23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX XXXX XXXX that started in XX/XX/XXXX. I was a co-signer for my daughter and was unaware of the payment history. When I did find out after someone called me about a repo, I took over the payments as of XX/XX/XXXX when I paid what was owed plus the payment for XX/XX/XXXX. I was told my next payment would be in XXXX. Then in XXXX when I called to make a payment, they advised me that I owed XXXX as well! I had them check their records and it showed that I did pay double in XXXX to cover XXXX however they REFUSED to remove their mistake. Going forward, I paid more than the payment just to get this over with. Sick with XXXX XXXX, I made my last payment in XX/XX/XXXX. While making that payment, the lady couldn't figure out why she couldn't take the whole payment. I sat on the phone while she figured it out and she said that when you start a loan with a credit union, that they start a savings account which had {$5.00} in it. So I'd have to pay everything minus {$1.00} which they would take out of the savings, close that account and send me a check for {$4.00}. I could careless about that {$4.00}, I just wanted this account paid and behind me, I wasn't even looking for that check. However, late XXXX, I get a call from XXXX, saying that I am a month overdue on my payment!! I ask this lady, how is that when it was paid in full last month! This crazy lady said the balance was a {$1.00}! I asked her if she was serious? Who in their right mind would do that? I explained to her what the obviously very new employee did and said the month before and that I was waiting for a {$4.00} check as well as the title to the car. I was THEN informed that I need to write a letter stating that I no longer wanted the savings account and that then they would take the dollar and close the account. It needed to be hand written and have my signature and then emailed over. I did that AS SOON as I hung up and it was fixed. NO FAULT OF MINES that the first lady didn't know what she was doing and then they refused to take off the late payment on my report for XXXX on XXXX and Equifax, it was fixed before hitting Transition.
Product: Credit reporting, credit repair services, or other personal consumer reports

chase stated that they will remove all fraudulent hard inquiries from my credit reports dated XX/XX/2017, XX/XX/2017 and XX/XX/2017. these inquiries are still reflecting on my XXXX  report. Chase sent me a letter in XXXX stating that the inquiries would be removed but have not done so.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017, I got an email from PayPal requesting a copy of my social security card, and my IRS information. I uploaded my XXXX form and a copy of my driver license. However, my XXXX only show the last four digits of my social security number. I thought I would at least get an email from PayPal informing me of the issues before the decided to place a limitation on my account. I contacted the customer service but I could get any answer from them. All I was told to get in a contact with compliance department using the email address from the email sent on XXXX XXXX. I have not received any answer from them and I believe they are imposing on my right. I have not been able to access my money to pay my bills. Please help.
Product: Credit reporting

Experian IS REPORTING CREDIT INQUIRIES THAT SHOULD BE REMOVED AFTER XXXX YEARS, THESE INQUIRIES ARE AFFECTING MY CREDIT SCORE AS I WOULD LIKE TO BUILD MY CREDIT. REMOVE ALL INQUIRIES FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, there are items and my TransUnion and XXXX  that needs to be removed. On XXXX  the items was deleted I have provided supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$140000.00} XXXX  XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$12000.00} XXXX XXXX XXXX   XXXX {$11000.00} XXXX XXXX  XXXX {$130000.00} XXXX XXXX  XXXX {$7500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX {$280000.00} XXXX XXXX {$1000.00} XXXX   XXXX {$3300.00} XXXX  XXXX {$1300.00} XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$140000.00} XXXX XXXX XXXX XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX   XXXX {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

By law By FCRA I have a right to know who the furnisher of information is when reporting information on my credit report. Please READ section 611 of the FCRA. I am only asking what the law states. You are saying I filed bankruptcy in 2016 I ask several times who is the furnisher of information so I can get this corrected. You refused to tell me just ignored and sent repeated letters saying verified. WHO VERIFIED? WHAT IS YOUR METHOD OF VERIFICATION? MORE IMPORTANTLY WHO IS THE FURNISHER OF INFORMATION ON THIS BANKRUPTCY 2016. You then finally answer and said the courts was the furnisher, gave me there information and stated if I have questions contact them. Well I went down there and wrote letters. THE COURTS SAID YOU LIED!!. They said they are not the funisher of information and did not give you bankruptcy information on me. The Bankruptcy court went and sent me not 1 but 2 certified letters stating this and much more proving they are not the furnisher. PLEASE SEE EVIDENCE!! PLEASE. Please Delete this unverified Bankruptcy. I pressed you for the truth sent repeated letters trying to get this so called funisher of information on this Bankruptcy contact information that the law allows since you refuse to tell me. PLEASE DELETE! Delete this unverified bankruptcy. After several letters and loss of weight and sickness this has caused me you sent a letter now claiming XXXX XXXX is the furnisher of information. Now here again you are not telling me the truth. I contact XXXX XXXX they then sent me several documentation refuting your story. I have not 1 but 2 letters form XXXX XXXX stating they tried to contact you to get this matter cleared up as this has put me in and out of the hospital repeatedly, I have XXXX XXXX and fell into deep XXXX over this, I am trying to deal with this unlawful activity you are doing against me. I have documentation from XXXX XXXX stating they have 0 bankruptcy filings on me. What is more XXXX  conducted there investigation and saw they were reporting in error contacted XXXX XXXX and did the right thing and deleted. SEE EVIDENCE!! PLEASE LOOK AT THE EVIDENCE PLEASE!! I have enclosed other documentation showing and proofing my case. XXXX CONDUCTED INVESTIGATION AND SAID THEY HAVE NO RECORD OF ME EVER FILING BANKRUPTCY!! Please DELETE this unverified Bankruptcy at once. 
I have included letter from my Attorney as we are prepared to file a federal lawsuit as you are in violation of THE FCRA. 
I am not asking for a free handout. Just look at the overwhelming evidence do the right thing and DELETE THIS UNVERIFIED BANKRUPTCY. Please do the right thing. 

WHO VERIFIED? WHAT WAS YOUR METHOD OF VERIFICATION? WHO IS THE FURNISHER OF INFORMATION?? 
PLEASE DELETE DELETE DELETE DELETE DELETE before we got through on this federal lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : Dept. Ed XXXX. Account Number XXXX ( both accounts ) Account Name : Dept. Ed XXXX. Account Number XXXX ( both accounts ) Violation Reported : missing reporting payment dates. 
Violation Reported : reporting dates states OK, to 90 days, to OK days late.

Violation Reported : account datesXX/XX/XXXX, 90 days late.

Violation Reported : account dates, XX/XX/XXXX, no reporting.

Violation Reported : account datesXX/XX/XXXX no reporting.

Violation Reported : account dates XX/XX/XXXX no reporting.
Product: Credit card or prepaid card

Over {$200.00} was taken from bank account to pay my monthly payment which I have provided proof of payment to all three credit reporting agencys an the reporting agency Barclay. I have been communicating since XX/XX/2022 two conversations with the President of Barclays. I sent multiple emails to every tear of the company. During Covid I got a deferral I did what I was told made my payments. On a recorded line they said my payment was accounted for someone had to back log an manually account my payment since the system processed the other payment in the next billing cycle therefore it was not applied an the system counted it as missed when it was payed within the 30 day bill cycle! This action has caused harm to my credit therefore Im unable to apply for loans / financing for my businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  reference # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I was enrolled in a Targeted Citi Offer to open a new Citi Tiered Bonus Checking Offer. 
There was a bonus incentive tied to meeting the requirements, which resulted in a {$500.00} bonus. 
I completed all requirements, but the bank only paid out a {$400.00} bonus. Efforts to resolve this with the bank have been unsuccessful. 
( Terms Attached )
Product: Credit card or prepaid card

On XX/XX/2022 I started receiving a XXXX XXXX XXXX of {$44.00} from Capitol one. I noticed the fees on XX/XX/2022. They were charged again in XXXX and XXXX. I called Capitol one to dispute on XX/XX/XXXX and was assisted by a rep. He advised me the was nothing he can due to reverse the charges as directed by his supervisor. He was very compassionate and apologetic as he explained, it was my issue. This began with the website " XXXX '' they offered 2 options Send Money and BILL PAY. I have been paying a bill through this system for years. A tab presented " pay with credit card '', recently. Again, this BILL PAY. The fee is {$3.00}. I paid through my credit card as of XXXX Capitol One added fees without any acknowledgment stating it was a cash advance. It was not. they also recited info on there disqualifications with fees and bill pay was not n that list. They refused to reimburse my fees. This is deceptive to the consumer.
Product: Checking or savings account

i have a XXXX account and i wanted to pay the lifetime premium is a one time fee of {$80.00} with XXXX processing fee this time so {$85.00} all together. in the pass I've done the basic monthly XXXX with a processing fee of XXXX with no problem.. but this time i tried paying the did 3 transactions. 2 of those transaction denied due to high amount and flagged as fraud and the 3rd one went threw ( i have proof ). i tried logging in to my XXXX account and its telling me to make a payment. i went to my email and found the confirmation email that the payment went threw. i reached out to XXXX where the confirmation came from for XXXX  told me it expired and to reach out to XXXX  and my back ( cash app ) so i did and XXXX  support told me that the transaction was denied and to wait 24 before i tried it again. i then reach out to cash app and did a dispute the fist time was before i reached out to to XXXX  an the second was after i reached out and they responded to me email.. so i tried it again and send a new depute with new documents proving my claims. cash app denied my depute twice when i have my prove that they never received the payment. so not i just got the email for cash app saying they denied my dispute again with updated documents proving my claim. and now im here
Product: Debt collection

Since XX/XX/2019, I have been trying to receive verification of debt from Portfolio Recovery Associates, LLC. All request have been sent registered mail with signature returned. The account that PRA is trying to collect is listed as my legal name and a unknown company name. After repeated request PRA has failed to produce any documents with any signature 's or legal binding information and refuses to close account and remove from all 3 credit reporting agencies. Also have disputed with all 3 major credit bureaus and not one has been able to provide proof of debt from PRA but have failed to remove as well.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX XXXX  since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit card

XXXX {$75.00} XXXX {$310.00} I have tried to redeem my reward points towards my statement balance at first the amount I redeemed gets decreased from my bill then right after they charge me the same amount that I tried to redeem. 

I have reached out to Synchrony Bank multiple times spoke to different agents as well as supervisors and they were no help at all it took me days to explain to them the issue until they finally realized what happened and then I filed a dispute which they investigated and declined my request. 

there are more incidents before these dates above but these are the ones that caught my attention and how I found out they have been doing this to me all this time
Product: Checking or savings account

XX/XX/XXXX my account was closed. 
XX/XX/XXXX I requested the remaining total of the account which is XXXX be released immediately. Capital One representatives said the funds will be released when their " investigation '' ends.
Product: Mortgage

In early XXXX of 2020, we called Carrington Mortgage and requested a CARES Act forbearance on our FHA mortgage loan. We were told that it was granted for 3 months, and the Carrington employee then cancelled the automatic payment that we had set up. The Carrington employee also told us that we would be able to move the missed payments to the end of the loan, and that the mortgage loan term would be extended accordingly. 

Despite this XXXX conversation with Carrington, we received a " Notice of Intent to Foreclose, '' dated XX/XX/2020 from Carrington. We understand this to be a direct violation of the CARES Act. We want to make sure the Carrington Mortgage complies with the CARES Act, and does not take any action to harm our credit scores or to foreclose on our property.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile below. 
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified with out the original document supporting the verified account.

It is also my understanding that under the FRCA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely Deleted. 

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise NOT PROVEN COMPLIANT to regulatory Federal reporting laws and or standards and MUST be removed immediately the infractions are as follows : Address : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Violation : FRCA USC1681 Accounts : XXXX XXXX XXXX XXXX Violation : FRCA USC1681 XXXX XXXX XXXX XXXX Violation : FRCA USC1681 XXXX XXXX XXXX XXXX Violation : FRCA USC1681 Collections : XXXX XXXX XXXX XXXX Violation : FRCA USC1692 Consumer Collection XXXX Violation : FRCA USC1692 XXXX XXXX Adjust XXXX Violation : FRCA USC1692 By the provisions of the FRCA ACT and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I demand thatches above mentioned derogatory items be investigated and permanently REMOVED FROM CREDIT REPORT. 

Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience. 

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

XXXX is reporting incorrectly to Transunion a repossession with a current balance due of {$17000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I returned the vehicle to the dealership within the time allotted under the Lemon Law. The vehicle had stopped running and the representative that I spoke with at the dealership assured me that the dealership would cover the costs for repairing the vehicle. I was never notified if/when the vehicle would be repaired and consequently I never regained possession of the vehicle from the dealership. The vehicle was then later sold at auction and was sold for more than what was owed. This account needs to report a {$0.00} balance and the coding regarding a repossession needs to be removed. There is no outstanding balance on this account. This false reporting of a repossession is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX bank, XXXX XXXX XXXX, and other miscellaneous inquires has fraudulent accounts on my credit profile that need to be moved immediately.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with Equifax, XXXX XXXX XXXXXXXX regarding inaccurate information ( XXXX -Equifax XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX. Unfortunately, despite filing my initial dispute last Month and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : 1. Copies of my credit reports 2. Copies of my dispute letters 3. Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

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

In XX/XX/XXXX I was trying to purchase a home and found out that a Mortgage and HELOC account I had with XXXX XXXX was being reported as discharged in Bankruptcy that was finalized in XX/XX/XXXX. 

However, we had reaffirmed the Debt in our Bankruptcy, continued making payments on the Mortgage and HELOC and sold the home in XX/XX/XXXX, so it could not possibly have been discharged almost 2 years before it was sold by us! 


In spite of this I have tried to get XXXX XXXX to correct and they have refused. I have filed a complain with all three credit agencies and they each said that they conferred with the bank and the bank confirmed that what they are reporting is accurate. I attached all of our payment history for the mortgage and HELOC which shows the payments being made through XX/XX/XXXX, but this was ignored.
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. 

Account : XXXX XXXX XXXX Account : XXXX XXXX Account XXXX XXXX  XXXX Account : XXXX XXXX XXXXXXXX, 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 that consumer reporting reporting agency can not furnish a account without mu written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate accountsin my file. 
XXXX XXXXXXXX XXXX