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

XXXX  removed 3 accounts from my credit report, I would also like for XXXX  to do the same since the accounts were proven not to be mine. XXXX  did an investigation and the result came back with a removal of the accounts. 

The three accounts are : XXXX INCLUDED IN CHAPTER XXXX BANKRUPTCY. 

XXXX XXXX XXXX INCLUDED IN CHAPTER XXXX BANKRUPTCY XXXX INCLUDED IN CHAPTER XXXX BANKRUPTCY All three of these accounts were removed by XXXX  from my credit report. Please investigate and remove the accounts.
Product: Credit reporting or other personal consumer reports

In accordance with 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  has 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 a 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 to any 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

XXXX XXXX A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A BANKRUPTCY XXXX  XXXX TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. XXXX REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX XXXX BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO XXXX UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX / XXXX XXXXXXXX XXXX DATE OF DISCHARGE WAS XX/XX/2017 / BANKRUPTCY FILE # XXXX XXXX HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON TRANSUNION/ XXXX XXXX. 

THE XXXX XXXXXXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS TRANSUNION/ XXXX XXXX AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH XXXX. 

XXXX REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE XXXX XXXX XXXX OF XXXX XXXX THE XXXX XXXXXXXX TRUSTEE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Care Credit account through XXXX XXXX. I made a Special Arrangement to Close my account, and pay {$10.00} a month. The agreement was : it will not affect my credit report, no fees/interest. I called them because when I pay {$10.00} a month, they are asking for {$40.00}. I now have a past due amount of {$30.00}. My credit report shows late payments. This is not what I agreed to! I was promised, " do not worry '' it will not affect your credit, we will close your account, and you just pay {$10.00} a month ''. So every time I call in a payment now, they are badgering me for {$40.00} payments and say they don't see anything regarding not reporting to credit agency. All their calls are recorded! Please please help me with this, as it's affecting my credit. I was scammed. Initial arrangement was made with a man. I have called and talked with them about this, but argue. The payment plan is on file, and All their calls are recorded. Please please help me with this! This is affecting my credit and upsetting so badly. Thank You
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy of an account reported on my credit file. The account in question is listed under the name XXXX XXXX with the following discrepancies : XXXX. Inconsistent Reporting : This account is only reported under XXXX but does not appear on my TransUnion or XXXX reports. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which requires accuracy and completeness in reporting.

2. Inaccurate Charge-Off Information : The account balance is listed as {$0.00}, yet the account is still marked as a charge-off. This contradiction suggests outdated or inaccurate information.

3. Reporting Errors in Payment History : The payment history reflects delinquencies ( 30 and 60 days late ) in 2020 without clear supporting evidence or proper updates.

FCRA Violations The reporting of this account violates the following sections of the FCRA : 1. Section 605 ( 15 U.S.C. 1681c ) : Inaccurate or Obsolete Information Credit reports must accurately reflect account information. Reporting inconsistencies ( such as an account being reported only to one bureau and not others, or inaccurate charge-off details ) may violate this section.

2. Section 607 ( 15 U.S.C. 1681e ) : Accuracy of Credit Reporting Credit bureaus must ensure maximum possible accuracy of information in consumer reports. If the account is reported inaccurately to XXXX and not at all to TransUnion or XXXX, this violates the requirement of consistent and accurate reporting.

3. Section 611 ( 15 U.S.C. 1681i ) : Right to Dispute Inaccurate Information If disputed, credit bureaus are required to investigate and correct or delete any inaccuracies within 30 days. Failure to do so violates this section.

4. Section 623 ( 15 U.S.C. 1681s-2 ) : Furnisher Responsibilities Creditors or furnishers of information must provide accurate and complete information to the credit bureaus. If this account has been reported inconsistently or inaccurately, the creditor has failed its responsibilities under this section.
Product: Vehicle loan or lease

I share my experiences with Veros Credit. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX phone ( XXXX ) I have had dealings with them since XX/XX/XXXX. I sent them a check on a closed account which is used for set off and adjustments. They refused the instrument. I resent the check with the same result. 
I sent them an Affidavit of Truth on XX/XX/XXXX. That did not yield any positive results, so I resubmitted on XX/XX/XXXX by certified Mail # XXXX XXXX XXXX XXXX XXXX a Notorized Notice to Cease and Desist, an Affidavit of Truth, and a Certificate of Service all of which are copied originals in my possession. 

None of this has been acknowledged by Veros Credit. My last communication from them has been a cartoonish Verification of Debt, which I did not ask for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX instructed me to make payment through their website on multiple occasions and then hit me for a 30 day late payment when it was not. On XX/XX/XXXX I called XXXX and they advised me they were unable to answer any questions or figure out why I was paying strange payments. I paid XXXX on XX/XX/XXXX and then XXXX on XX/XX/XXXX. My actual payment is XXXX after 6 % tax on the lease. 

In XX/XX/XXXX a customer service rep said she couldn't take my payment over the phone and to pay on the XXXX XXXX  website. I paid it and then I was hit with a 30 day late because they didn't post it for 12 days or pull it from my account. 

This month payment they said is 30 days late too from the XX/XX/XXXX payment date. I called in to change my payment to the XXXX of the month back in XX/XX/XXXX so it fit in with my bonus payment and I can pay the lease payment easier that way. I paid XXXX, on XX/XX/XXXX after I got calls from XXXX saying I was late, then I paid XXXX, XX/XX/XXXX and called XXXX XXXX to find out why the payments were so weird. They were unable to give me a reason or explain as to why it wasn't showing the normal XXXX payment. XXXX allows you to change your payment due date during the lease. I called XXXX financial to help me with this and they set it up and charged me {$30.00} to do it each time. it is clear when they were doing this, it was messing up the payments and the due dates they were using and causing them to hit me with a 30 day late payment. I have " 2 '' late payments with XXXX XXXX and they are not my fault, they are XXXX XXXX error. My lease is done soon and this error will prevent me from leasing thru XXXX and really any other manufacturer leasing company period. I asked them to fix this and all I get is a the run around and a list full of directions on how to dispute their error. Why does a consumer have to do all the work to fix something they simply pushed a button to mess up. I need this fixed asap to prevent me from having to walk to work. I want to go back thru XXXX but this is really unfair and wrong. Please assist me.
Product: Credit card or prepaid card

I opened an account on line and then received a call to call them about the application. When I called them the representative could not find the reference number. After transferring me twice and account representative said they could not determine what the issue was but my card was approved and in the mail. I received the card and immediately actived it online as instructed. I then received a call from there fraud unit saying the account was on hold. I again called and was told the account had been activated and I was good to go. I attempted to then use the card at  XXXX  and the transaction was declined. I used online chat to check the status and the agent said the card was on hold for frau d. Citi continue s to tell me the card is good and then declines my usage. I am going to cancel the card because it appea rs Citi is trying to  run a  XXXX  FICO score. I am a good paying consumer and it is clear  Citi has no regard for it 's consumers. This is poor treatment and it is clear Citi processes are  designed to force consumers to call them to cross sell products and waste your time. I have other  XXXX  accounts so they already know me as a customer. I want others to know they should avoid using Citi!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days and letters were sent out on this date XX/XX/22
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I request that the accounts and inquiries listed below be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were created without my authorization, and I request their immediate removal from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received calls from them. Some times, I have received calls 47 times in less than a minute. I think this is excessive spamming and robocalling. I wrote to them in XXXX disputing the information and they stopped for a few weeks. Then at end of XXXX, they started again. Even my attorney requested them to stop. Attached is letter that my attorney sent to them. But they have refused to stop calling. Their robocalling is excessive.
Product: Credit card or prepaid card

Good morning. 
I made a minimum payment due on my credit card account last month as I was not going to have enough money in my Bank checking account on the XXXX due date. I checked ( screenshot from Citi attached ) after making my payment, and " Citi Told me '' no Payment was due any further after the payment. 

Issue : Yet, on my due date, Citi still withdrew using XXXX. I ended up paying Double of what I wanted to and Double of what I needed to. 

Unfair and deceptive acceleration of paydown of my 0 % XXXX balances despite clear disclosure : I have a 0 % XXXX XXXX which Citi paid off deliberately faster taking away that benefit and also putting me in jeopardy of getting a returned check on my Checking account. All this, AFTER Citi informed me in plain XXXX that my XXXX XXXX after the payment was {$0.00} ... Why? - Please refer attached screenshot. I would only use XXXX to " Pay what was DISCLOSED to me on my Statement and nothing more ''. Why should I prepay what is not due. Especially when my balances are all at 0 % APR?? 

If I didn't have money in Checking account, would I be assessed a returned check fee by Citi, is that also why XXXX withdrew more money than was due? Bad revenue stream. 

Deceptive disclosures elsewhere : There are other places Citi uses words like they 'may ' do this or this 'may ' work or not. Such disclosures are very deceptive. As a Bank, " don't you know ''? And should a customer not know, or is it a guessing game? As a customer I should be " empowered by my Bank '' to be financially responsible and " certain about the outcome of my financial decisions '', not be guessing. the only reason someone uses terms like 'may ' are if they are a lawyer or " if they just don't know ''. 
So please it would be helpful if you changed some of that language. Regardless, the attached screenshot indicates that I owed Nothing and yet XXXX withdrew- so that was misrepresentation by Citi. 

Continued issues : I am astounded by what Citi is doing. Last month, I was charged interest even though I was paid in Full and all my balances/transactions in the last XXXX cycles were at 0 % XXXX. Just Disputing a charge which also got resolved moved my balances to standard XXXX bucket, and gets me to assess interest? Unethical. 

A lot of things so seem to be running with band-aids. Please don't wait for them to rip off.
Product: Debt collection

I am writing to dispute the debt you are attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq., specifically 15 U.S.C. 1681-S 2 ( 7 ) ( a ), I have the right to dispute the validity of this debt. Here are the specific reasons for my dispute : Validation of Debt : Pursuant to 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ), I request that you provide a written validation of this debt, including the amount of the debt, the name of the original creditor, the dates of service for the debt, and my signature on the contract of this debt. I also request information on how I can dispute the debt electronically, as allowed by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I request that you cease all communication with me regarding this debt collection effort. This is in accordance with 12 CFR 1006.34 ( d ) of the FDCPA. Please note that I will not acknowledge this debt as valid until I have received the requested information. I expect a response to this letter within five ( 5 ) days of the date it is received. Please be sure to include your validation information and any procedures for disputing the debt electronically. Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have2 resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is a mess. I had a non-profit agency pay for my mortgage for the month of XXXX. When I had set up my payment to pay the month of XXXX on XX/XX/2024, at the time that I had submitted the transaction I did not notice that I submitted it to take it from my savings rather than my checking account, which in turn resulted as insufficient funds. I then corrected the payment to be drawn from the correct account on XX/XX/24, and the funds in the amount of {$2900.00} were successfully withdrawn and cleared from my account on XX/XX/24. Two weeks later I got a call from my mortgage lender saying they did not receive the payment. After speaking with multiple people, I was advised to send a copy of my bank statement to the mortgage lenders email. I did. A week later I had not heard from them so I called in again, only to find out that the document I sent it will not suffice and I needed to send in a different one. I then went and downloaded my entire XXXX bank statement, highlighted the transaction, and re-sent the email. I received an email once again stating that my bank statement will not show enough proof of the transaction. I called my bank asking for any other documentation that shows that the transaction cleared, but was told that that is all that they could provide. The bank also offered to speak to the mortgage company via three way call to verify the transaction, but the mortgage lender declined. I desperately need help with this situation. I am a widow, single mom of XXXX, and take care of my XXXX brother, I can not afford to have to make an extra payment.
Product: Debt collection

I sold a scooter to a girl. I sent dmv bill of sale. I guess it got towed 2 years later and so conrad credit puts on my credit report that I owe a tow company that I never heard of. This is in XXXX. I contact them and respond by asking for proof I owe the debt which they never sent and refuse to accommodate me despite burden of proof being on them. I conacted them back then and they removed debt from bureaus. I check my XXXX recently in XXXX and the debt is still reporting. So I disputed it again, then called them and they are refusing to remove it. I have attached proof I sold the vehicle. And want them to stop reporting I owe a debt.
Product: Mortgage

On XX/XX/2024 there was a catastrophic flood event. I lost my home, car, and all of my belongings. It is a FEMA declared disaster. My flood insurer awarded me {$190000.00} to rebuild my home. My flood insurer was required to send the money to my mortgage company Mr. Cooper. Mr. Coooper is withholding my money, so I'm stuck paying out of pocket. They have an overseas call center which has standard talking points that do not assist, an archaic online system which does not work and will not accept necessary documents to be uploaded, they do not allow email correspondence, and a myriad of other inefficiencies which intentionally and systematically cause prolonged delay and severe hardship to obtain my flood insurance proceeds. The flood was three months ago but to date they have only provided 33 % of my insurance proceeds even though I'm getting ready to move back into my home in the coming weeks. Mr. Cooper 's inaction and intentional delay is an egregious abuse of authority and control.
Product: Debt collection

I never not received a judgement demand letter from this company. I never received any communication from this company about the outstanding debt.The first communication was sent as a form of garnishment to my employer. My employer notified me. After I spoke with the representative from Quick Click Loans, I was told I did not have to be notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I applied with XXXX XXXX and ordered a product. Upon receiving the merchandise the product were defective and I returned the product. In XX/XX/2020. XX/XX/2020 I received a call from from XXXX XXXX says that I owe their company {$47.00} for the shipping and return of the product. I explained to the rep that the product defective and I returned it and didn't agree with the charges and that's when I were told that I would be given a credit of {$47.00} the amount owed and didn't have a balance. In a rebuttal of me asking for the credit they company added another credit inquiry one my report on XX/XX/2020 in my XXXX credit report I called XXXX that showed on my XXXX account for XX/XX/2020 and were told they pulled my credit for XXXX XXXX and I need to call the credit bureau to have the account removed from my credit. I called XXXX and were told they couldn't remove the inquiry with it shows 2 times in on month just call the company and they can electrically removed and that they would make adjustments. I called XXXX XXXX and were told by the account manger by the name of XXXX XXXX she said she didn't see that my credit inquiry twice nothing she could do after being placed on hold for over 50 minutes.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX  : Account number : XXXX, Inaccurate. Delete or fix the information on the account detail section. 

XXXX  : Account number : XXXX, Inaccurate. Delete or fix the information on the account detail section. 

XXXX XXXX XXXX  : Account number : XXXX, Inaccurate. Delete or fix the information on the account detail section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks. 

Protected by XXXX. 
Copyright 2023 Client Dispute Manager Software. All rights reserved. This XXXX XXXX XXXX is protected by XXXX
Product: Checking or savings account

I am filing this complaint against Upgrade , Inc., which is unlawfully holding {$1000.00} from me without providing any valid reason. yet they placed a hold on it and refuse to release it or provide a clear explanation.

I have contacted Upgrades customer service multiple times, but they are either ignoring me or giving me vague responses without resolving the issue. Their actions are causing me financial harm, and I believe they are engaging in unfair business practices by holding consumers funds without consent or proper explanation.

I demand that Upgrade : 1. Immediately release the {$1000.00} that they are holding.

2. Provide a written explanation for why they placed this hold in the first place.

3. Cease any further unfair practices that harm consumers.

If this issue is not resolved promptly, I will escalate further legal action, including filing a lawsuit in small claims court. I request that the CFPB, FTC, and XXXX investigate Upgrade for potential fraudulent and deceptive business practices.

Company Name : Upgrade , Inc .

Website : www.upgrade.com XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/2025 XXXX Dispute Resolution Department Subject : Dispute Letter and Notice of Civil Liability under 15 U.S.C. 1681o Dear XXXX, I am writing to formally dispute inaccurate and/or incomplete information on my credit report maintained by your agency, as permitted under the Fair Credit Reporting Act ( FCRA ). I have identified errors on my credit report that appear to be the result of negligence and non-compliance with your obligations under the FCRA. Pursuant to XXXX U.S.C. 1681o, you are required to exercise reasonable care in handling and maintaining accurate consumer information. Your negligence in investigating and verifying the accuracy of the information on my credit report has resulted in harm and financial distress. Such actions constitute a violation of your duty to ensure the accuracy of consumer reports and comply with FCRA standards.