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

XXXX XXXX is reporting inaccurate information on my credit reports. On XXXX, they are reporting that I owe {$150.00}, with a high balance of {$210.00}. On Transunion they are reporting a high balance of {$570.00} with a balance due of {$150.00}. On XXXX they report a high balance of {$0.00} and past due of {$150.00}. All the dates of activity and payment dates are also different on each credit report. I've disputed the account as inaccurate several times and have gotten nowhere. XXXX XXXX has been automatically withdrawing money from my bank account, so none of the information being reported is accurate. I'd like the information accurately reported or removed from my credit report.
Product: Debt collection

Doctors Business Bureau, the collection agency for XXXX XXXX XXXX XXXX refuses to remove a medical collection on my account despite numerous communication requesting same which included the attached verification of my identity theft. Detective XXXX with the XXXX Police Department was the XXXX that alerted me to the identity theft and a police report was filed by Detective XXXX and another police report was filed in XXXX XXXX as this is my county of residence. I have not used XXXX XXXX XXXX for a XXXX for myself nor for my minor son. This service involves someone else who may have used my identity. The collection agency will not remove the collection and continues to demand payment.
Product: Credit card

Bank of America had a credit card for me years ago. They set me up on a payment plan and advised me that my account would report paid as agreed. I had several people from their service line talk to me assuring me it would n't hurt my credit, but now they 're reporting it 150 days past due at some point. It 's been paid off for years in full. My credit scores are all over XXXX with all accounts paid as agreed. I feel they misled me and said whatever was required to get me on the payment plan. It was deceptive. I 've since asked them for records of the calls and past statements. They said they can not provide either. I 'm curious how they 're sure about anything on the account if they ca n't provide me records for transactions less than 5 years old.
Product: Checking or savings account

My paycheck was sent to CapitalOne by my employer but was not processed into my account. CapitalOne has stated that there is an " unspecified technical issue due to a third-party vendor '' but they will not provide any further details. They have not provided an ETA for when they will have this resolved. I have no access to money that I worked hard to earn and apparently am not entitled to any compensation by the bank. I feel that the CFPB needs to investigate CapitalOne. This is oddly right after it was announced that they are being sued, again, by customers for not communicating changes to interest rates so that customers can make account decisions accordingly.
Product: Credit reporting

Transunion is illegally reporting XXXX ( Deposit Related Accounts ). XXXX Credit card illegally on my credit report. I have disputed all XXXX items with Transunion and they came back verified. I contacted both companies and XXXX refuses to talk to me. I wrote them a letter demanding them to send me any information on this debt they did n't respond. So I called them and they refused to talk to me and stated the only way I can talk to them is through the credit bureaus. XXXX I contacted Transunion and it came back verified. I wrote to XXXX asking for more info on this account and received a debt settlement letter. I contacted Transunion back to ask what method of validation was used and did n't receive a response. This is very illegal and goes against all of the federal laws.
Product: Vehicle loan or lease

on traded in my car for a new car in XX/XX/2017, I was told I owed nothing else by the dealership, I them received not one but three bills total in reference to closing the lease. 
As noted in my attached letter, after paying the first bill and being told I was again paid in full I received a second and then third charge. Paid # 2, on 3 I requested written documentation of taxes as I owned the car for 2 yrs and  they were billing for 3. I was abused and repeatedly told by Honda Financial, to go to my town and get the info, that they had no info and that they did not care what my rights were. If as the announcement says on their greeting this should all be recorded. 
They reported me as delinquent to a credit bureau although this is not allowed under consumer law when a charge is in dispute. Finally after receiving a mildly plausible written explanation I paid them on XX/XX/XXXX a settlement amount they requested. I did write " to pay debt with acct # in full '' on check along with letter I sent with the check also confirming that. They proceeded to put me in collections for XXXX. I only requested they remove the information on my credit report and accepted their settlement ( not mine  ) as payment in full. Documents attached
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX account XXXX and XXXX XXXX account XXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Amegy has repeatedly charged me for a late charge even though I have paid my mortgage on time. The could only find one receipt. ( This has happened twice. ) This particular one shows I paid my mortgage at Amegy Bank on the XXXX of XX/XX/XXXX and on the XXXX was assessed a late fee anyway. I did try to resolve this to no avail. 

Furthermore, I have been recently unemployed and had not been making my payments within the grace period. But what has made matters worse, on XX/XX/XXXX they charge me a {$5.00} fee for paying my mortgage over the phone on with the Customer Service Representative, Ms. XXXX. I told her I could pay it online to avoid the {$5.00} fee as I am counting pennies at the moment. She said I could not as two months are due and would have to pay two months if paid online.
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 this account, 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 account in my file. 
XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

To whom it may concern, I received my free credit report and have noticed discrepancies on a reported charge off account that violates my FCRA rights ( Fair Credit Reporting Act ) I have highlighted my concerns in the .pdf attached and ask that due diligence is done to confirm the validation of this debt. I have previously requested information from this collection agency and have in return received repetitive robot-like replies basically saying " take my word for it. '' I have not received real credible evidence including but not limited to : a signed contract, and the I.D provided at the time of contract signing. I've been made uneasy by the sloppy account keeping. I have provided FTC identity theft reports to this agency as well, per their request. They did not care and proceeded to ignore my request for deletion. I have spent months now attempting to work alongside the collection agency and have gotten nowhere. They refuse to provide me with valid information confirming the accuracy of the reported account. I am requesting that Experian take control of the situation and determine the credibility and legality of this account by validating this debt. Across all three bureaus are inaccurate and contradictory reporting such as payment history, and account status. I would imagine that payment history and account status are the two most important attributes of an account on a credit report. Assuming that is the case, why are my accounts being reported this way? How can a person pay 94 % of payments on time while simultaneously reporting 0 % payments made ( all payments missed )? This is not ok, this is not legal, and should be fixed ( deleted from my account. ) XXXX reports 94 % of payments made on time whereas Experian reports 0 % of payments made on time. XXXX 's payment history is void yet reporting as open, the same as the XXXX report which has the 94 % payment history. All of this will be highlighted in the attached .pdf document for easy viewing. It is my understanding that accounts that are not accurately and consistently reported are in violation of my FCRA rights and if this debt can not be validated. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion XX/XX/2018 to talk to them about some inquiries that are showing up on my credit report that were never initiated by myself. I was told that they would not be removing them and refused to even investigate on my behalf. Under FCRA I have the right to correct information on my report and wish to file a complaint because they refuse to even investigate or remove these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  account number XXXX XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy. 

Statue 15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions or consent of the consumer ( myself ). 

EXPERIAN, XXXX and XXXX has furnish inaccurate information on my personal credit file. It is clear violations being committed by these bureaus. I have attempted many time to rectify this matter by disputes. Each time it comes back updated and not deleted and removed as it should be by law. Please remove and delete this inaccurate information from my credit file immediately. 
The account is paid in full and agreed by the lender to be reported as CURRENT, ON TIME and CLOSED. Each bureau is reporting different information as you will see in the documents I proved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out today that Equifax reverted my contact information to old contact info WITHOUT my permission or request. This is the phone placed on the file to request a call to validate my ID on my Fraud alert recently I've had the same phone number on file now for years and have opened up multiple accounts and had phone verifications. Suddenly Equifax changed it. I also have ongoing & repeated issues with ONLY Equifax updating and changing my address to my ex-wife 's address. NO OTHER CREDIT AGENCY has these problems.

When I call Equifax, they want to take 48 hours to correct the problem. They also seem to have punitively punished me and now have blocked me from gaining access to my free annual online credit report.

Can you please put these clowns out of business? They already XXXX most of the US with their security breach, obviously continue to mess up and really need to be shut down.
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus XXXX, Equafax, XXXX XXXX have yet provided proof of original contract with my signature, and said Debt has been claimed by written off and should not be reported to said credit report under federal and state codes and rules in the Fair credit reporting act. 

No person, business, ect shall publish negative information on such credit report under the CFPB guidelines that are guidelines under Federal Court Law Rules and Regulations. 

Please remove all negative information reporting to my credit report.
Product: Checking or savings account

On XXXX XXXX my card was used in the amount of {$2900.00}. I disputed this transaction and provided proof that error occurred. I provided police report as well. After two alleged investigations, Current Bank deemed no error occurred. I then asked if they contacted the police department and they ignored this question.
Product: Credit reporting or other personal consumer reports

I was completely shocked when I saw inaccurate accounts appear on my credit report this morning, and I have no explanation for how this happened. I routinely check my credit report, but this time there were discrepancies that really caught me off guard. I even refreshed my browser, hoping it was some kind of mistake, but the inaccurate accounts were still there. Now, Im asking that the documents Ive provided be thoroughly reviewed so I can put this behind me and stop worrying.
Product: Consumer Loan

I have been dealing with this problem since XXXX XXXX, 2016 and 7 phone calls to correct to no avail. 
I made 3 principle only payments to my car loan from Mercedes Benz Financial Services They acknowledge they have received the payments but will not deduct them from my balance. These payments of XXXX/XXXX/16 {$1000.00}. XXXX/XXXX/16 {$5000.00} XXXX/XXXX/16 {$3800.00} are not reflected on my statement. Beside my XXXX principle only payment was {$1200.00}. 
After calling in 5 times I went down to Mercedes of portland and talked for 1 1/2 hr with their financial manager. She said she has no recourse. She would call and talk with them. 
After waiting 1/2 hr. for a customer rep she told my story and they could n't figure it out. 
They would call back that day, XXXX XXXX. No call. They called me back on XXXX XXXX and assured me they would get back to me the same day. Understood my problem it would be corrected by the end of the day. 
After waiting over 40 days for a simple answer I have no recourse but to contact you. 
My theory is they are using the principle only money in some way to their advantage. 
I am incurring interest on a balance that should have been corrected since XXXX. The account needs to be refigured with interest taken out in the same month to avoid over payment. 
I do not know what more I can do. Mercedes of XXXX has been no help at all. 
They can process a loan and then feel they have no responsibility to their customers to help with a serious problem. 
What the Mercedes Financial is doing of holding onto funds I consider a scam. 
Mercedes of XXXX is now owned by XXXX XXXX XXXX XXXX, XXXX. 
Please help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a recent data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete all fraudulent accounts listed below from my credit report. 
The following accounts were fraudulently opened in my name and must be removed : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$970.00} XXXX. XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX ( {$8800.00} ) XXXX ( {$9200.00} ) XXXX XXXX XXXX ( {$360.00} )
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by THD/CBNA. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment was made within the required timeframe. Attached is a copy of my bank statement showing that the payment was successfully processed before the due date.

Clerical Error by Creditor : There appears to have been a clerical error during the payment process, as I never received any notification of a missed payment. XXXX confirmed that no payment was missed, and I have attached correspondence with them to support this claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

am writing to formally dispute the inaccurate information on my credit report, as indicated below. After reviewing my report, I noticed a charge-off from 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  that I believe is inaccurate and needs to be investigated. I request that you verify the accuracy of this information with the original creditor. If this charge-off can not be verified, I ask that it be removed from my credit report immediately, as per the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXXBANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMP XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICE XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

For the past 9 months, I have been sending dispute letters to this company however, for every dispute letter that I've mailed to them I sent as certified mail for tracking information. However, every time the dispute letters have been delivered I keep receiving an email from them stating that they received my dispute letters but does not believe it was sent by me. However, all of my letters were sent with the appropriate verification documents required by the law. Additionally, every time I call them regarding the email and to verify the letters for a dispute, the representative tells me that once their system flag the documents for this reason they discard the letters so I will not be able to submit them for a dispute once this happens. I've also called and submitted a complaint with a representative over the phone and this issue still occurs.
Product: Credit card or prepaid card

On XX/XX/2021, I was in the process of moving from XXXX to XXXX. While driving a truck cross country, my credit card was frozen. I can only assume it was because I made purchases in multiple states. 

When I arrived at my destination and settled into my apartment, I called the credit card managing company, Synchrony Bank. In the past, I have been asked to confirm recent purchases or answer questions about myself when there is suspected fraud. 

I was shocked, to say the least, when I was told that the only way to have my card unfrozen was to take a video of myself and send it into the company to have a biometrics test run on it. 

I explained that this made me very uneasy, that this is the sort of practice that is conducted in XXXX. I was then told that the only other way to regain access to my card was to wait seven to ten business days for a letter with a code. 

Ten business days pass and I call again. I am again told that I should make a video of myself for them if I want my card unfrozen. I again explained to them that this sounded like something out of a dystopian movie, that I don't want to send a video of myself to someone I do not know, much less a multinational corporation. 

Without any recourse, I was forced to wait. I finally received my letter on XX/XX/2021. Instead of a code however, the letter instructed me to send proof of my identity in the form of a utility bill, lease, or bank statement. I was not given an email address so that I could scan and send it in quickly, but the address of a XXXX XXXX XXXX in the middle of the holiday season. 

I do not want to live in a country where financial institutions can pressure and even force their customers to submit videos of themselves, directed according to their instruction. I am lucky, in that I had another source of funds and could pay off my credit card. But most others can not. Please do something about this.
Product: Bank account or service

Apparently since XXXX, 2012, Wells Fargo was charging {$10.00} for a service I neither used nor authorized. I spoke to Wells Fargo who confirmed this service was never used. They offered to reimburse {$30.00} to resolve this. I did not accept. Other than say to me that I " enrolled in 2012 '', there is no other corroborating information to this effect. I was told the " Direct Pay Monthly Base '' service for which I was charged {$10.00} per month since 2012 was to pay employees. I do not employ employees. The account was set up to receive payments from entities for which I provided services to. They paid me. Not the other way around ...
Product: Checking or savings account

I used a XXXX ATM to withdraw money from my Chime account and the atm never gave me my {$200.00}. Speaking with Chime they denied my claim without a thorough investigation. The atm is a third party atm and told me that I have to handle through Chime.