paid a total of over $ XXXX in that period. Since COAF ignored my claims, so was the account. Until they closed the and wrote off the account, that is how it reflects on the credit report.

Along with a Credit Repair service contracted to help by sending COAF letters disputing the account. On XX/XX/XXXX, during a pandemic and recent power outage. The car in the driveway, while charging my phone, a tow truck pulls in and attaches it, and tows it away. Now COAf is charging the alleged $ XXXX balance and repo service feesa snapshot of the current credit situation. 

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

On XX/XX/2022, I sent a letter certified tracking XXXX XXXX XXXX XXXX XXXX XXXX to get inaccurate information on my credit report investigated. 
The credit bureau stated that the below accounts were properly investigated but how is that possible if there is still inaccurate information on my credit report. This is grounds for REMOVAL. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Debt collection

Synchrony Bank from Amazon has been calling me repeatedly throughout the day in attempt to collect debt. I have already set up incremental payments to them for the debt I owe. I pay them through electronic check. They continually call me from what shows up as " unknown '' constantly through the day AND they call me while I am at work. I told them if they do n't stop, I will report them. These constant calls have not stopped.
Product: Student loan

I have a loan with Earnest. In my account I have selected an option to reduce the amount of my minimum payment when I make additional payments. With that setting I have made twice monthly payments summing to the amount I owe. I've done this since XX/XX/2019. Recently I decided to take advantage of a small interest discount by enrolling in autopay. I was enrolled in autopay for only 3 days when I saw that my preference to have additional payments applied to my next payment was nullified by the autopay program. Now the company refuses to adjust my next payment and leaves me unable to afford the payment as a result. I expressed to the representative I spoke to that this policy had made the payment unaffordable for me and they continue to do nothing. Until now I have always made my payment on time and in full.
Product: Checking or savings account

Chime denied my disputes to these fake sweepstake casinos from different countries and I returned all proper paperwork and has no gave me a reasoning for being denied with over XXXX  dollars stole from me
Product: Credit card

On my XXXX XXXX credit card were additional charges outside of the one I had made to fly to XXXX. A few months after arriving in XXXX, I had noticed these additional charges and disputed them first with XXXX XXXX, who after a month refused to do anything. Then I disputed with CitiBank. I was told the time would XXXX days until a dispute decision was made. 

I never received an update. After contacting CitiBank, I was told that the dispute had been resolved and I would see a credit of XXXX on my statement. 

The statement was posted, but no credit was received. I contacted them again, I was told on the next statement date. Which would be XXXX/XXXX/2015. Now it is XXXX/XXXX/2015, and I have checked the statement, and there is still no credit. I contacted CitiBank again, and was told to wait until the next statement. 

Every month, I am being charged interest on the total amount I owe plus the XXXX. This is illegal what they are doing. They need to go back and refund all of the interest paid, and the XXXX to the balance of my account. 

A complaint is also being filed with the Attorney General and the Federal Trade Commission. 

I have copies of all of the chat transcripts and documents sent and received. 
Chat Transcripts, Unauthorized Charge Affidavit and Letters, Statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am saubmitting this CFPB complaint to express my utmost dissatisfaction with the inaccuracies present in my credit report. After carefully reviewing my credit report, I have discovered numerous errors that are severely impacting my credit score. This level of negligence is completely unacceptable, and I demand immediate corrective action to rectify the erroneous accounts, in strict accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ). As the Credit Bureaus are undoubtedly aware, Section 611 of the FCRA places the responsibility squarely on your shoulders to ensure the accuracy and timeliness of the information contained within credit reports. I have fulfilled my obligation by promptly bringing these inaccuracies to your attention. It is now your duty, as mandated by law, to promptly investigate and rectify these errors within the legally prescribed timeframe of 30 days. The errors that demand immediate attention include, but are not limited to : XXXX XXXX XXXX XXXX with a Balance Owed of {$810.00}. Therefore, I urgently implore the Credit Bureaus to take immediate and decisive action to rectify this dire situation by expunging the aforementioned account from my credit report without any further delay. I trust that the Credit Bureaus will execute the necessary measures to enforce strict compliance with the FCRA and ensure the protection of consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Transunion is reporting a bankruptcy on my credit report and they put in the furnisher as being the United States Bankruptcy Court Southern District of Mississippi which is false. I have attached a letter from the United States Bankruptcy Court Southern District of Mississippi dated on XX/XX/2022 verifying and stating that they do not furnish information to the credit bureaus or any other credit reporting agencies. Nor do they validate any information concerning bankruptcies. Transunion is falsely stating this information on my credit report and yet to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of tha t 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Ive disputed with Experian, the deceptive collection account from XXXX XXXX XXXX alleging i owe debts in the amounts of {$190.00} and {$260.00} being reported on my Experian credit report. Ive requested Experian and the collection company to verify I owe such alleged debt, it has been well over 30 days for XXXX XXXX to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit reeport immediately. it is Experian responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) and they have failed in doing so. Experian, Is violating the FCRA and if they fail to delete this inaccurate information from my credit file, they must be held liable per 15 usc 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient had informed me that the my payments were current. A credit report showed that i was in good standing in XXXX loans but not the XXXX other loans. I called the customer service rep and they informed me that i was late on XXXX loans, and that i should consider placing the loans on deferrment.
Product: Debt collection

XX/XX/2019 amount {$840.00} Actions - Ive tried numerous times to contact the company to acknowleged them of this wrongful matter
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about Equifaxs failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ). 

As per federal regulations ( 15 U.S.C. 1681i ), Equifax is required to conduct a full reinvestigation of disputed items within XXXX  days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law. 

I am disputing the following negative entries on my credit report : XXXX - XXXX - {$0.00} Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress. 

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchased windows for our home Via a loan in the winter of 2019. The conditions allows us to pay off the loan in 2 years without the penaltyOf accrued interest. We have been making payments on the account, so far we have paid {$7000.00}. On all credit 3 credit reports the paid amounts are not being applied to the outstanding balance. The balance shown, is the original balance. I am seeking resolution in this matter. Thank you XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, 2022, Ally Bank instituted CoverDraft for checking accounts. CoverDraft is where they cover overdrafts, up to {$100.00}. It's a feature we've automatically added to Ally Bank Interest Checking Accounts. 

When CoverDraft is used to cover a transaction, you receive a notification from Ally with the transaction information, and a message saying that we typically don't let you make purchases or withdraw money from your account if it stays negative for 14 calendar days. 

My account was overdrawn on Wednesday, XX/XX/2022. I received an email from Ally that stated : We'll never charge you an overdraft fee, but you'll have to deposit or transfer {$50.00} to get your account out of the negative. 

Immediately after that message, I received an email stating my account had been deactivated and that a deposit would be required to reactivate the account. 

On XX/XX/2022, I received a {$150.00} direct deposit. My account remains deactivated and Ally Bank has yet to reactivate my account and has left me without access to my funds. 

Ally Banks CoverDraft is not only an inaccurate, ineptly unfairly applied policy, it is fraud.
Product: Credit reporting or other personal consumer reports

I submitted a letter to Experian on XX/XX/2023 disputing a collection account. I also submitted supporting documentation of an FTC report. It has been over XXXX  days and I have not received any updated information and the collection is still on my credit report.