23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I disputed the address with TransUnion on the Public Record because it is not mine and they refuse to comply to my FCRA rights. The address for this case is not mine nor on my file yet they verified it as accurate. That is impossible because the address is n't the same as my addresses. How can they say they verified the address if it is different than any address I have? The rep tried to tell me they spoke with the court directly, which I know is not true. I asked the clerk and she said they are far too busy to be dealing with credit bureaus. She suggested I dispute the address because they wo n't be able to verify it and will have to delete it immediately. Well, I did everything she said and come to find out the XXXX party that trans union used verified this account regardless of the address not being verifiable. Is n't that subject to a fine or something for lying about verifying the address? I am on the verge of small claims court but I figure that 's XXXX way to upset them permanently! All XXXX bureaus are fighting me and I 'm to the point of suing every XXXX of them! Please remind them that when they ca n't verify something they need to delete it. Thank you very much! I attached the petition from the case # for purposes of verifying the address, which is highlighted. This is a case of them lying to prove themselves right yet they continue to violate my rights!
Product: Debt collection

This company is continuously reporting this invalidated debt to my credit report. It does not belong to me. I have never received any written notification ever about this supposed debt. I have never been given a chance to validate this debt because I never receive any notification besides an alert on my credit report. This does not belong to me.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-off Report SYNCB PAYPAL ACCOUNT I am writing to challenge and urgently request the removal of incorrect and unauthorized charge-off entries listed on my credit report by a third-party collection agency. These entries have significantly compromised my financial status, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It is important to note that I have no contractual ties with this collection agency. Their reporting of charge-offs on my account, which I never authorized, lacks any legal basis and violates several laws concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : Charge-offs reported on my credit are without my agreement, constituting a breach of the legal standards governing credit reporting.

2. **Failure to Furnish Form 1099-C** : The agency did not provide the Form 1099-C required for accurate tax reporting, exposing me to potential tax compliance issues.

3. **Privacy Rights Violation** : Reporting my personal financial information without consent is a direct violation of the Privacy Act of XXXX  ( 5 U.S. Code 552a ), which safeguards against such unauthorized disclosures.

4. **Absence of Contractual Relationship** : I have never consented to any agreement with this agency, making their report an infringement on my consumer rights.

5. **Opt-Out Rights** : I am officially opting out of all implicit permissions for the sharing or reporting of my credit information, as supported by regulations 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805. 
Given these concerns, I request a prompt investigation into these inaccuracies and the removal of the disputed entries from my credit report. I expect a written confirmation of these corrections. Please be advised that I am prepared to pursue further actions, including legal remedies, to correct my credit information and defend my rights. 
I appreciate your immediate attention to this critical issue and await your swift response and resolution.
Product: Debt collection

I received multiple calls from Southwest credit. When I called them back less than a month ago, they told me they were collecting for XXXX XXXX. I explained that another company already tried collecting for this debt, but I got it removed because it is a false claim. XXXX claims that I owe them for service and equipment. They continued to charge me for months after I canceled the service therefore, I do not owe for the charges because they are not legitimate. I told them they would need to verify this information because there is no way I am paying a bill that I should not have in the first place. They agreed to do so but instead of verifying and letting me know the results they had it added to my credit file. This needs to be removed ASAP.
Product: Credit card

I received an active credit card in my name mailed to my house. A Chase Amazon card in which I have never did business with XXXX. In my profile my email address was changed. I have been getting a run around when I try to find out why the card was sent in the first place. Who ordered the Card? Who changed my email address? and How did they get past my security question? Here is a Company that just sends a card to your house that your not expecting and if stolen ... This is a Major concern and if they are just sending cards out because it 's rates are more COMPANY friendly than the one I already have. I have called a number of times on the phone for sometime with the security specialist and when I ask for the information about the card they want to transfer me to credit card applications. and every time they transfer you, they want more of your information. I still have n't received and information that I requested regarding this unsolicited credit card.
Product: Debt collection

Subject : Follow-Up on Complaint ID XXXX : Request for Resolution and Evidence Dear Executive Office of the Consumer Financial Protection Bureau ( CFPB ) , I hope this message finds you well. I am writing to follow up on a complaint that I previously filed against Chase, with Complaint ID XXXX, submitted on XX/XX/2024. My case number with Chase is XXXX. 

After filing the initial complaint, I received a response from someone at Chase suggesting that I search for any file against me. Since then, I have diligently attempted to obtain updates on my case by contacting XXXX at XXXX, extension XXXX, as instructed. Despite multiple calls, I have not received any substantial updates or progress reports regarding the investigation of my complaint. 

Today, on XX/XX/2024, I received an email from the Chase executive office requesting that I provide them with a copy of my credit report. I find this request deeply concerning and perplexing, given that my complaint pertains to alleged false reporting by Chase, specifically related to identity theft or similar matters. To be asked to provide my credit report under these circumstances raises serious questions about the handling of my case. 

As a consumer seeking resolution and transparency, I request that Chase provide me with all relevant details, including but not limited to : A detailed record of all actions taken by Chase regarding my case, including dates and outcomes of any investigations.

Any evidence or documentation supporting Chase 's claims against me, particularly related to the allegations of identity theft or similar issues. 
An explanation as to why I am being asked to provide my credit report, considering the nature of my complaint and the impact it has had on my creditworthiness. 
I believe that as a responsible financial institution and in accordance with regulatory standards, Chase should provide me with clear and comprehensive information to address my concerns and rectify any inaccuracies or harm caused to my credit profile. 

I kindly request that the CFPB facilitate communication and resolution between myself and Chase to ensure that my complaint is thoroughly investigated and addressed in a timely manner. I appreciate your attention to this matter and look forward to your prompt response.

Thank you for your assistance. 

Sincerely,
Product: Debt collection

MY identity has been stolen a police report was filed and the information has been mailed to the credit card companies on this report. As of today they remain on my credit report. 

This accounts are not mines are are the product of identity theft.
Product: Credit card

XXXX XXXX, I used my target card. 

There were late fees on the card in XX/XX/XXXX Payment Date : XX/XX/XXXX Posted Amount : {$280.00} the amount due to XXXX out the account. 

I wasn't informed that there was a late fee on the account at the time of payment. 

In early XXXX I started the home-buying process and was told to pay XXXX. I didn't question it I just assumed that my family member used the card, so I paid the below. 
Payment Date : XX/XX/XXXX Posted Amount : {$130.00} Memo : PHONE PAYMENT XXXX VA On XXXX XXXX, XXXX, I was notified by my Lender that I now owed {$170.00} so I immediately called as there had been NO usage on the card as were getting a house. 
At the time the rep neglected to inform me of the history of charges however he said he was waiving XXXX late fees. But Never mentioned what I was paying for. I proceeded to make the payment out of desperation to close on my house. 

When I went online to review the account I noticed the card hadn't been used since XXXX XXXX and all the other fees were late fees being piled up with interest. I was never notified of any late fees or interest on the account.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

I transferred {$2500.00} from my personal wellsfargo account to my joint wellsfargo account ( with my wife ) on XX/XX/2018 so that she can honor a contract on my behalf. The contractor told me i was to pay an upfront payment 24hours of him sending me his insurance details, that was the purpose of the money. My wife went to the wellsfargo branch to try to get the money, wellsfargo deducted the funds from my account only to tell my wife that the power went out and they wouldn't be able to give her the cash, meanwhile my contractor was waiting for my wife.

This is the first time i am dealing with the contractor and my words mean a lot to me. wellsfargo told me i would have to wait till the following day to be able to access my funds, and the branch manager could clearly see it on my wife 's phone that the money had been deducted from or account. Due to wellsfargo NO CARE attitude i lost the confidence, trust and respect from my contractor and i also breached our contract.

Wellsfargo made no attempt to try to resolve the issue immediately.

I applied for a loan the day before, wellsfargo wold grant my request and now they are holding my funds hostage and making me look incompetent and untrustworthy.

I am supposed to receive a shipment tomorrow at the site where the contractors are working on, but because of wellsfargo, there will be nobody on site to receive the package, the shipping company called my today they they will be delivering the product tomorrow, now the product might have to be sent back because the contractors wont be on site, all because of wellsfargo. This is not fair. Wellsfargo as caused me so much pain and distress today, its not fair how they treat their customers. They are very quick to take ot money for charges, but they are not ready to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I reviewed my credit report and noticed information that was incorrect with 2 of my accounts. According to XXXX, Equifax and XXXX I was late on these accounts, which is completely false, as I have already verified this information with the creditors. I proceeded with sending XXXX, Equifax and XXXX dispute letters outlining what was incorrect on my file. 

XXXX sent me a response to my dispute on XX/XX/2022 stating they did not understand the nature of my dispute, which I think is a stall tactic and violation of the FCRA, because I was very clear that I was disputing the status of my accounts, reflecting incorrect payment history. 

I have yet to receive a response from Equifax on their investigation results and it has now been over 30 days since I sent in my dispute letter. 

XXXX, Equifax and XXXX are both in direct violation of US Code 1681a Paragraph 2, which states " Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ''. 

And according to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT! 

As an XXXX XXXX it is already hard to navigate the stigma within this country 's financial institutions and having erroneous information reporting on my credit profile just makes it so much difficult for me to be a able to provide a better quality of life for my family. 

Please help me correct this erroneous information!!!
Product: Credit reporting

I found XXXX Major Errors on my Experian Credit report which are NOT on my XXXX OR XXXX report in regards the XXXX account beginning with XXXX. They are as follows : Account type being Mortgage Banking the terms were an Installment not Revolving. Experian has this listed as " revolving '', It was NOT and : The Entry for the High payment Balance is listed as " {$0.00} '' this is also incorrect. As an installment mortgage the payment amount was a fixed principle plus variable interest rate with taxes and insurance rolled into the payment amount via escrow. As such it could not have a value of zero ( 0.00 ) dollars. Therefore this tradeline is in error and negatively affecting my credit score unfairly in its inaccuracy.
Product: Consumer Loan

The car was towed by BMW and was damaged slightly. 
The payments were all made on time. 
I disputed the XXXX damages and the XXXX towing fee in Court. 
BMW supervisor on the phone said they would reduce it to the {$6200.00}. 
This was then paid off as agreed. 
XXXX and the other Reporting agencies have it correct. 

Please tell Transunion to change to Paid as Agreed. 
This is dramatically damaging my credit score and is not correct. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Late last year ( XXXX ) I received a notification from Federal Student Aid that my new servicer would be Nelnet. This is/was my last academic year of law school, so that notification was not unusual considering that my loan deferment will end with my completion of XXXX XXXX. However, my loans remain lawfully in deferment or otherwise are not due until 6 months thereafter, which is XX/XX/XXXX. I have responded to all of Nelnet 's communication. I have activated my online account with them. I even noticed that Nelnet reported tat they are my new loan servicer on my XXXX report. I have satisfactorily managed my student loans, and thus the record of my loans on my credit is excellent. Nelnet initially similarly that my loans were in great standing and otherwise in deferment. However, on XX/XX/XXXX, I received a notification through XXXX XXXX and XXXX that my XXXX XXXX dropped XXXX points due to a new status report from Nelnet. The notification provided no further details regarding the " new status, '' except " remark code removed, '' but clearly such status is negatively impacting my report. Not one of these agencies has explained the exact reason for the negative status report, which is notably inaccurate.
Product: Credit reporting, credit repair services, 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 Bankruptcy Reference # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Product: Debt collection

XXXX refuses to get bill off my credit. I have offered to pay but they show an amount of XXXX and only 7 percent paid leaving a balance of XXXX on the collection. Balance is wrong suppose to. Be XXXX dollars from services ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit card or prepaid card

XX/XX/2020 I bought a snake rack from " XXXX * XXXX XXXX   XXXX '' at a price of {$770.00}. 

XX/XX/2020 I recieced an email stating that the business will be shutting down, and I will no longer be recieving my product. I was informed to dispute the charge with my credit card provider by " XXXX   * XXXX XXXX XXXX '' to get my money back. 

XX/XX/2020 I disputed the charge with Capital One ( my credit vard provider ). They credit my account the {$770.00}. 

XX/XX/2020 I recieved a letter from Capital One saying that charge was authorized by me and they are going to recharge my account for the total {$770.00}. Yes, I did authorize the charge but the issue is me not receiving the product that I bought. I am informed that I can appeal the decision but I have to mail in extra information by XX/XX/2020. 

I printed the email from " XXXX * XXXX XXXX XXXX '' telling me to chargeback my amount. Typed up an explaining with everything the letter from Capital One wanted. I mailed everything on XX/XX/2020. 

XX/XX/2020 I have heard nothing back from Calpital One, I gave them a call and spoke to a representive that said they have recieved my letter last week ( I can not remeber the day she told me ) and that my case was in queue for MasterCard process. 

XX/XX/2020 I called Capital One to talk about my dispute. I was informed that they recieved my letter to late and that a letter was mailed out on XX/XX/2020 to inform me of this, 8 days later I still have not seen this letter. 

I orginially opened this dispute because I was told that I would not recieve the product. Capital One then precede to contact " XXXX * XXXX XXXX XXXX '' asking if it was a authorized purchase, then they basically closed the case on my and not I am out almost {$800.00}. 

They told me to contact " XXXX * XXXX XXXX XXXX '' but they do not have a working website any more, no working email, and no working phone number. How am I suppose to contact a business they has no means to be contacted by.
Product: Credit reporting or other personal consumer reports

Item 11 : - Account Name : XXXX  - Inquiry Date : XX/XX/XXXXXXXX  Fraudulent Other Accounts Other accounts : - Account Name : ACIMA DIGITAL FKA SIMP XXXX Account Date : XX/XX/XXXX -Account type : lease -Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 


Fraudulent Student loan - Account Name : DEPT OF ED/XXXX  - Account Date : XX/XX/XXXXXXXX  -Account type : Student loan -Balance : {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the account and inquiry listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization.

The fraudulent account and inquiry are as follows : Account XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested an investigation on XXXX XXXX : Account number : XXXX. This account came back verified with information updates. Equifax updated the report claiming to have been provided additional information in regards to the accounts information reporting. The late payment on the account came back as verified through the cfpb. That is mind boggling due to the fact that no documentation to support this late payment history has been provided to me. I am requesting the documents provided by XXXX to Equifax in order to verify the accounts information. The specific legislation within the Fair Credit Reporting Act ( FCRA ) that enforces credit reporting agencies to share documentation from credit furnishers with consumers is Section 609 ( 15 U.S.C. 1681g ). This section mandates that credit reporting agencies must disclose to consumers all information in their credit file upon request, including the sources of this information and the identification of each person who procured a consumer report. Please take a moment to provide the requested information or grant me my right to address the account that I have indicated and its error.
Product: Credit reporting or other personal consumer reports

My credit score decrease on today with equifax credit bureau from a XXXX to a XXXX due to XXXX XXXX this is the first time this has happen I disputed it and now my score drop
Product: Credit reporting

I have hard inquiries for a car in XXXX 2014 I should not have any inquiries concerning a car in late 2014. I purchased a car in XXXX 2014. I am not sure where they came from and previously sent to XXXX & Experian to have those hard inquiries removed with no success.