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

XXXX XXXX provided me with a truck loan, loan XXXX. Theyre incorrectly reporting me 30 days late for XX/XX/2024 to Experian and XXXX XXXX XXXX already got my dispute and correctly removed the 30 day late. What happened was for XX/XX/2024 I made the payment on the XXXX day which was a Sunday, and since theyre closed on Sunday companies under proper credit reporting guidelines are supposed to give the payment until XXXX the following business day to post. My payment was not over 30 days late, it was made on the XXXX day, making it not over 30 days, which XXXX correctly reported. This incorrect 30 day late on XXXX and Experian is causing me to not be about to close on a home mortgage for my family. Ive never paid 30 days late on any account on my life, and this error is harming me and my family severely. XXXX XXXX is incorrectly refusing to remove the 30 day late with XXXX And Experian. Im attaching a copy of XXXX removal of the 30 day later from XX/XX/2024 reporting.
Product: Credit card or prepaid card

I ordered an item on XXXX  on XX/XX/18 in the amount of {$58.00}. I did not receive the item so I contacted my credit card company Avant. I explained the situation and sent over the invoice when I filed the dispute. They said they would take care of it but that was the opposite of what they did! I tried calling 30 days after the dispute as I had not received anything in the mail or heard from anyone. They just told me they are still working on it to give them more time. I finally got a letter from XXXX in the investiagation department on XX/XX/18 asking for more information I sent her a copy of the invoice from XXXX. However, she would never answer her phone or return any of my phone calls. I called Avant customer service i spoke with the manager XXXX on XX/XX/18, XX/XX/18 and XX/XX/18 in which she sent a notification to XXXX and promise to follow up with me each conservation which she never did. I had to keep calling her and on XX/XX/18 I sent her another copy of the invoice from XXXX which she said she forwarded it to XXXX again with another notification. XXXX said I should hear from herself or XXXX within in a few days. I still to date have not heard anything and no one will contact me back. I am now being charged for the interest and the amount of the purchase when I never received the item.
Product: Debt collection

XX/XX/XXXX Received a letter from Malcolm S. Gerald and Associates , Inc. stating that I owed a balance of {$10.00} to XXXX XXXX XXXX. My wife went to the doctor office and showed the letter. They looked into the system and found the invoice and she paid it. 
XX/XX/XXXX Received a voice message from Malcolm S. Gerald and Associates asking to call back. My wife called and told them the invoice had been paid. They asked to fax receipt of payment, which she did fax the same day. She also called XXXX XXXX Department and they sent the updated information to XXXX. 
XX/XX/XXXX My wife called Malcolm to check if they received the fax. They did but refuse to close the account because they have not received any payment from XXXX and that payment made was applied to a different invoice. She then called Advocate to ask why they haven't sent any payment to Malcolm and they said they don't have to pay anything to Malcolm and that I do not owed anything to them since I paid the balance of the only outstanding invoice I had with them. I do not know what else to do. This issue is affecting my credit report.
Product: Debt collection

I have some outstanding past due medical bills that have gone to a collections agency. I have an answering machine on my land line phone. I have a generic outgoing message on the machine that states no one is able to answer the call and does not mention any names. Today, I found a message on the machine that claimed to be from the collections agency. The incoming message stated that it was for me, by name, and that anyone else should immediately hang up. The message then went on to explain the nature of the call was to collect a debt and gave the name of the agent and that of the agency and their telephone number. I have a girlfriend that spends several days at my house at a time and the answering machine is in the living room, where she can hear both the outgoing message and the incoming messages. 

The message is saved on the answering machine, with no direct way to save it as a computer audio file. I may be able to play it back and capture the speaker output to a voice recorder that generates XXXX files that can then be copied to my computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX trans union and XXXX  are validated my disputes with out investing
Product: Credit reporting or other personal consumer reports

I am a victim of multiple data breaches, and some items on the XXXX credit reporting agencies are inaccurate.
Product: Credit reporting or other personal consumer reports

ALL CREDIT REPORTING AGENCIES MUST UPDATE THIS ACCOUNT AS PAID AND To REFLECT ON CREDIT REPORT WITH NO NEGATIVE REMARKS AND TO BE PLACED IN CATEGORY OF REFLECTION THAT SHOWS POSITIVE RESPONSIBLE REFLECTION IN POSITIVE REMARKSTO BE COMPLETELY DELETED OFF REPORT WITH NO LINGERING OR REMAINING HISTORY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration with the ongoing issue regarding the collection accounts on my credit report. Despite my repeated attempts to resolve this matter, the inaccurate information persists. This not only reflects poorly on your organization 's credibility but also violates my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Sent a letter about a month ago to XXXX, XXXX, and Experian and in which it was supposed to be 4 business days uhm per 15 1681c-2 the items that were sent to the companys were supposed to be blocked also the items were sent was supposed to be removed
Product: Prepaid card

I received the gift card as a birthday gift on Saturday, I attempted to use the card on Sunday evening in the amounts of {$84.00} & {$14.00}, both were declined. 

I then attempted to get fuel for {$45.00} and that was declined. 

I called the company informing them of the issues I was having and they informed me that there were restrictions on the card and where they could be used at. I stated that information in no where on the card nor the packaging for the card. 

I asked them if they had a list or somewhere where I could see the list and they stated that they did not have one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, part of the XXXX corporate company, is refusing to remove an incorrect account from mine and my XXXX XXXX  credit reports. We have filed XXXX disputes with each credit reporting agency in 18 months and XXXX XXXX to admit the discrepancies and incorrect information. The debt we owed was satisfactorily paid in full in XXXX XXXX and paid directly to XXXX XXXX. This debt, after it was paid, was reported as a derogatory " Other Loans '' account on all XXXX of our credit reports for both of us. This account & debt was never a loan of any type nor did we sign any documents or contracts that said the account was a loan. Also, I have provided ample documentation and information to XXXX in these disputes that I was only the authorized user on the account and that my husband was the main account holder. The original XXXX account was opened in XXXX, XXXX entire year prior to meeting my husband for the first time. I was added to the account as an authorized user in Fall XXXX ; therefore, at minimum this account should be removed from my XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

Citibank fraudulently closed case # XXXX by claiming a third party was involved. They new I filed the complaint, all details matched me as their customer except that I did use a different email address for the CFPB. I called citibank and I was told that they had already responded to the complaints and that they did not need my authorization. They knew about the complaints ahead of time and I have multiple recorded calls to verify that. I have recorded calls : 1 : Saying that an email address is not something used to verify the account 2 : No follow up is needed and they replied to the CFPB which is not true
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern I am writing because the 3 major bureaus on several occasions have yet to properly investigate the negative and inaccurate information on my credit report. By law the bureaus must adhere to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) The major bureaus have continued to report negative information, addresses, and accounts without providing legal proof that the debt is valid. I am requesting a investigation by the CFPB to remove all inaccurate information. 

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, Experian or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

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

15 U.S.Code 1681 A paragraph 2 Titled exclusions sub Chapter A9 transactions are not included in the consumer report. A late payment even through its a negative payment is a form of transactional history. Therefore it is a form of transaction. So late payments reported to your consumer report violates this law of Fair Credit Reporting Act. 
XXXX XXXX accounts reporting XXXX XXXX Account Equifax XXXX account reporting XXXX  XXXX accounts reporting which in turns violates 15 U.S Code 1681 A paragraph 2 Titled
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My mother had a checking account and two savings accounts with Bank of America. When she died, my brother informed the bank and provided a copy of the death certificate. Each account had a payable on death beneficiary. The bank 's initial response to my brother ( who had held power of attorney prior to my mother 's death ), was that they would " reach out to each of the beneficiaries. When none of us received any word from B of A, my brother again inquired and was told we needed to provide court documents that are unnecessary, as all my mother 's assets were available as non-probate transfer. I went to a local B of A banking center, where, after an hour and a phone call by the associate to corporate that was transferred from one person to another, I was finally given forms that needed to be completed, notarized, and returned to the bank. When I returned my form today, a different associate indicated that what I had been given was not the complete form, but did not indicate what was missing. She also insisted that my brother her call her ( my brother lives in XXXX, while I am in XXXX of which my mother was also a resident ), but refused to say why he needed to call. When he called, he could not speak to her and left his phone number, but did not receive a return call. We are very frustrated with the length of time it is taking to close out these accounts and access the funds, which we need to pay my mother 's final expenses.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  I sent 3 letters to the 3 credit bureaus to report a few accounts that I believe are a result of identity theft, two of the credit bureaus have not complied with blocking the information on my credit report.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX Previous Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Collection/Charge Off XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$28000.00} Late Payment XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion - Tied to an open account ( Auto Loan )
Product: Credit card

I was sent an Avant cc, I never called to activate the card, I've never used the card and they keep sending me emails that I have overdue balance and has even been sent to my credit report. On the phone they tell me it's resolved as fraud, yet the balance keeps going up. I've asked them to close this fraudulent account and they keep sending me new cards, none of which I've activated or will ever use. They are a very fraudulent company and no one is talking care of my problem. I've never used any card period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been fraudulently reporting that my student loans have been increasing, causing my score to continue to fall. 
I have been in a repayment contract with XXXX for the last 12 months from XX/XX/XXXX to XX/XX/XXXX. 
I noticed in XXXX that TU reported my loans interest had increased. Then again in XXXX they reported an increase. Both times docking g my credit score for a total of XXXX points. However I have paperwork showing no increase. I contacted XXXX and they replies that they d is not report any increases and sent a letter stating this. I told Transunion amd they did nothing. I submitted the letter along with monthly statements XXXX asked for those points to be reversed. I was told Transunion does not control that number and there was nothing they could do. I tried to file a dispute but I am told that the dispute feature is down every time I try. 
I spoke to the transunion support dept and was told they would file disputes on my behalf, I have the chat log still, they never filed. I currently have no open disputes, when I attempt to file a dispute I am told the system is down or they are having difficulties to try later. Screenshot attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XX/XX/2020, andXX/XX/2020, I have sent Transunion multiple dispute letters via the U.S Postal service disputing information on my credit report that is incomplete, and injurious. I have never received any correspondence from Transunion pertaining to my disputes that I have sent. No results of any investigation ever being done. This information reported on my credit by Transunion does not meet FCRA requirements. XXXX XXXX, is no longer in business and their portfolio was acquired by XXXX XXXX. XXXX XXXX has indicated in a letter faxed to me that the account is PAID and with a {$0.00} balance. Payment history is inconsistent, payment status shows the account is 120 days late when the account is closed with a {$0.00} balance, the date in which the account was first opened is inaccurate, date last active and date of last payment is incomplete. This entire account is in violation of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I tired to attach my banking account ( PNC ) to my XXXX XXXX trading account. Apparently PNC has made changes that have prevented me from using them to fund my XXXX XXXX account. I do not fully understand why PNC bank would do this, but i think it is wrong. I should be able to put my money wherever I want. Please help.
Product: Money transfer, virtual currency, or money service

License ( this was an attachment to my XXXX application last week ) Money seems stuck in Compliance. I made an error wiring {$10000.00} ( it is on statement as XX/XX/XXXX ) to my closest friend. Im retired now, following a XXXX XXXX, but worked as an XXXX XXXX XXXX and XXXX  ; XXXX  still does. He has an XXXX  visa, but he is a XXXX XXXX  and spends much of his time in XXXX. We became good friends on the XXXX XXXX XXXX XXXX.

My bank, Chase, gives me Private Client status, so the officer in any branch helps me as needed. Rather than send the wire from my usual branch, I went to the one closest to me since I moved two years ago. I look rather pitiful with a XXXX and bad XXXX, but for me the worst thing is the XXXX XXXX in my XXXX. The Private Client officer there told me, when I asked, that I could use my friend 's XXXX address on the form ( for his account, which is in XXXX  ).

I wanted him to have some money to use at the XXXX festivals. I had to remove more than {$11000.00} from my IRA ( necessary when one reaches XXXX  ), so my plan was to send him from that amount, since I am no longer allowed to travel. It hit me afterward that sending it to his XXXX account but using his XXXX, rather than XXXX, address, was not the right way to do it. A couple of days later, someone from the bank called and asked me some questions, which I answered ; they said that now, all in compliance was okay : the wire passed muster.

I received different answers from the bank when I followed up. One person told me that the XXXX   bank was holding the wire ( wrong ). And so on. I then asked just to send the money back to me, but it was frozen.

I called XXXX this morning and left a message. A nice, PATIENT fellow explained the license to me. I had spent the weekend trying -- unsuccessfullyto fill out and send the form. Now I have a very good computer techie helping me.

Ive collected some documents, attached here, from both my friend and myself. All of the necessary addresses and phone numbers are on the form.

Thanks for your help. A swift redeposit would help me, because I am losing investment money daily.

Regards,
Product: Checking or savings account

Prior to XX/XX/XXXX  I had a checking account and savings account with chime bank ( XXXX XXXX ). Unfortunately I was XXXX  for a short period of time but when I was released I noticed that my accounts were closed. The customer service said that since I no longer had the phone number that was connected to that account that there was nothing they could do. I even offered to email a copy of multiple forms of identification but they refused to be of any help. I know for a fact that these two accounts help over XXXX US dollars as I had just received a direct deposit the night I was XXXX.. Ive been trying for over a year to gain access to these accounts and to my money but have been stonewalled the entire time