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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX & XXXX XXXXXXXX
Product: Bank account or service

As of this month my bank, Wells Fargo, changed their security features and the entire webpage format. Previously you were able to view your processed ( cashed ) checks online through your login account and save the images for your own records. The updated security feature now blanks out the account number and the entire signature on the front of the check which invalidates the ability to use it in a court of law as a legal document. You are now being asked to call the XXXX number to get a copy of the check which you are now assessed a fee for and you no longer have direct access to your information without the blocking of important details. This is supposedly done for security purposes, when it was accessible previously for years for free. This makes no sense, when you login in to their secure server to see your personal account information. This was only done to incur a charge for processing the copy and mailing it to you to make money. By altering my document without my permission and taking away my right to have free copies of the checks they have created a black mail situation. A check is a legal binding agreement once it goes through the bank. They have no right to alter the appearance of my check without my permission. That is fraud. All of my checking accounts have been affected in this way. I am very dissatisfied and want my checks to be free to copy as before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Credit Bureaus have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining account needs proper action to assure the maximum possible accuracy on my credit file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have this account corrected : XXXX XXXXXXXX XXXX
Product: Credit card

I've gotten XXXX letters from Chase Bank about how they can't open a credit card in my name because of my credit but I never applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report has me at late payment for XX/XX/XXXX. I did not purchase the XXXX  until XX/XX/XXXX. I was never late on my payments. Experian as the account opened as of XX/XX/XXXX. I am not sure how I can have a late payment a month before I purchase the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX CREDITORS AUTHORIZED MY REPORT WITHOUT MY WRITTEN/AFFIRMATIVE CONSENT.I HAVE 5-13 INQUIRIES ON MY REPORT BETWEENXX/XX/XXXX-XX/XX/2018, AND IT HAS BROUGHT MY SCORE TO A LOW. I WASN'T AWARE OF THESE REPORTS AND MY SS # WAS USE IN A IMPROPERLY MANNER .ALL THREE BUREAUS WAS EFFECTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.
Product: Credit card or prepaid card

Good morning, I have been finally reviewing all my Best Buy bills, and I realized that I have been charged for a Debt Protection program I never signed up for. ( I believe it Started XX/XX/2009 and I have been charged {$35.00} a month ) I can hardly make payments as it is, so I know I would never agree to this service.

In the past I've always had a hard time logging into Best Buys online statements, because it's never been user friendly. I'm finally able to break down all my charges to see a fee that does not belong there. I have assumed it was interest charges in the past.

I contacted Best Buy, and they referred me to XXXX XXXX XXXX. XXXX XXXX XXXX stopped the service and said they would review my case. They never reviewed it, because I was denied before I got the paper work. My rejection letter came in before the paperwork to fill out.

I would like to know how a charge would start appearing without my consent. I also read online that other parties were affected, and might be part of the data-breach from years ago.

Also Best Buy refuses to respond to my emails!!!!!!!!
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 Account # XXXX has violated my rights. 
-XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
-XXXX  XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX, XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX, XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised, it seems. This possibly includes information related to SSN,  Accounts, etc. Bad stuff.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card inquires on XX/XX/XXXX and XX/XX/XXXX Chase card inquiries on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX   inquiry on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I never use any client repair company to send my dispute. Why i recieving mail saying I'm sending letters using XXXX party which is wrong because I'm the one who send out letters. Now i filling a compaliant please remove this account and inquries. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of XXXX XXXX XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Mortgage

So I did a modification with the new loan amount and payment due XX/XX/XXXX. I made the payment on XX/XX/XXXX on time but my credit report reflects that the payment was late more then 39 days or not made I called them they flagged it said give them 2 weeks to correct and I did I called back they said that what was reported was correct will not say anything about my payment wether received or not the past due amounts closed with the new loan papers from before XXXX my XXXX payment was on time it should be reflected as XXXX being so. They are never copertive they always tell me something that they don't do u have other obligations that this effected along with XXXX point dump on my score
Product: Payday loan, title loan, or personal loan

Today is XX/XX/2018 and for the past few days I have been in contact with XXXX XXXX   customer support team. I do believe that there has been a breach in the contract since contract expressly states that the loan is a daily simple interest loan which accrues interest on a daily basis. So when the contract says in plain english that " prepayment of principal may reduce the total amount of interest you pay under this agreement '' then I do expect to save money on the interest as stated. So on date of XX/XX/2018, I paid {$1000.00} so shouldn't I have saved on the interest according to the contract? But instead my balance went up more then the original pay off amount so I getting ripped off by these people while I am here trying to do what's right. Why am I paying more interest charges of the portion that has been paid in advance in a daily simple interest loan? This is not what I signed in the contract. I do also have copies of the email correspondence from Netcredit 's support team sounds like they gave me the run around. 

My total balance on XX/XX/2018 was {$1600.00} and I paid a total of {$96.00} on Friday and {$1000.00} on XX/XX/2018 so why is my balance {$600.00} Where is the reduced total amount of interest?
Product: Credit reporting or other personal consumer reports

Please see supporting documentation pertaining to Equifax Data BREACH.
Product: Debt collection

XXXX XXXX and its collection agency GC SERVICES have reported me to the 3 major credit bureaus for bad debt for a debt that I do not owe. I had services with XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. More than the original agreement of 2 years. I kept their services on a month to month basis and signed no added / new contract with them ever. Somehow they are trying to charge me {$170.00} for an early cancellation fee. When asked about a contract showing this, neither XXXX XXXX nor GC SERVICES can provide one and have reported me to the 3 credit bureaus as Bad Debt which is affecting my credit score and home buying process. When called and asked to remove this, GC Services claimed they could not advising that I would have to call XXXX XXXX. XXXX XXXX  advised that the debt does not belong to them and still can not provide a contract to verify an " Early Cancellation ''. Someone please help...
Product: Checking or savings account

On XXXX XXXX my credit karma money account was hacked, the hackers stole {$5500.00} using the virtual card the app offers you. I called and disputed the charges, on XX/XX/2023 the investigation was complete and I got my money back. I went to use the card and it didnt work, so I logged in and saw my account was frozen for my protection I called customer service and they told me to refresh my email for a link to verify my identity so the special department ( their words, not mine ) can investigate and unfreeze my account. I have not received an email with a link, i havent been contacted, they are essentially holding my money XXXX.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to this company over 30 days ago, notifying them of inaccurate reporting and requesting the removal of this account due to FCRA violations. However, I have not received any response. XXXX XXXX  has a pattern of closing CFPB complaints by falsely claiming their reporting is accurate, despite clear errors. I will not accept a generic response when I have provided proof of their blatant inaccuracies, illegal practices, and FCRA violations. 

The date last active is inconsistent across bureaus, with clear re-aging. There are contradictory late payments, charge-offs, and " OK '' notations between XXXX, TransUnion, and XXXX. Additionally, unfair interest has been applied, and there are discrepancies in balances and reporting dates. 

I have attached a copy of my dated and time-stamped dispute letter along with documentation for account XXXX, highlighting the erroneous reporting. I am demanding that this account be removed from my credit report within 14 days due to its misleading and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date Opened>>> XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

World finance sold the account back in XXXX and charged it off as a lose. They stopped reporting on it and then suddenly in XXXX decided to start reporting again and raised a {$520.00} balance to over {$3000.00} when I brought this to their attention and told then they could not do this and they could not longer report to my credit as they had sold the account they ignored me and continued to report on my credit.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( XXXX ) to be erroneous : Creditor/Company Name : XXXX Account Number : XXXX Inaccurate Information : o The " Date Opened '' is listed as " XX/XX/XXXX '' by TransUnion but " XX/XX/XXXX '' XXXX XXXX and XXXX, causing discrepancies in account history. 
o The " Date Last Active '' is reported as " XX/XX/XXXX '' by TransUnion and XXXX, but XXXX reports it as " XX/XX/XXXX, '' suggesting outdated or incorrect reporting. 
o The " Comments '' field includes different remarks across bureaus. TransUnion states " Dispute resolved ; reported by grantor, '' XXXX mentions " Account was in dispute- now resolved - reported by subscriber, '' and XXXX notes " Account previously in dispute- now resolved by data furnisher. '' These inconsistent comments create confusion and misrepresent the accounts current standing. 
o The " Two-Year Payment History '' shows a " XXXX '' delinquency for XX/XX/XXXX in XXXX, while TransUnion and XXXX report no delinquencies for the same period.
Product: Credit card or prepaid card

I noticed six separate charges for {$25.00} each on XX/XX/XXXX that were not initiated by me. I contacted both the card issuer and merchant later the same day to dispute those charges. The merchant marked the charges as fraudulent and the card issuer opened disputes on the six charges with provisional credits applied to offset the charges. 

On XX/XX/XXXX one of the six charges had the dispute resolved in my favor - a merchant credit was applied for {$25.00}, and a {$25.00} charge was applied to reverse the provisional adjustment. On XX/XX/XXXX a second {$25.00} charge was applied to reverse the provisional adjustment without any corresponding merchant credit. 

Meanwhile the five other disputes are still not resolved my the card issue and it has been more than 90 days since the disputes were opened. 

Since the XXXX double dip reversal charge I contacted the card issue twice - by chat and by phone. The representative I spoke with said the disputes would be resolved before the 90 day period from the opening of the disputes and that they would " escalate '' the second adjustment charge to some unnamed group that would follow up with me - it has been over two weeks and no word from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently settled an account with XXXX store card. The agreement was that I pay a certain amount and in exchange the account would be closed and I would no longer owe any balance on the account. This agreement was paid and settled. Since then XXXX have reported my balance and payment status incorrect on two separate occasions to the three credit bureaus. The correct way it should be reporting is my balance being {$0.00} and my payment status closed. XXXX had two opportunities to report this information correctly but they maliciously didn't do so. Instead of updating the terms of our agreement they violated my rights by falsely reporting the account balance with a balance of {$280.00} and not updating the payment status proving that this matter is situated. They continue to report incorrect information to the credit bureaus which is a violation of my FCRA rights. They knowingly reported incorrect information. This has caused me emotional hardship, it is still ruining my personal character and continues to negatively affect my life.
Product: Credit reporting or other personal consumer reports

This account is inaccurate it is reporting inconsistently across bureaus. Experian and XXXX are reporting inconsistent Date Last Active Experian XX/XX/XXXX, XXXX XX/XX/XXXX. This account also has inconsistent account numbers it could belong to anybody. If the information is coming from the original creditor the information should be consistent across reports. We can not say this account is accurate. Youve failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of the following account : XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had deferred my loan several times between XXXX/Nelnet. The loan was sold back and forth between both sister companies. I became XXXX XXXX through the veteran affairs and applied to have my loan XXXX under that program. 

The collections was removed from the three credit bureaus but has been added back to as delinquent and past 120 days, which is hurting my credit score as a XXXX XXXX veteran. 

This has caused a great hardship and has made it impossible to obtain a home loan using my VA benefits. 

As a service connected XXXX  veteran I have been unable to obtain gainful meaningful employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Letter was sent to XXXX by certified mail on XX/XX/2023 and was received on XX/XX/2023. 

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX and XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

APPLE CARD/GS BANK USA XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Goldman Sachs Bank USA ) Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ Goldman Sachs Bank USA ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s [ APPLE CARD/GS BANK USA XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX Furthermore, on XX/XX/2023 I spoke to Customer rep XXXX. I was told that by having they card it was implied that they will report to the credit bureaus even though it is illegal. They also said that will not remove the utilization and to go ahead and file a report if I wanted to.
Product: Debt collection

I returned the call on XXXX/17 and the young lady was rude. She told me people that do n't work still pay the debts. Then she wanted to go through my finances with me. I do n't think that is any of her business. 

If she wanted to collect a debt she should work with that person, not tell them how or how much they need to pay.