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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Incorrect Charge-Off Reporting Account Number : XXXX Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( e ) ( b ), which requires credit reporting agencies to investigate disputes and correct any errors in a timely manner. 

The item in question is a charge-off that has been incorrectly reported on my credit report by [ Creditors Name ]. Not only is this information inaccurate, but the creditor has also filed a 1099-C form to report the cancellation of debt. The filing of the 1099-C signifies that the debt has been forgiven or discharged, which contradicts the ongoing monthly reporting of a charge-off.

Under 15 U.S.C. 1681 ( e ) ( b ), you are required to conduct a reasonable investigation of any disputed information and correct any errors. In this case, the continued reporting of a charge-off by [ Creditors Name ] is incorrect since the debt has already been forgiven as evidenced by the 1099-C form filed. This misreporting is unlawful and results in the continued negative impact on my credit report.

Please investigate this matter immediately and update my credit report to reflect the accurate status of this account, in line with the 1099-C form and the cancellation of debt. If the creditor is unable to provide evidence to. XXXX XXXX XXXX XXXX : {$18000.00} Account Number : XXXX Description of Discrepancy : The account listed under XXXX XXXX XXXX continues to be reported as charged off every month. However, this account was closed on XX/XX/XXXX, and there should be no further reporting of a charged off status. A charged-off account is meant to reflect a past due debt that was written off, but once the account is closed and no further activity is reported, it should no longer be marked as charged off. This ongoing reporting is incorrect and violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and up-to-date.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX 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.

TRANSUNION 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: Debt collection

I learned that my information was sent to a collection agency from XXXXXXXX   while I was out on military leave. 
I have been trying to get a hold of " The Bureaus Inc '' to request them to send me verifiable information to prove that this account belongs to me. I have called XXXX/XXXX  and they told me that the account was sent to two different agencies : " XXXX XXXX '' & " The Bureaus '' they have different phone numbers. These two collection companies are constantly harassing my family members and friends. I need to have these collection companies to answer my request as soon as possible
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my report regularly, and this time, I noticed unexpected discrepancies. Hoping it was just a glitch, I refreshed my browser, but the issue remained. This situation is extremely frustrating, and I need the documents Ive submitted to be thoroughly reviewed so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX Opened XX/XX/2016 {$570.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$570.00} Highest Balance {$570.00} Opened XX/XX/2016 ( 1 yr, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX
Product: Debt collection

LVNV FUNDING is claiming that I owe them {$960.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

I asked for verification of how they verified the information on my report and they sent a letter stating that it was verified through the court along with the court address. I received a letter from the court stating that they do not verify any information to any credit agencies. I also have a letter from XXXX stating that it was removed from my XXXX report because they were unable to verify the information. 

In addition, the letter from XXXX also states that I can submit any new information online. However, when trying to stated that I needed to call, and when I called, they said I had to write a letter or wait for 14 to submit it online. The problem is that by that timeframe is that the investigation will be fully closed. I am attaching all verification. 

I contacted the Court of Record you listed on my credit file, and they confirmed that they neither provide or verify court records to any credit agencies or to any other third party. ( See attached ) I then contacted XXXX and informed them of their errors in the reporting and they responded with a letter deleting and all Public Record notations stating that it was deleted with an updated report. ( See attached ) I request that they each delete the alleged Public Record and provide me with an updated copy of my consumer file.

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information, investigated the data and reinvestigated it due to my current dispute. The information they provided is inaccurate and I did not receive a description of the procedure that was used to verifiy the information. 

Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that is included in the credit reports concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Product: Credit card

The terms for use of the credit card are such that if a credit card holder spends over {$15000.00} on the Chase Credit card in a year, the holder receives XXXX free night at a XXXX XXXX level hotel ( XXXX is the branding on the credit card ). 

During early XX/XX/XXXX I looked on the Chase website and it noted I had reached the {$15000.00} of spending for XXXX. I called the Chase XXXX phone number ( XXXX ) to verify this fact on XX/XX/XXXX at XXXX ET. I was told by the representative at that time I had reached the noted amount in spending. I called the same number on XX/XX/XXXX at XXXX ET and asked the representative when I would be credited with the free night and was told it would be by the end of XX/XX/XXXX. 

While on a business trip in mid XXXX outside the US I inquired about the status of the credited night and after being placed on an extensive hold I determined it was best to wait until my return to the US to address it. On XX/XX/XXXX after not receiving the free night credited by XXXX, I followed up once again. I was connected with a Chase representative who gave me a case # XXXX and was told that this case was intended to resolve my issue. I was told the date of the case was XX/XX/XXXX and that as part of the case Chase determined there was a 'system ' issue that caused the problem, but Chase had directed XXXX to credit the free night to me. I was told by XXXX that the issue would be resolved in XXXX to XXXX hours. 

I then called back on XX/XX/XXXX after the noted time had elapsed and had XXXX consecutive calls with XXXX and Chase ( at XXXX time being unknowingly passed between the XXXX ) lasting about an hour starting at XXXX ET to try to finally resolve the issue. I was given yet another case number of XXXX and was then told an investigation of the issue would take XXXX to XXXX business days. 

I doubt this will be satisfactorily addressed as initially there was complete agreement that I met the criteria for the spending, but in the most recent calls I have been involved in a circular and unending series of phone calls between XXXX and Chase. I don't have any hope that I will be properly credited with my night for which I met the spending requirements without your assistance.
Product: Credit card

We had a collection account for a credit card with Bank of America through XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency. XXXX offered us a {$4600.00} settlement of the debt approved by Bank of America of an original balance of {$6200.00}. We accepted the settlement with the agreement that the debt would show paid in full on our credit reports and no further obligation. We received a letter in writing from XXXX stating that the account will be considered settled and we will not be obligated to pay the remaining balance. Our credit reports were updated ; however, the balance now shows {$1600.00} instead of XXXX as agreed upon. My husband contacted XXXX yesterday, XXXX/XXXX/2016 to inquire about this. They advised that we would have to contact Bank of America. My husband then called Bank of America and inquired explaining the agreement that we have in writing. They informed him that the balance will remain unless we pay it for XXXX to 10 years on our credit reports. He explained the letter we have in writing that says it is settled with no further obligation. They continued to state that the balance would remain. My husband called back a 2nd time to speak with someone else and received the same answer. Based on this response it appears that we were misled and lied to by both XXXX & Bank of America per the agreement.
Product: Checking or savings account

I have a XXXX Business Checking, Personal Checking, and Personal Savings accounts linked online. Last month I noticed all balances were zeroed and nearly {$13000.00} had been taken from all accounts, including business and both personal accounts, with the transactions being simply listed as XXXX. I contacted TD and asked what this was about and could I please get any paperwork or information regarding this XXXX for my lawyer and was informed there was no information included with the XXXX, and was told it came through with no information on who what when where or why, just instructions to levy the account, there is no documentation we can provide. My lawyer has made calls everywhere and nobody bows anything about any XXXX, and I have not received any calls, emails, letters, or any other notices from anyone about the levy whatsoever. Also, since the XXXX, I have deposited around {$1100.00} into the personal account, and the balance is there and the account is active but Im unable to pay any bills from it, use my card or even transfer money between accounts. How am I supposed to survive or pay my bills? This is unconscionable, please help.
Product: Debt collection

On XX/XX/XXXX I received an email from USI Solutions , Inc demanding payment for a loan. After them that this was paid off, I received two emails dated XX/XX/XXXX from USI Solutions stating that the account was closed. On XX/XX/XXXX I received a phone call from a collection agency and because I wasn't sure if they were inquiring about the sane account, I called USI who proceeded to tell me that the file wasn't closed and that they were going to reopen it. I asked them to give me 24 hours to get home and research my records and that I would call them the next day. On XX/XX/XXXX I called USI back and agreed to a settlement of {$500.00} post dated to XX/XX/XXXX which would allow me more time to prove this was paid. 
I called USI today, XX/XX/XXXX at XXXX CT to let them know not to process that {$500.00} payment which was due on XX/XX/XXXX and I wanted to request A Verification of Debt letter. The operator said that she could not process my request and that she would have an account manager call me back within a few minutes and he/she would discuss the matter with me. I never got a call from USI so at XXXX I called them back and spoke with another operator who congratulated me on making my payment and asked if I was calling to get my paid in full letter. I informed him that the ACH payment arrangement was for this coming Friday XX/XX/XXXX to which he responded that the payment was made today Tuesday XX/XX/XXXX. I then told him that I called earlier to stop the payment and was promised a call back and during that time his company went ahead and processed the payment. He told me that I would have to go to a website to request a refund along with proof of payment ( which I was able to find on old laptop ), to which I asked for either a manager or supervisor which he told me to call back tomorrow and ask for. I then asked for his information and he hung up on me.
Product: Mortgage

SPS, also known as Select Portfolio Servicing, holds my current mortgage, after acquiring it from XXXX XXXX in XX/XX/2023. Since that time, SPS has been frequently calling me from unlisted phone numbers requiring my personal information in order to discuss issues related to my mortgage. All my requests to call from certain listed numbers identifiable as belonging to SPS have been ignored. My multiple emails sent to SPS, including SPS ' Ombudsman office, resulted in a phone call I received from that office on XX/XX/XXXX. During the call I was informed that my request can't be met, than the current SPS phone system is set in such a way that they will continue to use multiple unlisted numbers. As a result, this issue was not be resolved, and no attempts will be made to resolve it, I was told. I was advised that I can file complaint with the CFPB or any other agency, and that is the end of it.
Product: Checking or savings account

On XX/XX/2023, I received several emails from Chime regarding the opening of an account and welcoming me to the Chime Bank system. I have never had a Chime Bank account of any kind. I've also never made any request for one at any point.

The first set of emails stated that I opened the checking account and that a debit card would be mailed to the address on file. The email did not state what the address was or if it was even my address The next set of emails stated that if I make certain deposits I would qualify for one of their promotional credit cards. So far, I have not found any activity showing a new credit card. 

I also received an email stating that I had a new login on the account. The Alert email did not show the device or the location of the device. Additionally, I received another email stating that there was a new phone number added to the account. The phone number was ( XXXX ) XXXX. I've made attempts to call this phone number to see if someone answers. This number goes straight to an automated voicemail. 

As I was busy on XX/XX/XXXX, I was not able to see the emails until XX/XX/2023. So, on XX/XX/XXXX, I call Chime to inform them that I did not open this account. After verifying my identity while on the call, their team decided to close the account. They sent me emails right after verifying that they closed the account. Chime created an internal ticket for this issue ( ticket # XXXX ). 

As I was on the call, I requested a report showing all activity associated with this fraudulent account, how Chime received my information, and any and all activity associated with my name and personal information. I also requested a written letter from Chime with the following statements included : 1 ) The fraudulent account was not mine ; 2 ) I am not liable for the account ; and 3 ) Any activity from any account ( s ) opened under my name will be removed from my credit report. 

They informed me to report this fraudulent activity to the FTC on identitytheft.gov and share the report number in order for me to receive that information. I filed that complaint and sent the report number back to Chime. All Chime stated was that the account was closed due to violations of their policies. 

I responded to them in stating that I was the one who informed them of the fraudulent activity that led to the closure of the that account. I also informed them of their own instructions which I followed, for me to receive the activity report. Chime gave me the same response regarding them closing the account due to violation of their policies. They did not provide me the report. 

I was originally concerned of whether this was just a fraud attempt by a bad actor or a set of bad actors. I've also had had concerns whether this was someone from Chime who created the account to pad internal numbers. I believed both angles need to be investigated, especially with the fact that my email was used. I asked Chime about this and informed them that I would report the Bank if they were uncooperative in providing information as to what transpired or the written statement. They did not respond to my requests.
Product: Mortgage

My loan with RoundPoint Mortgage closed on XXXX/XXXX/2016. At that time I had an escrow balance of over {$5700.00}. My loan # XXXX stated in paragraph XXXX " Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. '' It has been sixty days since closing, I have been told over 4 times that the check for my refund has been mailed. I have been given the run around by multiple RP employees or contractors all to no avail. From what I can find out, this is a common practice of RP Mortgage. Someone needs to investigate them and end this shameless practice. I never missed a payment to them and wonder what they would have done is I had for 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received a letter from USAA Subrogation Department reading that we had an accident with my daughter 's vehicle. My daughter or none of us had any accidents on XX/XX/XXXX. We have tried several times to talk with USAA but have gotten nowhere with them. We called our insurance company XXXX and explained what is going on also. XXXX  have sent 2 letters stating that they have the wrong vin number. We have tried to call USAA but they do not have a phone number to talk to them. We have also sent letters letting them know they have the wrong vin number and they still are moving forward with the claim. We have received a letter stating that we owe {$7500.00} for damages that we never did. They are stating that if we don't pay this it will go on my Credit Report as a default and it will hurt my credit. Please help us with this problem as we have not had an accident nor are we going to pay this bill. They are using bully tactics and we are very nervous about this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A FTC IDENTITY THEFT REPORT AND I SENT IT TO EXPERIAN, XXXX, AND XXXX ALONG WITH ALL THE DOCUMENTATION NEEDED TO SUPPORT MY CLAIM AND THEY REFUSE TO BLOCK/DELETE THE ACCOUNT DISPUTED DUE TO FRAUD. 

15 USC 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT : ( a ) BLOCK 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, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECIEPT BY SUCH AGENCY 1. appropriate proof of the identity of the consumer 2. a copy of an identity theft report 3.the identification of such information by the consumer ; and 4. a statement by the consumer that the information is not information relating to any transaction by the consumer I HAVE MET ALL 4 OF THESE ITEMS ABOVE AND THE ACCOUNT IN QUESTION SHOULD BE BLOCKED/DELETED IMMEDIATELY!
Product: Vehicle loan or lease

I am the victim of identity theft. There are accounts that were opened without my knowledge or consent. I became aware of these accounts and filed a police report with the XXXXXXXX XXXX XXXX Department. After further investigation I discovered it was a family member XXXX XXXX who stole my information and used to open fraudulent accounts. I have made all three credit bureaus aware that these are not my accounts and also sent in documents from FTC and police report. All three credit bureaus have ignored my request despite my police report and Ftc report. I have reached out to all three credit bureaus 4 times and no response.