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

When handling my bankruptcy dispute, Experian used flawed intake procedures and failed to accurately communicate all relevant details about disputes to the original furnisher which doesn't furnish credit reporting information. Experian consistently accepted no response from the court as a response to these disputes without proper scrutiny, even when there was no response. That means their investigation was improbable, illogical, and contradicting because they had no reference to information reported on my consumer report. Another words Experian 's furnishing techniques are unreliable. At the conclusion of the dispute investigation, Experian sent notices that did not adequately inform consumers of the investigation 's results. Instead, the notices contained information that was confusing, ambiguous, inaccurate, or inconsistent, leaving consumers without a clear understanding of the outcome.
Product: Debt collection

I have no debt owed to WAKEFIELD & ASSOCIATES nor signed any contract giving them authorization to report on my credit reports. Remove from all bureaus immediately.
Product: Student loan

This issue is in regards of my Navient account : # XXXX After checking and trying to balance my Student loan payment, The payments reported made to the capital do not match the total amount of the loan. 

As of XX/XX/2016 I consolidated the loan with the XXXX program available. However, the payment made to the capital was for : XXXX. 
If you add up the payments gone to the capital for every month since the re-payment of the loan, It Equals to {$3500.00}. 

The total amount of loans received is : {$18000.00} If you deduct {$3500.00} from the capital of {$18000.00}, the amount of the capital of the month by XX/XX/2016 should be : {$14000.00} All my federal student loans were subsidized and should not have accrued interest while I was in school, or in my 6 month grace period. 

I have paid since to date ( XX/XX/2016 ) interest of {$3800.00} + Capital of {$3500.00} ( = {$7400.00} ) yet my loan had only gone down {$1100.00}. 

I 'd like the CFPB to investigate Navient and my subsidize loans and audit my account to be re-adjusted with the capital I paid and the Interest I over paid.
Product: Mortgage

We continue to get charged PMI on a monthly basis. We have called multiple times and paid additional dollars toward principle without any success. We even paid for an appraisal which was a waste of money as the lady spent 5 minutes at our home The latest request we owed XXXX on our mortgage and our original house purchase was XXXX. At this moment we requested the removal for pmi for the third time. We escalated and never heard back. In the meantime I paid another XXXX to reduce our balance to XXXX well below the 78 % automatic removal. Again in XXXX we were charged. They make this process difficult, tedious with lots of hoops. I feel like they have now wrk fully charged us over 800 dollars and we spent multiple Hours on the phone with TMS
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised this is the second request asking to removed unverified accounts that remain on my credit report in violation of 15 U.C.C 1681.  In the results of your the first re-investigation it was stated that it was " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts??? Not something that was " Electronically '' submitted to you. DOCUMENTS. Also what is the name of the person IN YOUR COMPANY who verified these accounts??? What this means is someone in this company must be willing to be able to produce in your files that proves the account ( s ) in dispute belong to me and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ) under oath and under the penalty of perjury.
Product: Credit reporting or other personal consumer reports

I was in debt with XXXX years ago in the amount of {$1700.00}. the credit bureau shows amount of {$1900.00} that XXXX them self is not familiar with, but still keeps it on my report we had made a settlement with about remaining balance of being XXXX over a year ago and have a letter proving that. This had been disputed in a year span and no change in my XXXX XXXX and XXXX has no information of the balance it being {$1900.00} But still keeps it on my report the account that is being disputed about {$1900.00} doesnt have any last XXXX digits of the account number which should be XXXX.
Product: Credit card

I was at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and was checking out to purchase XXXX pairs of shorts and XXXX shirt. The items were not priced correctly and the amount was incorrect. The sales associate told me input my phone number on the screen. She said, " For you, I can give you 35 % off, just put your phone number and complete the questions on the screen. '' She continued to distract me by speaking about the economy and free gas. Once I completed the information on the screen ( which did include my personal information and social security ), I thought I was getting the discount. However she handed me a receipt and said " Look the shorts were free ''. She never mentioned to me that I was apply for credit, nor did she indicate that this was an application of any kind. All she mentioned was that it was " free. '' She also said that I had {$800.00} to spend all day and it's " free. '' I didn't realize that I had since applied for a credit card for XXXX XXXX This is unfair and deceptive practice.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

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/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with these accounts? 










XXXX XXXX XXXX XXXX  ( Revolving ) Accounts - Summary Equifax XXXX XXXX Last Updated XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1900.00} {$1900.00} {$1900.00} Credit Limit {$1000.00} {$1000.00} {$1000.00} Credit Utilization 180 % 180 % 180 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/XXXX-XX/XX/XXXX, XXXX erroneously charged me an overage of $ XXXX for electrical power due to their miscalculation. This was not the first time XXXX had miscalculated an error. But in the past I 'd paid it and moved on. This time I refused, so I filed a claim in Small Claims court since I could get nowhere with their internal customer service department. This overage has been discharged, and I 'm no longer their customer. However Penn Credit ( penncredit.com ) has gotten hold of this invalid claim and refuse to let it go. I 've tried emailing and postal mailing them to alert them they are attempting to collected an invalid debt, but my notices have been ignored. Instead they continue to send me threatening letters and they must be stopped. I will not have my credit ruined over something that was XXXX 's mistake in the first place. My " debtor ID '' with them is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, banking systems are to insure accuracy and fairness of credit reporting. The report of 30 days delinquent on XXXX of XXXX  by Capital One is erroneous. 

Furthermore... 

15 USC 1666B : 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.

No mail was delivered to consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was robbed of my purse and the person took my purse with all my ID and personal information. Now I have unauthorized fraud inquires on my credit report. Some were deleted but Transunion did not delete them all
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX You are in direct violation of the Fair Credit reporting Act 15 U.S. Code 1662b - Advertising of downpayments and installments. 
( B ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX : {$32000.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE 6inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

extending the statue of limitations According to the federal credit reporting act everything on my consumer report has to be 100 % accurate. I am informing Transunion you are reporting incorrect information on my consumer report. Related to ( XXXX, XXXX ) FCRA states I am entitled to a 100 % report if not it should be deleted. It is reporting an incorect late payment for XX/XX/year>. Not only is it paid as agreed. Furthermore, its extending THE STATUE OF LIMITATIONS. Posting a XXXX day late payment without a XXXX prior. Please delete late payment and update as paid as agreed. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has placed a 30 DAte late on my credit report on XX/XX/XXXX on a account that was closed/sold in XX/XX/XXXX. I have been disputing this for approximately 3 months with no results only extension on behlf of Wells Fargo. I have now spoken to 10 representtative of Wells Fargo and nothing has been resolved. I have also place a complaint on thier Social Media page which caused some communication with an unknow n Representatvie of Wells Fargo and still nothing has been done. 

My Lender is unable to approve me for a Loan because of the nagtive 30 day reporting in XXXX on a XXXX Closed Account. I have also missed out on 2 homes that my family and I loved dearly wchih would of been our forever home. I have spoken to 10 Reps., 2 of which i did not get their names.
Product: Credit card

I placed an order on my macys card in XX/XX/year>. The products were never delivered but I was charged. I have contacted macys and Citibank to resolve this and the charge is still on my account for 8 months now collecting interest. Each time I contact someone they say this will solve my problem and contact me. I have never been contacted and my account is not fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A 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

On XX/XX/2023 American Credit Acceptance reported a hard inquiry with all XXXX credit bureaus. XXXX, XXXX and XXXX without my consent. I advised them to provide me an agreement between I and them to run my credit and they fail to provide that. I need this inquiry removed from all XXXX credit bureaus.
Product: Debt collection

I sent a debt validation letter certified mail so I can validate the debt they never responded so now Im filing a cfpb complaint! this debt collection agency is stopping me from exercising my rights as a consumer and in the letter I asked for them to send me the documents I asked for or pay all scheduled fees and to remove the alleged debt from from my consumer report. Statements and contracts ARE NOT A VALIDATION!!
Product: Checking or savings account

I opened an online Checking Account with Chime in XXXX, 2019 and in XXXX, 2019 I opened a XXXX XXXX Account. Every month I was missing money from my accounts. Every month I couldn't get my account balanced. In my bank online Bank XXXX, the Account Summary never was filled in completely and it never even balanced with my Account Transaction Histories. I had to use my receipts to check my Account XXXX Histories, which were correct, but the Account Summaries never were, and that's the information the computer gave as my balances in my accounts! 

Every month I reported this to Chime. 
Every month Chime 's customer service told me in emails and on the phone that they would look into it. Everytime I would followup on my complaints, I always got another person and I would have to explain all of it again, and again ... Every month I complained about that, too. Everybody was always going to " ... look into it ''. Then, after I opened my XXXX XXXX Account, I started missing money from it, too! I thought by opening that account I could just stash more of my money in that account instead of leaving it in my Checking Account, where I was missing money all the time. However, the same thing happened in my XXXX XXXX Account, too, and I was missing money and I couldn't get that account balanced either for the same reasons. Every month the problems escalated. Then, Chime locked my account and I didn't have access to my money and direct deposits were being sent back to the depositors, etc., creating even more problems for me when I had bills to pay, too. I was told my complaints were escalated and that the customer representatives escalated my complaints XXXX sent them to their XXXX XXXX in California. I never git contacted by anyone from California! I asked Chime to close my account. 

They finally did but it's been 8 months now and I still haven't been compensated for my missing money, which their employees computed to be {$12000.00} through when my account ended, nor did Chime send me my money from both of my accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The following account is being incorrectly reported by two different companies on my credit report, despite the fact that I received a 1099-C cancellation of debt for this account from the company XXXX. The details are as follows : Creditor Name ( as listed on TransUnion ) : [ XXXX ] Creditor Name ( Equifax ) : [ XXXX ] Account Number : [ XXXX, XXXX ] According to IRS regulations ( IRS Publication 4681 ), when a 1099-C is issued, the creditor has officially canceled the debt, meaning it is no longer legally owed. Therefore, this account should not continue to be reported as an outstanding delinquency by any entity. Additionally, the fact that two different companies are reporting the same debt suggests a potential violation of the FCRAs accuracy requirements ( 15 U.S.C. 1681e ( b ) ).

I request that this inaccurate and duplicate reporting be immediately investigated and removed from my credit file. As required by the FCRA, you must complete your investigation within 30 days and notify me of your findings. Please send me written confirmation once this account has been deleted from my credit report. 

Enclosed, I have included a copy of my credit report highlighting the disputed entries, a copy of the 1099-C for verification, and a copy of my ID for identification purposes.