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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX [ XXXX XXXX XXXX XXXX ] [ Agency Address ] [ City, State, Zip Code ] Subject : Dispute of Inaccuracies on Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccuracies on my credit report as provided by your agency. Upon reviewing my report, I have identified several discrepancies requiring correction.

1. **Account Information** : - **Account Name** : XXXX XXXX XXXX - XXXX XXXX : The report indicates this account was closed on XX/XX/XXXX, but it also shows a reported balance of {$17000.00} as of XX/XX/XXXX. This is contradictory, as a closed account should not have an outstanding balance. 
- **Highest Balance** : The report states a highest balance of {$36000.00} and indicates that I've paid off 50 % of this loan. However, the payment history indicates that I've only made 19 % of payments on time, which raises concerns about the accuracy of the reported information. 

2. **Payment History** : The payment history reflects an inconsistent pattern with markings indicating missed payments ( X ) for several months. I request a detailed breakdown of these payments to verify their accuracy.

3. **Loan Overview** : The loan is reported as opened on XX/XX/XXXX, with a term of 72 months. I would like clarification on the status of this loan and any relevant payment records that pertain to it. 

In compliance with the Fair Credit Reporting Act, I request that you investigate these discrepancies and provide written verification of your findings. If any information is found to be inaccurate, I ask that it be corrected or removed from my credit report. 

Enclosed are copies of my credit report highlighting the discrepancies along with any relevant supporting documents. I appreciate your prompt attention to this matter and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccordance with the Fair Credit Reporting Act XXXX has violated my rights in 15 u.s.c section 1681 sections 602, 15 u.s.c section 604 section A2 also states a consumer reporting can not furnish a account without my written instructions, they also violated my rights under 15 u.s.c. 61 81 section 611 5 the law clearly states if items are found in accurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Someone had used my identity to open an account with XXXX and never paid. The account eventually went to collections and this is how I came to find out about the identity theft. I explained this to the debt collecting agency but they were still requesting payment from me. I reached out to the credit bureaus, disputed the mess and it was cleared from my account. Now, on XX/XX/year>, the same XXXX account with a debt of {$3100.00} was back on my credit. After speaking with an agent from XXXX, I am following the steps to rectify the matter. I have disputed the debt on my credit. I will be reaching out to SOURCE RECEIVABLES MNG. to explain to them that I am not connected to this debt as well. I was advised to file a police report to handle the matter. Once again, this is not my debt. I have never had an account with XXXX. I am a victim from identity theft and would like to have this removed from my credit and name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus last XX/XX/2022 to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX CO Account Number : XXXX ; XXXX XXXX CO Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account XXXX : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; UTILITY SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX
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, a Department of Education servicer, has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 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: Checking or savings account

Through the dates of XX/XX/XXXX through XX/XX/XXXX my name was slandered by a bank employee who lied on me for no reason at all. The bank decided to restrict my account. 
All of my XXXX 's in my account was held up and put on hold. My Creditors was left with no payments. This caused me to lose my Credit accounts of {$100000.00} in credit flooring credit with XXXX XXXX XXXX and XXXX XXXX. My car lot has been financially damaged to to the negligence of Chase bank. Punitive damages going to be added to this complaint and also monetary damages. The to creditors have filed a UCC-1 letter blocking me from auctions and causing other auto flooring companies to close my accounts and not do business with me. Chase bank has also discriminated against my Civil rights company I had a business checking & saving account with this company also. I want my account put back to positive status and my {$14000.00} returned to me. Chase bank is liable for now thousands of dollars due to me and damages to my car lot XXXX XXXX XXXX. I will be mitigating this case and I must be compensated for my business loses. I will notify all of Chase bank 's donors and let them know also I have been discriminated against as a minority business owner and singled out and harassed and my privacy with my account was violated.
Product: Debt collection

I had Bank of America CC. 
I defaulted on the card because of BoA change in policy that I could not afford to keep up with and mounting medical debt. 
It was sent to collections and XXXX, XXXX, XXXX and XXXX XXXX have harassed me and made false statements. 
Legal aid helped me find court documents with falsehoods and service papers. 
I am on XXXX XXXX and can not make payment. 
The dates on the papers sent to me by them with Supreme Court of XXXX headings seem not to be legitimate listing multiple addresses. 
I was never served by anyone with the papers. 
I received a letter dated XXXX XXXX, 2015 referring to a complaint dated XXXX XXXX in which I was given XXXX days to respond to. Obviously this voided my opportunity to respond. 
The rest of the documents legal aid found online. I had no knowledge of these. 
The affidavit of Service from XXXX XXXX is also false, I was never served, this document was also found on line by legal aid. 
The dates are all untimely and impossible to meet. This is all done in an attempt to scare me into paying them. 
This is to include phone calls and claiming to have served me.
Product: Credit reporting

Transunion conceals customer service hotline on company website. I had to go to a consumer info sharing site to get the number. I am convinced the number does not appear at all on their own site.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( 15 USC 1681a and b ), consumer reporting agencies must fulfill their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. The Privacy Act of 1974 prohibits the disclosure of records without the individual 's explicit written consent. XXXX, Experian, and XXXX have not obtained my consent for the report of the bankruptcy on my credit profiles. These companies need to remove this reporting due to inaccuracies in reporting and violations of Metro 2 compliance. Attached are court statements and an FTC report for identity theft as evidence. As per 15 USC 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 resulting from alleged identity theft, no later than 4 business days after the date of receipt by such agencies.
Product: Debt collection

I have tried reaching out to this company about the debt, because it is not mine and I had my valuables stolen a few years ago with all of my personal information compromised. I would like if they an remove this debt off of my report.
Product: Checking or savings account

Hello, I need to dispute 3 charges made with my debit card ending in XXXX, because the seller never sent the merchandise and also never answer the pone callas and replied the several emails I sent to them. 

Transaction 1 : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX, must be delivered on or before than XX/XX/XXXX Transaction 2 : XX/XX/XXXX, XXXX. It was an XXXX  XXXX XXXX XXXX, must be delivered on or before than XX/XX/XXXX Transaction 3 : XX/XX/XXXX, XXXX it was an XXXX XXXX, must be delivered on or before than XX/XX/XXXX XXXX
Product: Credit reporting

I pulled my credit annual report and found false information being shared to credit card company. Nasty remarks like failed to pay promised loans I am not receiving any credit for continueing to paying my home mortgage ( XXXX XXXX XXXX ) and my home equity line of credit ( XXXX XXXX ) since XXXX XXXX. A few other no no 's have been deleted, but Experien is Remaining on the outcome to not report. it shows CO XXXX XXXX, which I have made my payment since day one of this bank buying my loan in XX/XX/XXXX to XX/XX/XXXX. Same with us bank. So none of the credit agencies are willing to do the right thing and report my payments being made, on time, every month, never late. XXXX got even nastier and took my fica score from XXXX to XXXX than XXXX within 2 weeks??? I am not giving up to get the correct credit reporting. I sent them proof of all my payments made, proof from both corporate banks showing i made the payments and these credit bureas are still refusing to show that. I can send documents if need be, but these are sensitive and last thing i need is more problems with my credit. If need be, i can send all that I have in, which is about XXXX pages. XXXX XXXX muddied up my credit report last year when I cancelled a refi loan in where they were asking enormous fees to do an appraisal. The paper trails says it all for itself. it 's not coincidental, I spoke with XXXX men XXXX and XXXX at the XXXX office, and they both had bad attitudes towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Experian lowered my score by XXXX points (! ) because XXXX ( the student lender ) reported my account to be delinquent at the time when I was on the IXXXX Repayment Plan. The reporting was incorrect, which I had all the proof for. I contacted Experian and disputed these wrong " delinquencies ''. They did nothing. I called them to inquire what the problem was/is and their customer service said that sometimes it takes time to fix the problem (?? ). Instead of fixing the problematic reporting ( and looking into the evidence I submitted that there was no way I missed any of these payments because I was supposed to be in the economic deferment and XXXX - submitted all my tax returns for all 3 last years ), yesterday they went to lower my score for additional XXXX points. I have no idea where that came from because on their reporting I do not see any recent delinquencies and there should NOT be ANY. My paying history has been exceptional throughout the years, and my status with the XXXX XXXX XXXX XXXX shows exceptional paying history. Despite this and all the evidence that I sent to prove XXXX  false reporting, Experian did not want to remove these reportings on my account and within 3 months lowered my score by over XXXX points! Even XXXX responded here at the CFPB portal that they made a mistake in reporting ( not for XXXX, although I will complain about that in my next complaint, and I will keep complaining because this is ridiculous ). I want Experian to fix this problem now.
Product: Credit reporting or other personal consumer reports

PLEASE BE ADVISED THAT AS OF XX/XX/year>, MY INITIAL DISPUTE WAS MAILED OUT AND I HAVE YET TO HEAR A RESPONSE 6 MONTHS LATER THIS IS MY SECOND DISPUTE AND I DEMAND A RESPONSE IN A TIMELY MANNER. AS LISTED ON MY MOST RECENTLY REVIEWED CONSUMER REPORT, THERE ARE STILL UNVERIFIED INQUIRIES AND ACCOUNTS. THESE UNVERIFIED AND UNAUTHORIZED INQUIRIES AND ACCOUNTS ARE A RESULT OF ENABLING IDENTITY THEFT. MY PERSONAL INFORMATION HAS BEEN LEAKED THROUGH XXXX DATA BREACH. EXPERIAN HAS FAILED IN ENSURING THE MAXIMUM POSSIBLE ACCURACY OF THIS INFORMATION PRIOR TO FURNISHING IT ON MY CREDIT PROFILE. THIS IS A CLEAR VIOLATION OF MY RIGHTS AS A CONSUMER. I
Product: Checking or savings account

I am filing a complaint against XXXX bank ( now Huntington National Bank ). I called customer service to request to close my checking account on XX/XX/2021. At the time, I have a remaining balance of {$1100.00}. The representative helped me deactivate my debit card and told me the closure will be processed within XXXX business days and the remaining balance will be mailed in check. But I never receive the check. 

I called again on XX/XX/2021. The representative confirmed that she can see my account closure and requested me to call back in XXXX because the policy of re-issuing checks is 3 months after the original check was issued. 

I called again on XX/XX/2021. The representative asked to me go to the local branch with my ID. 

I went to the branch on XX/XX/2021 at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The agent said the balance at account closure is {$0.00} and there are no transactions in their system because they delete everything 2 months after account closure ( but I was asked to wait for 3 months for reissuing a check ). The agent is very rude. She told me they never close accounts through phone ( how come I know it if the first rep did not tell me this information? ) and blame me it is my responsibility not to keep track of the money ( I did everything I can do for this based on customer service 's instruction, and also followed up through phone twice, XXXX minutes for the first call and XXXX minutes for the second call ). She told me they will request the backend team to look into it and get back to me within a week. But I did not hear any back for the past week. 

I am attaching the last statement saved on my computer before the account closure for more account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to 1099C that Chase filed for the account XXXX, can you explain why a credit account that has been piling up balance over many years is reported as a single year cancelled debt. I believe this is wrong and it puts unnecessary burden on the taxpayer who then has to pay the cancelled debt in a single year.
Product: Credit reporting

I had a tax lien with the IRS in XX/XX/XXXX. The lien is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never did business with JH Portfolio, they 're consistently reporting inaccurate information on my report stating that i owe them XXXX which i do n't recall borrowing from any credit card company. i disputed this issue by calling XXXX, i never got any response or documentation of proof that i own this complay but the derogatory marks remained on my report.
Product: Debt collection

This is my third time reporting this company who has yet to reveal any information to me as to the detailed itemized charges. according to the fair credit reporting act this information must be disclosed to me prior to any reporting agency. I never recived any thing from this company. The federal law states that I must have been provided a detailed statement of the charges before reports are made in regards to my character. ( FCRA 606 ) I have spoke with experian in this regard. there claim was that the debt was verified. however the agency must procure procedures to assure accuracy of the information ( FCRA 607 b ). experian has failed to do this and refused to let me dispute the item saying i didnt have any new info.
Product: Vehicle loan or lease

I was told one price and wasn't disclose the terms of the loan and the amount of the loan
Product: Checking or savings account

A few weeks ago on XX/XX/XXXX - I received several fraud alerts sent to my email asking me to confirm XXXX purchases being made online, XXXX transactions were processed at XXXX that day between {$98.00} and {$100.00}. XXXX of the transactions was returned via XXXX and this was confirmed by an employee in the fraud department. I immediately disputed the transactions and cancelled my card. I waited for the investigation to be complete and received notice that none of my funds would be returned. I DO NOT live in Arkansas and no IP address of mine could ever trace there. I will file a police report and I will be closing my account with bank of america. I dont believe a thorough investigation was done because if it had been I would have received my hard earned money back that a thief stole! Ive waited nearly XXXX weeks struggling to pay my bills because I was waiting on this money.
Product: Debt collection

A representative of Evergreen Financial Services, who called herself XXXX XXXX, called my place of employment during business hours. Until this date, I had no prior knowledge of any outstanding balance. She was very aggressive and demanding that this issue be resolved. I told her if this was a valid balance owed, I would look into it and resolve the issue as soon as possible. She asked me questions like how much is my income, where is my current street address, which I do not give out to any stranger over the phone. She became agitated and kept repeating the same thing over and over, as if I were to resolve the debt immediately, meanwhile I am trying to conduct business at work. I have no problem clearing this debt, but with such unprofessional business practices, the last thing I want to do is send Evergreen Financial Services money.
Product: Checking or savings account

On XX/XX/XXXX, the IRS alerted me that they have deposited to my Wells Fargo checking account my {$1200.00} stimulus Direct Payment from the CARES Act. 
To this day ( XX/XX/XXXX ), I have yet to see my bank credit that amount to my account. 
After several phone calls to both the IRS and Wells Fargo and no resolution, I contacted US Congressman XXXX XXXX who agreed to call the Treasury and get an update on my behalf. The Congressman sent me a letter that indeed the IRS did send the {$1200.00} to my Wells Fargo checking account, yet my bank statement does not reflect such transaction. 
I sent so many emails to Wells Fargo and made many phone calls to them, asking them to help me find out what happened to my missing money from the IRS, and all I got is the biggest run-around ever, promising a call-back with a resolution, and no such resolution was delivered to me so far ( more than 1 year after the {$1200.00} was supposed to have been deposited ). 
I have 2 case numbers from Wells Fargo ( case number : XXXX - and Wells Fargo case number : XXXX from Wells Fargo Case Specialist XXXX XXXX ), but every time I reached out to them for an update on my missing stimulus direct payment, they keep referring me to the IRS. It's like they really don't care and wish I will just forget about it. 
I have been heavily impacted by Covid, and I am undergoing a lot of health and financial hardships, but Wells Fargo has so far completely ignored my pleas and mental anguish. 
Wells Fargo have been involved in scamming their clients in the past, and I am sad to say that they are again using the pandemic crisis to scam vulnerable impacted customers of their stimulus payments. It's unfair and I am praying for oversight. They are not above the law!! If any regular citizen is caught stealing {$300.00}, they get charged with felony theft and face serious consequences. Wells Fargo should not be allowed to steal from long-term " valuable customers '' in our darkest hours! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i sent a letter on XX/XX/22 to dispute a account on my consumer report that is not accurate. experian got the letter on XX/XX/22, XXXX XXXX got the letter XX/XX/22 and XXXX got the letter XX/XX/22. I also sent a copy or driver license and a bill showing my address. They sent me a letter stating that the account been verified. UNDER 15 USC 1681i ( c ) ( 5 ) -Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years -- yes, for years -- I have been unable to get a credit report from Equifax. 

Whenever I go through the process of verifying my identity, the recorded voice tells me that they could not verify me. But I'm quite confident that I answer the questions used to verify my identity correctly, since I refer to a different credit report to confirm dates and accounts before answering the questions. I went through this twice today, XX/XX/2022. 

When I couldn't get my identity verified through their automated system, I wasted a couple of hours trying to get my an agent to provide my credit report and unfreeze my credit. I waited on the phone for well over an hour before finally giving up. Equifax 's phone queue doesn't provide an estimated wait time or the chance to request a callback. How long am I supposed to wait? 

I tried using their " myEquifax '' portal but could not log in and they would not let me reset my password. I could not create a new account because they told me I already had one. So using the telephone is my only option outside of the lengthy process of collecting a variety of personal information and sending it for verification. 

This is ridiculous. The other credit bureaus have no problem confirming my identity. What's wrong with Equifax?