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

Account : GM Financial # XXXX ( {$370.00} per month ) XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to XXXX, XXXX and XXXX : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to GM Financial for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to XXXX, XXXX and XXXX by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Credit reporting or other personal consumer reports

My Credit was ran back in XX/XX/2022 by XXXX XXXX XXXXXXXX. This information shouldn't be of my report still. Please remove from it, thank you.
Product: Credit card

On XX/XX/2023 NAVY FEDERAL CREDIT UNION conducted a manual review of my credit card account ending in XXXX for an automatic credit limit increase and has committed Adverse Action against my right to credit as defined under 15 USC 1602 by denying me a credit limit increase. NAVY FEDERAL CREDIT UNION has denied me my own extension of credit via my credit card defined under 15 USC 1602. NAVY FEDERAL CREDIT UNION has discriminated against me by denying me a Right and for the purpose of me exercising a Right being in violation under 15 USC 1691 ( a ) ( 3 ), ECOA, 18 USC 242. NAVY FEDERAL CREDIT UNION has committed a violation under 15 USC 1691 ( d ) ( 6 ) under Adverse Action which states -- -- -- - '' Such term does not include .... or where such additional credit would exceed a previously established credit limit '' -- -- --. Congress has clearly and directly stated there is no adverse action for a credit limit increase. This unlawful denial of my right to my own extension of credit as defined under 15 USC 1691a has caused me financial harm and mental anguish and has caused me to feel severely discouraged and to lose confidence in the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently opened an account with Moneylion INC . I had never heard of them until they showed up on my report. 

I called them twice and twice I was told someone would call me or email. That has not happened and the account is negatively affecting my credit score. 

Ticket XXXX Money lion ticket XXXX Fraud account ticket number XX/XX/2021 Account shows that it was opened on XX/XX/2021 And again I never opened an account with them. This is a very bad company and there is lots of complaints about fraudulent accounts and people getting a run around to try and get their names cleared. What it shows is that they have a very poor way of verifying people that are applying for loans. Its leaving me personally with a credit score that been affected and I cant buy a home because of their incompetence. They are very very hard to reach to get anything resolved.
Product: Credit card

On XX/XX/XXXX, I paid {$5100.00} to XXXX XXXX XXXX XXXX  for time sensitive legal services using my American Express card. However, XXXX XXXX failed to provide the agreed upon services. Thus, I asked American Express to stop payment. 

XXXX XXXX did not disagree that they failed to provide services. However, American Express has made a series of errors in which I have been billed XXXX times for services in the amounts of {$5100.00} ( XX/XX/XXXX ), {$5100.00} ( XX/XX/XXXX ), and {$5100.00} ( XX/XX/XXXX ) ; then credited on XX/XX/XXXX and XX/XX/XXXX in the amounts of {$5100.00} each. This means I still owe {$5100.00} for services that I did not receive! American Express refuses to correct their mistake. 

My phone calls to American Express have been useless. 

This is no way to treat a rewards member.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XXXX I attempted to dispute this account with PNC Bank NA. I opened this credit card in XX/XX/2021 with the expectations that they advertised I would receive a higher deposit interest rate on my personal checking/savings accounts which were under both my name and my living trust name. A couple months after opening, I was told that the bonus interest rate would only apply to either my personal accounts or living trust accounts. I chose the living trust accounts as that's where I held most my money. However, the following month I started receiving bank fees on my personally titled accounts as they could not link the personal to trust accounts for balance aggregation, only trust to personal. So I had to either chose to get the fee waiver with no bonus deposit interest rate based on this credit card because of how they could link accounts, or I had to downgrade my personal accounts and could not use my trust balances to waive the fees as their systems could not link the accounts together even though both were under my personal ssn. I had to wait until XX/XX/2021 to close out my accounts. I would have never took the credit card to get the higher deposit interest rate had I known there would linking issues. The credit card was only opened a few months and it was closed. I've requested several times that the credit card be removed from my credit report as it's hurting my average account age, but they refuse too. I was told by opening the card I would get a higher deposit rate which was completely false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, original creditor have found out that these accounts listed below have not been deleted off of my consumer report. There was no consent nor did anyone give permissible purpose for the accounts listed below pursuant to 15 USC 1681b ( a ) ( 2 ). Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. Pursuant to 15 USC 1681b ( a ) ( 2 ), consider this as my written instruction. Furthermore, as defined in 15 USC 1681a ( g ), please provide me with a credit file.
Product: Credit reporting or other personal consumer reports

Obtained XXXX credit report and noticed fraudulent account 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 reporting, credit repair services, or other personal consumer reports

Medical debt according to legal definition is debt that arose from the receipt of XXXX XXXX products or devices. 
After facing a life-threatening illness I was forced to take on medical debt from the receipt of XXXX XXXX and therefore it qualifies as medical debt. 
Medical debt is not allowed to be reported until its more than a year past due however Experian continues to report medical debt that is less than one year past due. They have been informed of this but dont seem concerned about obeying the law. The problem with them verifying with the creditors is they dont get an accurate answer and only a scripted answer from a customer care agent lasting basic legal knowledge This is pertaining to XXXX XXXX and XXXX XXXX XXXX XXXX, Commenity, XXXX XXXX and XXXX XXXX I have filed numerous XXXX XXXX XXXX complaints against Experian but they dont take medical debt law seriously. All they do is read scripted answers and change the topic.. I will request that they refrain from scripted answers and only discuss the removal of the medical debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA the credit bureaus supposed to report 100 % accurate and verified information on consumers credit reports. XXXX  removed this item XXXX XXXX XXXX XXXX off my credit report but XXXX  and Equifax kept it. I demand that they provide a METHOD OF VERIFICATION or DELETE it off my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USD 1681-s.

The accounts in question, reported by TRANSUNION, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report.

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

TRANSUNION has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, TRANSUNION has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law.

I am disputing any ownership of debts associated to these accounts. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report concerning an account with SAFCO. The details are as follows : Creditor : SAFCO Account Number : XXXX Current Balance : {$16000.00} Discrepancy : The account has been reported with inconsistent past due amounts, ranging from {$16000.00} in XX/XX/XXXX to {$16000.00} in XX/XX/XXXX. Additionally, despite the account being charged off, the balance is not reflecting {$0.00}. The payment history from SAFCO shows a significantly lower remaining balance compared to what is reported on the credit report, indicating a clear inconsistency. 
Despite my efforts to dispute this information, the credit bureaus and the creditor have failed to correct it, I have attached a screenshot where at the bottom it shows the reinvestigation comment.
Product: Debt collection

I have been receiving calls from Portfolio Recovery trying to recover a debt to XXXX 's. While I had a XXXX 's credit card, the account was paid in full and closed over a year ago. All information XXXX XXXX provided to me ( my addresses I have lived, date account was opened and used, and the balance owed ) was all wrong. When I told him that was not my account, he then said he could mail me a dispute form. However, he could not tell me my address, which again I reiterated it clearly was not for me. He said he would continue to call until I provided my address. He called from XXXX and provided the callback number of XXXX, which are different numbers than the corporate number posted online at XXXX. This debt is not mine, I do n't even have a XXXX 's account anymore, and I would like for this company to stop calling me.
Product: Credit card or prepaid card

Someone hacked my chime and XXXX XXXX card, chime card for {$300.00} and XXXX XXXX  for {$100.00} on XX/XX/22. The companys said they will try to dispute it but cant find the transactions but I have them in email. Also I cant access my chime or XXXX XXXX  card anymore. I have emailed both companies the charges.
Product: Money transfer, virtual currency, or money service

I recently reported to Chase Bank that I was scammed regarding two transfers. First of all, chase 's online claim customer service is very difficult to contact. I spoke to 3 or 4 customer representative to file one of my claim, but the wire transfer one took more than a week to get respond for just file a claim .Every time the reply from the chase is forwarded to another department but not the correct department for me to deal with. Every customer service is very irresponsible and says that they can't follow up. Second, the last one just said that the other party 's bank refused to return the funds and just perfunct me. This is a big scam Regarding XXXX  has huge loopholes and easier and accept fake platform transfer money. I transferred two times of money to XXXX. Without permission, The theft hack to the account and transferred the money to the fake platform called ava trade. XXXX XXXX XXXX XXXXXXXX I feel that Chase Bank treated my experience very unfairly and irresponsibly.
Product: Credit reporting or other personal consumer reports

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate : 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 reporting, credit repair services, or other personal consumer reports

I submitted a dispute request on XX/XX/20 to Experian to which I did not receive a response addressing my concerns. I followed up with a second dispute request on XX/XX/20 and still have yet to receive a response. This has been an going issue for the past year. Why are they not being held accountable?
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute letters regarding the inaccurate and invalid negative items currently being reported on my credit file. It is unacceptable that these erroneous entries have not been removed despite my repeated requests and provision of supporting documentation.
Product: Checking or savings account

On XX/XX/XXXX I was made aware that my identity had been stolen and that the XXXX ARKANSAS payments had been being paid out to a debit card in my name since XX/XX/XXXX. I filed a police report put a fraud alert on my credit contacted the attorney generals office and contacted the US Bank Reliacard. The bank filed a dispute for the transactions that had taken place. I was asked to verify my identity. I submitted documents to verify my identity on XX/XX/XXXX. I reached out to the bank several times to no avail. I recieved a transaction dispute form in the mail on XX/XX/XXXX. I submitted the completed form along with a copy of the police report via fax on XX/XX/XXXX. I called The US bank on XX/XX/XXXX and was advised the investigation had concluded no fraud had taken place and my identity was still not verified. I disputed the decision which was made in less than 24 hours from the time i submitted documents and was told no credit would be recieved on my behalf. I have done everything asked of me to fight the identity theft and the bank carelessly made the decision without investigation. I have been told something different every time i have called and have not recieved any kind of help. The bank neglects to contact me within the time i am told they will. Nothing has been done in a timely manner. No form of help is being offered when i have complied with everything that has been asked of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX SELFREPORTED XXXX Balance : {$280.00} ; XXXX SELFREPORTED XXXX Balance : {$220.00} ; XXXX SELFREPORTED XXXX Balance : {$190.00} ; XXXX SELFREPORTED XXXX Balance : {$21.00} 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
Product: Mortgage

On or about XX/XX/2013 I took out a XXXXmortgage from XX/XX/XXXX who sold to First Guarantee Mortgage Corp. I was told I needed to hire an inspector from their list of approved inspectors. I hired the inspector that prepared the list of all the work needed. I hired the contractor to do the work. The contractor swindled me and the lender payed out over {$30000.00}. for material paid by me prior to hiring the contractor. For work never completed and work not done in accordance to the written work order. I sued the lender for damages and the matter was dismissed with prejudice by a judge of the superior court in XXXX XXXX. I was broke, about to loose the house in foreclosure because I did not want to pay the bank until they addressed what had just happened. I couldn't afford to hire a lawyer and no one would take my case on contingency. I did not know how to properly present all the evidence to the court and the judge told me I was wasting everybody 's time and told me he was not going to allow that. But I still had evidence that the bank did not ensure that I was protected and that all the laws were followed before they disbursed all the money I borrowed which the lender held in escrow, violating the fiduciary relationship. HUD put a {$60000.00}. lien on my house and I can't even refinance to get a better interest rate without paying the lien. So years later I am still under the huge burden imposed on me by a fraudulent lender. I had to pay for all the work to fix the house, pay the mortgage, pay back the money I borrowed to fix the home and pay the lien, while the lender literally gave away all the money I borrowed to a crook. I need help! The lender can't just get away with what they did just because I didn't know how to file my evidence in court.