23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I filed a dispute against Bank of America Credit Card unit because I took my car into a repair shop and they did not fix it and then they tried to change me additional fees to fix the original problem. I sent several documents to Bank of America by fax and they said they did not receive them and the deadline for my dispute was expired. I filed a compliant with your organization and keep in mind the car repair shop issued a letter stating they did not repair the part of the vehicle that I originally requested repaired. Bank of America has put a negative comment of my credit profile in retaliation to the fact that I reported them to your organization. I recently ran my credit and it said the I filed a dispute of resolution. I have a right to contact you and request a fair and appropriate resolution and it is illegal for them to retaliate with the goal of destroying my credit score. I pay all of my bills on time every month.
Product: Credit reporting or other personal consumer reports

CB Indigo Bank ran a hard inquiry on my credit history that affected
Product: Credit reporting or other personal consumer reports

you received my dispute regarding some transactions and late payments that you and ( Put creditor name here ) furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, XXXX, XXXX ) stating that the account was verified!!! 

I am not sure why you responded with XXXX as I did not ask for verification of anything! The law clearly states that ; ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection XXXX ( b ) of this titleis mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section XXXX was mailed or delivered to the consumer not later than 21 days before the payment due date. 

The only way for you to validate a latepayment is to ensure that XXXX XXXX XXXX was done in compliance XXXX compliance and FCRA compliance!! to the specifications of the law XXXX XXXX XXXX! Further more this process must be certified by an agent that the information is accurate.
Product: Mortgage

XX/XX/2021 home received damages from XXXX XXXX. XXXX XXXX XXXX XXXX folded and XXXX for the State of Louisiana took over the guarantee of my mortgage. XXXX paid us on XXXX two checks for a total of {$48000.00}. ( approximately ). My attorney XXXX XXXX XXXX, XXXX at the XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA sent the signed checks to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The new company name now is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The account number is XXXX in the name of XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XXXX XXXX, TransUnion has reported the deleted accounts again. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX i believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for the last year to Equifax to remove the inaccuracies, and remove chargeOff/closed accounts showing on my credit report with no success. Please see below request and information regarding the inaccurate information being reported. 
XX/XX/XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 XXXX XXXX XXXX XXXX Account # - xxxxx XXXX Collection Date Opened XX/XX/XXXX Balance- {$2300.00} I have no knowledge of this account or company. Please update and remove this account from my report. 


Dispute 2 XXXX XXXX XXXX XXXX XXXX  Account # - xxxxx XXXX Collection Date Opened XX/XX/XXXX Balance - {$420.00} I have no knowledge of this account or company. Please update and remove this account from my report. 


Dispute 3 XXXX XXXX XXXX Account # - XXXX Charged Off Date Opened- XX/XX/XXXX Balance - {$20000.00} Please remove these Charge Off accounts on my report. 


Dispute 4 XXXX XXXX Account # - XXXX Date Opened XX/XX/XXXX Closed/chargeOff/ REVOLVING Balance - {$0.00} Please remove these Charge Off accounts on my report. 

Dispute 5 XXXX XXXX Account # - XXXX Date Opened XX/XX/XXXX Paid/Closed Balance - {$0.00} Please remove these PAID_AND_CLOSED accounts on my report. 

Dispute 6 XXXX XXXX XXXX Account # - xxxxxxxxxxxxx XXXX Date Opened XX/XX/XXXX Paid/Closed Balance- {$0.00} Please remove these PAID_AND_CLOSED accounts on my report. 

Dispute 7 XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Charged Off Balance - {$500.00} Please remove these Charge Off accounts on my report. 

Dispute 8 XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Charged Off Balance - {$240.00} Please remove these Charge Off accounts on my report. 

Enclosures : Copy of Driver License Current Bank Statement as Proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few inquiries on my credit report from unknown companies. I need these to be removed from my report
Product: Money transfer, virtual currency, or money service

I, properly initiated a payment to my XXXX XXXX XXXX  credit card ; Through XXXX  XXXX XXXX Bill Pay with a confirmation # that says it was supposed to go to XXXX XXXX XXXX credit card payment. 
XXXX XXXX XXXX improperly and without your authorization sent those funds to an account at the XXXX XXXX XXXX XXXX. The XXXX XXXX  XXXX XXXX improperly deposited the money to a random account that was not even on the check or a payee name on the check. The account number on the check was our credit card number not even a legitimate account for the bank. The XXXX XXXXXXXX XXXX XXXX is owned by XXXX XXXX. Affidavit paperwork was filled out sent to XXXX XXXX and received by XXXX XXXX via certified USPS mail on XX/XX/XXXX at XXXX. 
In recent calls to XXXX XXXX, they state they can not help me because I do not have an account with their bank. Even though funds were transferred into an account of theirs. 
Our {$6100.00} needs to be returned. 
Synovu 's Bank XXXX was the check deposit info on the back of the check Check # XXXX Deposit # XXXX
Product: Credit reporting or other personal consumer reports

All 3 credit bureaus XXXX, Trans Union and XXXX did not update my addresses and remove them off my credit report. I filed a dispute with each one of them. Its been 45 days and I havent received anything no word nothing and these addresses are incorrect and some of them are over 20 years old.
Product: Debt collection

XXXX ally financial calls repeatedly. 

XXXX i was in a car accident that left my car a total loss XXXX insurance company paid what i owed to ally financial XXXX Ally.com/auto website post i only owe {$11.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used car in a used car dealership as is. I was aproved for a loan from tidalwave finance corp for the ammount of {$8500.00} plus interest. My first payment was on XX/XX/2019 for the amount of {$310.00}. ever since then ive made my payments on time if not in advance. 3 payments were rejected by the bank the month and date of XX/XX/2019 do to use of a debit card from another family member, Other then that my monthly payments have been in full and on time. I contacted TIDALWAVE FINANCE CORP a few moths after my loan was approved and asked why my loan did NOT show  in my credit history and i was told that they made the reports once i was done paying my entire loan. I accepted the answer at the time but i looked into credit reporting for more info and realized my loan should have been reported to the 3 credit bureaos since the account was opened. Im now wondering if my auto loan should have been reported or if it ever will be. I would like for the report to show in my credit along with my payment history and my pending balance. SHOULD I WAIT AND SEE IF IT SHOWS WHEN IM DONE PAYING THE LOAN? WHAT IF THEY NEVER REPORT MY LOAN OR PAYMENT HISTORY TO THE CREDIT BUREAU. THERE HAVE BEEN NO UPDATES IN MY CREDIT HISTORY SINCE THE LOAN WAS APPROVED.
Product: Debt collection

I sent a validation of debt letter to LVNV Funding LLC for a credit card debt that is reporting on my credit report. I asked them to validate the debt and all they sent me was a copy of an old bill. The debt was not validated like I asked. I have never had a XXXX credit card. I have attached a copy of the letter I sent LVNV Funding and also the letter they sent back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed below I have been disputing for months now and they still haven't been removed. Experian and XXXX has ignored my request to for several months to remove this inaccurate, un verifiable fraudulent identity theft accounts from my report. they have not sent me signed contracts to verify that these are mine. it had been for that 45 days with no proof I own these. please enforce the laws on XXXX and Experian to remove these. 


1.XXXX/XXXX account numberXXXX 2.XXXX  XXXX XXXX  ( original creditor XXXX XXXX XXXX Account number : XXXX
Product: Bank account or service

While checking my Chase Business Account from my mobile device I notice an unauthorized check had cleared my account # XXXX for {$1200.00}. 
I called the Chase fraud line to report the fraud. The agent ask a series of questions that included looking through my check book for the check number # XXXX. 
I notice that number was towards the end of my check book and discovered XXXX checks were torn from my check book. # XXXX and # XXXX. 
I immediately placed a stop payment on the check that had not cleared my account # XXXX and closed that account and opened another account. I was given an investigation number When opening my new account I inquired about the investigation and was told it was on-going and a credit would be issued to my account after the investigation. 
Upon waiting about 10 days I received a denial to my claim in the mail. 
I did not understand what had happen therefore I spoke with the Branch manager where I opened my account. She informed me the issue had been escalated and it was denied from the executive branch. 
After exhausting all efforts to recover my money from Chase, I decided to pursue Law enforcement actions for this obvious fraud. 
I went to the Police Department to open a case. I opened the case on XX/XX/2017, case # XXXX with Investigator XXXX I called the XXXX Police department several times to check the case status, sent the investigator an email but have not been contacted at all by the investigator as of XX/XX/2017. 
I received your contact information from my local news channel. The news agent is XXXX XXXX, and he has a consumer phone number. That information lead me to the CFPB. 
A few other facts : My check book was securely positioned in my zipped computer briefcase and placed under my desk at work. I live alone, therefore no one at my home could have taken the checks. The bank ( CHASE ) claimed they denied the claim because I should have keep my checks in a lock box. I asked to see that in writing but they would not or did not have this for my viewing. I printed an image of the fraudulent check and it was clearly not my signature nor handwriting. Also I have no idea who the payee is ; seems like XXXX names on the check. The bank would not let me know the check deposit location or if it was cashed at a Chase bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion LLC 2 times ( XXXX XXXX XXXX, XXXX XXXX, XXXX ) letting them know that some of the names they purport to belong to me does not belong me. I also attached my drivers licence showing the correct name but the same wrong names continue to apprear in my credit report the company sent to me on XXXX/XXXX/XXXX. 
The report also shows some telephone numbers which i have told Transunion LLC twice that they do not belong to me but they have refused to correct them.

I have also requested twice for Transunion LLC to remove accounts which they purport to be adverse as it has been more than 7 years since the inial default as per FCRA but they have either refused to remove them or do any investigation.

I also requested for information to show why Transunion LLC is linking me with wrong names and phone numbers but they have either refused or dont have them because they have not carried any investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit act Credit Acceptance account number XXXX, has been 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 of consumer reporting agency can not furnish an account without my written consent
Product: Checking or savings account

I noticed about XXXX of fraud on my account. I tried to dispute these transactions on there website but for 3 days it said I have no transactions to dispute. So I called in XXXX to dispute the transactions. Guess what the rep only took notes. Fast forward a rep calls me Monday and says the rep could not dispute the transactions I would need to go over them with her. 

Then she had the same issue and it said I had to transactions to dispute on this account. Then she put me on hold to someone in another department. 

Well guess what the call got disconnected and she did not call back. 

I am hold for XXXX minutes now. This customer services sucks. 

I feel like they do this on purpose not to get your money. 

I Have XXXX in fraud and couldnt even pay rent because of this. Horrible way to treat a veteran like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, AND XXXX ARE IN VIOLATION FCRA SECTION 623 ( a ) ( 3 ) OR FCRA SECTION 807 ( 8 ). I DISPUTED XXXX XXXX ON XX/XX/2022 THE DISPUTE END XX/XX/2022. THE COMMENT SECTION OF THE ACCOUNT IS BLANK. ATTACHEMENTS SHOWS THE DISPUTE ALSO ATTACHMENTS SHOWS THE ACCOUNT ON MY UPDATED REPORT DATED : XX/XX/2022.
Product: Student loan

To whom it may concern, Through multiple conversations with representatives at Mohela regarding expected timelines of when payment counts will be updated, what payment count I could be expected, and what the specifics of the TPSLF requirements would apply to my loans, I seem to be receiving conflicting information. Even for seemingly simple straightforward information, such as " expect an update in 90 days '' from submission of a document, then turned into " XXXX business days '' when I contacted at the 90 day mark. Only then, when I reach out at 90 business days from processing, does it turn into " 90 business days following a decision being made. '' Which then results in an XXXX of 2022 XXXX still not being reflected on my portal 144 business days later. This is particularly upsetting as I believe I have reached 120 payments if the proper counts according to XXXX were applied. Additionally, I have been concerned that I have 8 total loans, and 2 were knocked off schedule due to an administrative error, fixed within the last 6 months, to only now be off scheduled again. This is particularly difficult, as I had been counseled by XXXX XXXX out of consolidating them because " They will all be counted to the higher of the loan payments and continue to move as a group. '' The wait times, conflicting information, and what responses that are being provided have now exhausted my patience, as there have been at least 2-3 XXXX submissions before the XX/XX/2022 that were never processed.
Product: Debt collection

I received a letter from Diversified Consultants ; with regard to ( 2 ) collections. XXXX was XXXX and the other was XXXX XXXX XXXX. I reached out to XXXX asking what I needed to do to dispute these two items ; because they did not belong to me. The told me to send a letter to them stating the account numbers ; and the reason why I wanted to dispute the debt ( s ). I typed ( 2 ) separate letters ; and mailed them off separately on XXXX/XXXX/XXXX. I was under the impression that I would receive two letters from XXXX giving me the opportunity to explain why the debt did not belong to me. I never received those letters. On XXXX XXXX, XXXX, I received notification that a collection was added to my credit file ; from none other than Diversified Consultants. I called them and asked them if they received my letters and when I was going to receive something back from them ; the lady on the phone looks at the collections and says that the accounts have been closed. I explain to her that I received notification that the debts had been added to my credit file. She says she did n't understand why. I explained to her the entire situation again ; she asked me to hold so she could ask her supervisor what happened. He got on the phone and told me that a fraud statement had been mailed to me. I told him that I did not receive the fraud notification and I wanted to be given a fair shot to dispute these charges. He proceeds to tell me that he checked my account and the notification I received from the credit bureau was a dispute notification. I checked and it was not ; it was an actual collection added to my file. I would like the opportunity to fairly dispute these collections because they did not belong to me. He told me not to worry about it and another fraud document would be mailed to me. I asked him ; would these collections remain on my account while this process is underway. I told him that the rep before him told me that the accounts were closed ; he agreed. He told me XXXX again XXXX that my alerts were not collections, they were disputes. I would like the opportunity to prove that these collections do not belong to me. The issue is ; if these accounts were closed ; why are they now on my credit profile. And number ( XXXX ) I would like to properly dispute these collections to have them removed. Please help!!!
Product: Debt collection

I received a collection letter f rom LJ Ross  on  XXXX  for an unpaid account from  XXXX  on  XXXX / XXXX /  XXXX  . I was sure I paid that account in full but being so long I was n't exactly sure now ... So I sent a dispute letter on  XXXX  asking how I owed on this account a nd why LJ Ross  is collecting on this account but never received any information back. Under the Fair Debt Collection Practices the collection agency is not allowed to further collect on this debt until it is verified. They are still trying to collect by posting it to my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I mailed a dispute letter to Transunion and XXXX XXXX signed with his signature on XX/XX/3219. I have not received any documents stating an investigation was made or if the the dispute was deleted.The credit bureau has to respond to your inquiry within 30 days, or they must remove the negative item listed, per Fair Credit Reporting Act regulations. I disputed the inquires below : XXXX/XXXX, Issue : The inquiry was not authorized XXXX, Issue : The inquiry was not authorized XXXXXXXX, Issue : The inquiry was not authorized XXXX XXXX, Issue : The inquiry was not authorized XXXX/cont, Issue : The inquiry was not authorized XXXX/XXXX, Issue : The inquiry was not authorized
Product: Debt collection

Was harassed by XXXX. Also let Navient know that I've checked the website and the amount owed was not there or amount paid in was not there either. Let them know that I was head of household so the garnishment was not suppose to be put into effect as of Florida state law. At one time had the money to pay off loan was told I could not.
Product: Mortgage

DearCFPB,Finallyafter2yoursoftryingtofinalizedmyloanmodificationthanktoyourinterventiontheyfinalizeditthismonth.NowthenewissueisthatontheirsystemshowsthatimissedapaymentbackonXX/XX/2018thatisnotaccurate.IhavebeendiligentlymakemypaymentsincemyloanmodificationapprovalabackonXX/XX/2018.

attachedisproofofallmypaymentsnowthatinaccurateinformationisonmycreditreport.

IhavesendanddiscussedmypaymentswithHomepoint.