23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have filed numerous complaints with incorrect information being on my credit report. I have had to get numerous addresses removed off of my report that I have never lived at and numerous telephone numbers that I have never had. I have been disputing these same accounts for the last 6 months and they refuse to remove them. I am exhausted and I have now filed suit. I will not amend it or cancel it until they remove those items on my intent to sue letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

2.Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my Experian account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

4.Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my Experian account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

5.Account Name : XXXX - XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

6.Account Name : XXXX XXXX  A Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my wife had sent me XXXX transfer in the amount of {$1000.00} to my Chase checking account. I even received an email from Chase bank that I received the transfer. 
However, the money never got deposited into my Chase account. 
Later we found out that the account that my wife sent to was a closed account, and she sent it accidentally. 

So, I spoke to both banks. 

My wife 's bank ( XXXX  XXXX XXXX ) said that they can't do anything about it because they already initiated the transfer. 

My bank, which is ( Chase bank ), said that they can not track the XXXX transfer, and they can't do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When requesting my credit score from XXXX, I made it through the XXXX and XXXX reports fine using my PII, but when I answered the system-generated questions from Equifax, I was provided with a different person 's credit report. This includes the other person 's name, address ( current and previous ), credit history, last 4 of  social security number. I am unable to access my actual Equifax report on XXXX since the site appears to consider my once-every-12-month request fulfilled, though I still do not have *my* report from Equifax. 

I am concerned that the Equifax credit request site allows unintentional distribution of someone else 's information, and that there are no systematic checks in place to ensure this does not happen. I submitted a complaint through XXXX, but in order to submit a dispute/indicate that I am concerned about fraud/incorrect reporting, I am required by Equifax to enter a significant amount of personal information. Considering Equifax 's recent history with data breaches - and apparent ongoing inability to restrict access to an individual 's data - I will not be entering any information in that web portal. See attachment for a screenshot of the Equifax page to submit a dispute, requiring Date of Birth, full Social Security Number, Name, current address, and email address.
Product: Credit card or prepaid card

As consumer and beneficiary of this account, I assigned XXXX XXXX as trustee for this account.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I was contacted by Premier Recovery regarding an account I am unaware of. When I called XXXX a gentleman answered the phone and said hello. He didn't say the company name. 
When I gave him the file number he called out another someone else 's name. I asked the guy if I could get validation of the debt & he replied that they would not do something that I could do myself. He also refused to give me any contact information to the original creditor when I asked repeatedly. He began to raise his voice at me and didn't assist me with my concerns. I am unaware of the debt and simply was requesting information since I don't recall having an account with XXXX XXXX XXXX. The gentleman was very rude and uncooperative. He was irate because I asked for proof of the account. The guy was very unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was attached to an old property address of XXXX XXXX XXXX, XXXX, DE XXXX. This property went into foreclosure in the year of XX/XX/XXXX and XXXX owned this loan. At the time of the foreclosure, my ex-husband, was responsible for this account which then was owned by XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and it was discharged inXX/XX/XXXX. Since I was the co-signer on this account, it is showing still active on my credit report. I have spoken with the previous representatives of the owners of this account which led to them agreeing to remove this account from the delinquent status and list it as a " charge-off ''. I requested for a letter to be sent to me to verity when this was complete, but to no avail.
Product: Credit card

Recently, Target replaced my existing credit cards with new cards. Upon receipt of the new cards, I registered them in accordance with Target 's instructions. When I attempted to use the referenced card at our local Target, it was rejected. 

I contacted Target and was informed that my account was " Past-Due ''. I travel frequently, unable to receive mail, and must manage my Target Account online. According to the Target Website, my account was always current and " Auto-Pay '' was active. 

I called " XXXX '' at Target and she updated my Target Online Account, which now shows XXXX " Late-Payment-Fees '' of {$27.00} and {$37.00} on XXXX XXXX and XXXX XXXX XXXX, respectively. 

As I never received a paper bill and the Target Website always showed that my account was current and " Auto-Pay '' active, I dispute the " Late-Payment-Fees '' reflected on the attached printout and request that they be credited to my Target Account. I have always dealt with Target in Good-Faith and request that Target do the same. 

Your assistance in this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe the XXXX XXXX XXXX account XXXX has violated my

rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Debt collection

I SENT IC SYSTEM A LETTER TO VALIDATE MY DEBT WITH MY INFORMATION SIGNATURE AND THE AMOUNT OWED AND TO WHOM. 
XXXX XXXX STATES OPENED. 
AMOUNT IS XXXX THEY REPORTED IT TO ALL CREDIT BUREAUS. 
I HAVE FAILED TO RECEIVE A RESPONSE.
Product: Checking or savings account

Good morning, On XX/XX/XXXX Card Purchase / XXXX XXXX XXXX, XXXX, NY XXXX US {$510.00} was refunded. It was a good faith deposit for an apartment hold, which was released when I made 2 months payments to the actual landlord. The realty company returned the payment but CREDIT KARMA has not credited the returned funds to my account. 

Now, after an expensive move I have relied on those funds to get me through the week. The funds have not been added to my account. 

CREDIT KARMA responded yesterday stating it takes 3-5 business days for refunds to hit my account. It is now XX/XX/XXXX, several days after this window. 

Kindly contact CREDIT KARMA to release the funds.
Product: Credit card or prepaid card

I paid off my XXXX credit card in full on XXXX the XXXX with a telephone representative of Comenity {$1200.00} The amount was processed and they provided me with a confirmation number and my credit union placed a pending payment notice on my account.

About a week later the moneys were still in my account and I emailed Comenity requesting that they take the money and credit my account and show as paid in full no balance due as of XXXX the XXXX. 
I did not receive any response, I later called them directly and was told my account was in default and my payment was returned for insufficient funds .... 
I HAD {$100000.00} in my account the day of my payment and {$90000.00} on XX/XX/XXXX, the day that I spoke to the representative. 
I ended the call and immediately resubmitted my payment of {$1200.00} via the Boscovs/Comenity app and later in the week I called to speak to someone and inquired about my account and confirmation of payment issued to them. 
I spoke to first an incompetent XXXX, then called back and demanded a billing supervisor, I spoke to her and was told that I submitted my bank account number missing one digit ... XXXX I expressed disbelief and was told that she would open an investigation and review the recorded conversation on XX/XX/XXXX to confirm that it was I that was responsible for the error and that I am liable for the late payment fee as well as the additional interest accrued on the balance due, I still have no response to my inquiries. 
Today I checked my credit card account and I am being charged again for late fees and interest credit accrued again, even though there was a dispute filed. 
One. I paid off the account balance entirely on XX/XX/XXXX and Two. I do not owe anything more on the account. 

I want my account to show paid in full on XX/XX/XXXX and to be reported as such to all credit reporting agencies.
Product: Mortgage

In XX/XX/XXXX of 2021 we entered into a contract to build a home XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX. 

The home we were building was at XXXX XXXX XXXX XXXX. 

During our initial phone calls I was asked income, assets and gave credit for approval. We were told that we are approved to move forward based on a conventional loan with over {$500000.00} in assets required which we did not have but they proceeded anyway saying that credit and assets can changed over the time of the build. 

Not once over the 12 months was anything requested. Income, assets, job information etc. I have included the internal Underwriting approval letter dated over a year after our contract was signed showing as much. They had not reviewed income, assets, earnest money, nothing besides my credit. 

I also included an email from the lending representative and the contract that states within 45 days the lender ( also Taylor Morrison ) is to provide a notice of conditional approval. The contract clearly states that if the affiliated lender doesn't not provide in that time frame all deposits will be returned. 

At this time we were unable to qualify and ultimately lost the home. Taylor Morrison has refused to return our {$65000.00} deposit and has also recently sold the home for over {$50000.00} more than we had in agreement for our contract. 

We are simply asking that this predatory behavior be reviewed and just want our earnest money back. We are a young family and this has caused major strain and hardship. 

Multiple attempts have been made to the seller, lending officer, Vice President to which we have not got any resolve and as of late will not return any phone calls. 

This has been an extremely emotional time for us and are just asking to do what is right and the return our deposit. 

Thank you, XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this company have ignore my requested since XX/XX/2020 i requested an investigation to inaccurate information that is been report to my credit report. ands i have not received any update or respond i been ignored. 


SEE ATTACHED
Product: Credit reporting

I tried to access the free credit report through the FTC site XXXX and was unable to access. I decided to pay for it and I was charged {$12.00} for a Equifax report and was unable to access it. This is a ripoff with the FTC promoting it.
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. I ask XXXX, XXXX, and Equifax to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Account Name : XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX Reason : Account is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, XXXX XXXX, and CB/VICSCRT. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, XXXX, XXXX XXXX, and CB/VICSCRT with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX, and Experian and have noted following discrepancies : XXXX XXXXXXXX XXXX XXXX Inq date : XXXX/XXXX/XXXX Phone number : XXXX XXXX XXXX XXXX XXXX  Inq date : XX/XX/XXXX Phone number : XXXX XXXX XXXXXXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX  Inq date : XX/XX/XXXX XXXX  Inq date : XX/XX/XXXX I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, Experian and XXXX and have noted following discrepancies above.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I was notified by XXXX XXXX XXXX XXXX of my Denial status based on the information pulled from Transunion 's Credit profile of me. Upon, reviewing my letter I noticed a discrepancy with the reported Credit Score and My actual Credit score. I asked the XXXX if they could supply me with model of scoring or where this information was obtained. They instructed that I reach out to Transunion to gather that information. 

I as a consumer, know my rights when it comes to knowing what information can be disclosed to me about my credit profile and feel as Transunion is not reporting a real score and credit profile to the lenders that I do business with. 

I called Transunion and spoke to a Representative and Supervisor who both did not disclose to me the information I requested. But continued to insult my intelligence until I informed them, that I have their Credit monitoring service, XXXX XXXX, XXXX XXXX and have recently pulled updated reports. None, of the scoring models they gave me are a reflection of my current score for the last 12 months. I can prove it with screenshots and account information. 

I feel they are violating my rights to a fair credit reporting system to my lenders about what my credit worthiness is accurately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Failure to Provide Proof of Investigation & Unauthorized Account Reporting Dear Credit Bureau Representative, I am writing to formally dispute the reporting of an account by Ally Financial that appears on my credit report with your bureau. This account does not belong to me and is the result of identity theft. Additionally, I was a victim of a data breach, further supporting my claim that this account is fraudulent. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I have the right to request the method of verification used during your investigation. I previously disputed this account, yet you failed to provide documented proof of the investigation process, including the method of verification, date and time of contact, and the specific person or entity you spoke with to verify the account. This failure is a direct violation of my rights under the FCRA.

Since you can not verify this account with legally sufficient evidence, I demand the immediate deletion and permanent blocking of this fraudulent account from my credit file under FCRA 605B.

Please consider this a formal request for reinvestigation and provide the following documentation within 15 days : XXXX. The name, contact information, and title of the person you spoke with at XXXX XXXX to verify the account. 
XXXX. The specific method used to verify the accuracy of this account. 
XXXX. The date and time the investigation took place. 
XXXX. A copy of any documentation provided by XXXX XXXX that allegedly proves this account belongs to me. 

Failure to comply with my request will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I will also explore legal remedies for violations of my rights under the FCRA. 

Please remove and permanently block this fraudulent account immediately and provide me with a new copy of my credit report reflecting this correction. 

I have attached a copy of my government-issued ID, proof of address, and a copy of my FTC Identity Theft Report for verification. 

I expect your prompt compliance with this request. Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND UNACCURATELY PLACED INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  I subscribed to a free trial on XXXX XXXX  through XXXX XXXX. The trial was for 3 days but I cancelled it within 24 hours, so I wouldn't be charged. I was charged immediately. I contacted XXXX XXXX  and I was told I would receive a refund in 10 days. I never received a follow up or refund. I reached out to Google via email, since this appears to be the merchant that charged my card. I never received a reply from Google. I have been getting the run around from XXXX XXXX with no end. Google charged my bank account first and I was able to dispute it and block anymore charges. After this, Google began charging all cards on my account and that's how my XXXX XXXX was charged. I didn't have any money on that account when the unauthorized transaction occured. I don't understand how the payment went through.
Product: Money transfer, virtual currency, or money service

I have zelle payments to a guy who had been scamming me and theres no way to retrieve the stolen funds because they were sent through zelle through my bank i contacted my bank and they said they cant do anything since it was already sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX dollar balance with AMEX/CBNA they have had me showing a balance since XXXX when closed account. But never realized this and its XXXX dollars. 

I just paid this but would like the XXXX dollars removed from my history as delinquent as did not have or was not given notification had this balance. 

There is no reason should have had this on my credit report. Its absolutely erroneous and needs to be removed as negative impact. 


Credit usage 2 % Balance {$8.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO - PAYMENT XXXX XXXX On Time CO Charge off - Data Unavailable
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of your report 15 USC 1681 Section 602 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Debt collection

I have a hospital bill in collections but I never received the bill I 'm trying to build up my credit what can I do to get it out of collections?
Product: Money transfer, virtual currency, or money service

Venmo customer service is failing to timely resolve my request to unfreeze my account and unfreeze {$1400.00} that was in my Venmo account. The {$1400.00} was attempted to be transferred out fraudulently but the account is frozen. Venmo continues to have multiple people contact me and offer the same solution of resetting my pw, but this isnt unlocking my account or access to my funds. This has been going on since XX/XX/XXXX.