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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N XXXX Balance : {$1700.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and a collection from Portfolio Services appeared for {$1300.00}. By law and according to the FCRA, I should have received a notice in the mail for a debt validation and have 30 days to receive validation of the debt that they say I owe them. I have no signed contract with this collection agency, nor do they have anything bearing my signature. If this is not deleted, I will file a lawsuit with my local court. This should be deleted immediately
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX CREAT REPORTED REFUSE MAKES NESSARY CHANGES DONE ON MY CREDIT REPORT .EFFECT SCORES RATIN HAD. DECREASED HORRIBLY. Denied FOR ANY LINE CREDIT.XXXX COMPlAINTS CFBP ( .1 ) COMPLAINT NOCHANGES. 2 NOCHANGES SHOWN.WHILE MAKE ON TIME PAYMENTS. CONNECTS credit bureau devices BANK CARD. 
REPORTING HAS GOTTEN WORSE? Questions is it done PURPOSE du prior complaints GLANCING in. SYSTEM l AM. XXXX XXXX XXXX UNITED STATES VETERAN, WHOM FOUGHT FOR OUR Country BESIDES ONCE WERE EMPLO besides. RETRIED VETERANS AFFAIRS REFUSED FOR HOME LOAN. I HAVE PAID COMPANIES CALLED XXXXXXXX XXXX XXXX XXXX XXXX XXXX  WHOM BOTH states CREDIT BUEAU COMPANIES. COMPANIES REPORT information these comp has listed on my credit report don't match.consumers incorrectly XXXX XXXX Experian request information When you provide these companies information. still no charges done on my file. 
This matter has gotten bad. Veterans affairs. Decide resents send letters contacted Government. Due to me once was veteran entire life given fighting for our country refused credit due to reports record government requirements listed score has reached XXXX better My scores barely report XXXX l have applied XXXX denied barely move into apartment. I no there is mistakes done on my credit report what happened to FRA. Does it resist .l have ran disputes to credit bureau when ever decision. Made the account be removed out nowhere shown account was replaced. Showin twice. Including these collections complanies who also trying to collect. government has sent letters out to my behalf these companies requesting STOP reporting. Info how to Handle situation. Judge signing off on it. Decision. What reason for fraud alerts nor disputes? Thur to later decision has been changed. Notice company called XXXX XXXX. This account was placed XXXX. Showin correcty no late payments .the account was settled payoff. Earlier then request .credit report companies has it showin reporting. Late. Due to co-signer. Investi matter. My account was changed without me bein contact.. Now Shown on my XX/XX/XXXX. Notice before this account was bein report but wasn't graded correctly? No late payments on time XXXX company Called XXXX XXXX XXXX XXXX This account XXXX. Years no late payments made on time. instead it reported grade it report late errors XXXX. This account l have documents. Company provided stated only tif error shown due to murchandie. Bein paid off my account refinancing Company 's called ( web bank ) listed two three times shown on my credit report including collections. I have police report. This is not my account. companies stated the incorrect information provided credit bureau provided to them only information they have other wise they don't have accurate information. Shown on my account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX ( Account Number:XXXX Balance Owed : {$16000.00} Date Opened : XX/XX/2020 ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
XXXX XXXX XXXXXXXX Balance : {$16000.00}.
Product: Debt collection

I received a letter in the mail to collect a debt from a collection agency ( Dynamic Recovery Solutions ) dated XX/XX/XXXX, however, I did not receive it until XX/XX/XXXX. 

The debt is from XXXX XXXX XXXX, XXXX for {$2000.00}. I never once received a medical bill from XXXX XXXX XXXX XXXXXXXX regarding said debt nor do I recall visiting a facility that is in connection with XXXX XXXX XXXX XXXX. 

When I contacted the collection agency ( Dynamic Recovery Solutions ) on XX/XX/XXXX, I advised them to send me an itemized statement showing me what the debt was for and which XXXX XXXX XXXX XXXX XXXX XXXX sent the bill to collections. There are multiple XXXX XXXX XXXX, LLPs. I received a response from the collection agency on XX/XX/XXXX. The collection agency could not provide me with any of the requested information. Instead, they just told me that it was from service on XX/XX/XXXX. This also doesn't make sense as to why I NEVER once received a bill from service on XX/XX/XXXX from XXXX XXXX XXXX XXXX and why I would just now, 4 years later be receiving a collections notice regarding a bill that I never once received or knew existed. 

I am refusing to pay said debt considering I never once received a medical bill from XXXX XXXX XXXXXXXX for the service date of XX/XX/XXXX. Not to mention, even if this was an actual medical bill I had received, there is no way my insurance wouldn't have covered a vast majority of the cost. I have never had a medical bill over {$500.00}. 

So please, I am requested to not pay this debt. 

Thank you!
Product: Credit reporting or other personal consumer reports

After going through my credit report, I noticed multiple discrepancies, specifically late payments that don't reflect my consistent payment habits.
Product: Mortgage

Yesterday XX/XX/21 stating that our Escrow account was deficient in the amount of {$3200.00}. No one seems to be able to explain this shortfall to us. I have confirmed that our property taxes have not increased by more than {$350.00} dollars annually and our homeowners insurance has also not increased. When I spoke with the company " XXXX '' who services our loan from TIAA Bank, they stated that our property tax appears to have increased by about {$32.00} per month. I tried today to call TIAA bank as XXXX stated that they simply service our loan and these types of issues would need to be clarified by the bank. TIAA bank had answered my call and then placed me on hold for 2 hours 48 minutes before my call was disconnected. We have never missed a payment, they have never been a day late. We have auto payment setup to withdraw the funds on the 1st business day of the month. I need someone from TIAA bank to explain what happened and why this money is owed before we pay it. It just does not seem right that we can not get a satisfactory explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Equifax are reporting a XXXX XXXX  account showing incorrect info. Never have I had an account with them. 
XXXX {$510.00}
Product: Credit card or prepaid card

I have been denied a refund on a purchase by XXXX. The purchase was made in XXXX for a concert in XXXX. We were emailed by XXXX that we would receive a refund as the main performer wasn't appearing. We did not attend and our tickets weren't scanned. XXXX ignored my repeated emails until yesterday, XXXX XXXX. At that time, they said they escalated my request. Today, they denied it and said there was a XX/XX/2022 deadline to get a refund. That was never conveyed to us at any time. Now it is too late under BofA 's guidelines to dispute the transaction.
Product: Credit reporting or other personal consumer reports

I looked on my credit reports equifax, XXXX, XXXX and seen I had an account from XXXX XXXX for XXXX account number XXXX it was open XX/XX/year> I never opened up a credit card with them. I never lived at the address listed I sent my attached documents showing my address I been living at last XXXX years.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2500.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX : Balance : {$180.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX : Balance : {$88.00} Account Name : XXXX : Account Number : XXXX : Balance : {$920.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$830.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$10000.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX  / XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$11000.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$15000.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$24000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$81.00} Unauthorized Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Through out XX/XX/2022, my best buy citibank credit card was fraudulent used for about {$3000.00}. I called best buy citibank to dispute transaction and reissue a new card for the first time. Before receiving the new card in the mail, someone already activated the new card and made purchase with it. The same thing happen 3 times, so I ended up demanding to close my credit card. Even after the request, I still see best buy allowing the theft to continue to open credit cards under my name. I have now XXXX credit card under my name, with XXXX reported lost or stolen and XXXX accounts remaining active. Bestbuy citibank fails horribly in protecting their customer 's from fraudulent transaction and identify theft activities. Now I have to fight with the credit bureau for these credit pull records which heavily bring down my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hello to whom it may concern, I have a credit inquiry reported from Cross Country Mortgage on XXXX that is inaccurate and with any written or verbal consent. I've tried multiple times to remove it with XXXX this year but this is the first time they direct me to you. I have XXXX relationship with cross country mortgage, never filled out any applications with them or phone calls, I don't have a home. This is in violation of consumer rights within Protection of Nonpublic Personal Information 15 U.S CODE 6801 which protects against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. I did not give any verbal or written consent or application to Cross Country Mortgage. 

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

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the listed account from my file. 
XXXX XXXX XXXX : {$10000.00}.
Product: Vehicle loan or lease

My name is XXXX XXXX I purchased my vehicle in XXXX of last year. I had a car by American car center and realized my contract was different I stop paying the car note. Now my vehicle got repossessed by Westlake portfolio I want to call the credit bureau to get my credit removed of the account
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/XXXX, at around XXXX PST I entered the Chase Bank at the address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX 

For some context, I have been banking with Chase since at least XXXX, and Im a person of XXXX on the XXXX XXXX. The incident Im complaining about is the second time something of this nature has happened to me since Ive moved to XXXX XXXX about a month ago. 

Just before walking in on XX/XX/XXXX, I could see the security guard through the glass doors eyeing me intensely. I was with my partner, and she had noticed the same. As soon as I had entered, this security guard approached me and was clearly suspicious of me. 

He stepped in front of me, as to block me from proceeding to the tellers, and asked me what I was there for. Shocked, I mentioned that I was there to withdraw cash. He insisted I use the ATM machines at the front of the bank. I complied. 

Shortly after trying to withdraw cash from the ATM machine, which was challenging to use, I noticed a white woman enter the bank. The security guard was very friendly and hospitable with her, in contrast how I was treated. 

As it was now clear to me that I was being discriminated against, I asked the security guard if I could see the tellers to help me withdraw the cash as using the ATM was too much of a challenge. I voiced my concern that this was the second time Ive now been treated poorly and with such suspicion in their bank. I was then allowed to see the tellers and resume withdrawing cash. 

I intended to call and follow up with this particular Chase Bank immediately after the incident, however, my partner and I have been beyond busy with preparing for a trip internationally. Therefore, I did not have any time to follow up and write a complaint letter to Chase Bank. In addition, being on the XXXX XXXX, I require the accommodation of additional time with my communications, and have been acting as promptly as I possibly can to complain to Chase Bank. I had left written complaints on their XXXX page and on XXXX, and have not since heard any response to those. 

Dealing with the discrimination, intimidation, and aggression from the security guard was highly stressful to me and was not justifiable. I am requesting a formal apology from this bank, and corrective action be taken towards the security guard who worked at that time and date at that bank.
Product: Credit reporting

TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score has suffered as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/2019, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX  with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Product: Mortgage

Complaint on Wells Fargo BankI caution anyone attempting using Wells Fargo Bank for a home loan or applying for modification! After a family hardship and falling behind on my payments, I started seeking a loan modification from Wells Fargo Bank, starting over two years ago. In this past year I was denied XXXX complete times, getting XXXX complete different reasons after each appeal. My first denial I was told by Wells Fargo I owned a company and made too much money. ( I have never owned a company in my life. ) The second denial was because I did n't make enough money. ( I know by the guidelines I do. ) Then I got denied once again because I have equity in the home. While speaking with Wells Fargo employee two days ago, they came up with another reason stating, " It is a interest bearing loan '' and " The loan is too far behind for modification ''. I have also been told by Wells Fargo employees such statements as " If your modification comes across my desk again, I 'm not dealing with it ''. Another statement by a Wells Fargo employee was, " That its important that I make my house payments or I would not be in this position ''. I feel these statements were very inappropriate! I feel that if Wells Fargo would of been legitimate this modification could of been done a year ago. Now I have a sell date on my home on XXXX/XXXX/2015. I am meeting with lawyers on XXXX/XXXX/2015 to see where I can take this. I 'm not asking to live anywhere for free. I just want to get back to making my payments and keeping my family in my home.
Product: Checking or savings account

On  XXXX   XXXX ,  XXXX  my Navy Fe deral Credit Union checking account was closed due to check fraud. I advised Navy FCU I had been an victim of identity theft. Navy FCU n ever advised me of any additional steps to take to revive my checking account. I recently filed bankruptcy chapter  XXXX  and on  XXXX   XXXX ,  XXXX  my chapter  XXXX   discharged. I sent Navy FCU an appeals letter along with proof of bankruptcy and identity theft. I would love to establish a new relationship with Navy FCU.
Product: Debt collection

FIRST! THIS SYSTEM IS NOT ALLOWING ME TO UPDATE MY NAME -- IT IS XXXX XXXX! 

XXXX XXXX AND SOME CRIMINAL COMPANY BY THE NAME OF " AFFIRM '' CONTINUE TO HARASS ME TO PAY A DEBT AMOUNT THAT IS INCORRECT! BUT SINCE XXXX AND THIS COMPANY DO NOT ALLOW YOU TO SPEAK TO PEOPLE IN THE UNITED STATES WHO UNDERSTAND XXXX PROPERLY THIS IS NOW A NIGHTMARE. IN SHORT, I BOUGHT XXXX ( XXXX ) ITEMS LAST XXXX FROM XXXX XXXX I OPTED TO USE A PAYMENT SERVICE CALLED AFFIRM. THE TOTAL PURCHASE WAS {$360.00} FOR THESE XXXX ITEMS. 
- ON TOTALED {$270.00} + TAX ( TREE ) - THE OTHER TOTALED {$59.00} + TAX ( WREATH ) PLEASE NOTE THE WREATH WAS RETURNED AND XXXX ISSUED A CREDIT. HOWEVER, THESE JERKS AT AFFIRM ARE TRYING TO EXTORT OVER {$600.00}!!!! FROM ME CLAIMING THAT XXXX TOLD THEM THAT IS WHAT I OWE. 
THIS IS AN OUTRAGE AND BOTH XXXX AND AFFIRM SHOULD BE INVESTIGATED. 
I HAVE PROVIDED THE EVIDENCE OF THE TRANSACTION ONLY TO BE IGNORED!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balanced {$0.00} XXXXXXXX XXXX XXXX Balanced {$0.00}
Product: Money transfer, virtual currency, or money service

Hello, I am writing to formally express my concerns regarding Zelles handing of disputes, partially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable behavior and raises serious concerns about consumer safety.
Product: Mortgage

My mortgage servicer, Shellpoint, has not paid my property taxes. They were due in XXXX with a final due date of XX/XX/XXXX. They have still not paid my property taxes, which are now delinquent. If they are not paid by XX/XX/XXXX, my house will be sold at a tax auction. My escrow account is properly funded with enough money to more than cover my property taxes. It is nearly impossible to get them on the phone and even then they are not helpful.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate late payment information on my credit report for the following account : [ Late payments XXXX XXXX ], [ XXXX ]. The late payment ( s ) reported are incorrect, and I believe the information is incomplete and inaccurate. I request a full investigation to verify that the account is reported correctly, including the payment history, dates, and balances. I also request proof of the alleged late payments, including statements and payment transaction records from the creditor that would show the payments were not made on time. If such proof can not be provided, I ask that my payment history be updated to Paid As Agreed, Never Late ( PAANL ) status, as required by consumer protection laws.