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

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

Some of the accounts are reporting as " late '' and saying they are fairly new accounts. In reality these are 7 to 10 years old, and should by all rights be closed.
Product: Credit card or prepaid card

On XX/XX/2023, I called Upgrade, Inc and I requested that my Upgrade OneCard and my Rewards Checking account to be closed. At that time they confirmed the closure over the phone and let me know that the accounts might still show up in their Internet Banking platform for a few days. 
Today, XX/XX/2023, I checked the Internet Banking platform and both accounts seem to still be active. Even more, the Upgrade XXXX clearly shows an available balance of {$25000.00}, the limit that I had prior to asking the account to be closed. 
As a result, I called Upgrade, Inc again and they verbally told me that the accounts are closed. Despite of this, considering the discrepancy between what I am verbally told and what their Internet Banking platform is showing, I requested a written confirmation of the closure of the two accounts, which Upgrade, Inc refused to provide.
Product: Student loan

I made a payment of {$150.00} on XX/XX/. 
I was not given credit for this payment by Mohela. 
My bank ( XXXX ) confirmed the payment was made and faxed over to Mohela evidence of their transfer ( the check was electronic - not mail ). 
Having spent 12+ hours on hold and having my calls disconnected twice, I finally talked to Mohela CS Rep in XXXX and they told me they would investigate. They told me to submit evidence. I attached the same screenshot as below on their website having followed CS Rep 's exact instructions on how to do that. 
No email or mail was sent to me with resolution. 
My account balance is still incorrect It shows past due, while in fact, it's not. 
I'm being charged interest. I don't know what to do next.
Product: Credit reporting or other personal consumer reports

I have made several attempts to contact XXXX for reporting inaccurate accounts but they have not been compliant with responding to my inquiries and accounts.CHARGE-OFF DEBT HAS BEEN FILED AND IS NOW TAXABLE INCOME AND CAN NOT BE REPORTED TO MY CONSUMER PROFILE. After informing XXXX of violating my rights, they still refuse to remove the charge-off accounts. It is no longer debt, as it is now taxable income per the XXXX  this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XXXX  asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Checking or savings account

On XXXX XXXX, XXXX I deposited my check at an ATM owned by Wells Fargo bank. The check amount for my paycheck was {$1500.00} and the bank error deposited only {$510.00} and shortchanged my funds of {$1000.00}. When I called Wells Fargo ( six times ),  the bank told me that there was nothing they could do at moment. I have proof of photo of the paycheck and amount and deposit amount in my email from Wells Fargo. They emailed me it. I am disputing {$1000.00} as I believe Wells Fargo committed financial fraud on me, a loyal customer.
Product: Checking or savings account

Hello, I had IDES benefits sent to me through Key2Benefits/Keybank. They allowed online transfers. Now they don't for some reason. When I use the ATMs they only allow withdrawals of {$20.00}. I want my remaining money. It is {$17.00}. I call Keybanks customer service line and it hangs up on me. I called like 20 times. I tried to send them a message. It gives me an error. Please help me get the rest of my funds back. Them holding it is theft. 

Thank you XXXX XXXX
Product: Debt collection

On Friday XX/XX/XXXX at approximately XXXX XXXX time I spoke with XXXX XXXX at IQ Data in regards to my account. 

During our conversation as I asked more questions for clarity, she told me I was refusing to pay after I stated several times that I would continue to make my payments by the XXXX, but just did not know the amount yet. 

I asked if I could call back by the end of the month prior to my due date to confirm a payment. 

When I said this she launched into derogatory dialogue, indicating that I owed them {$6000.00} ; previous representatives indicated that my bill was only {$3000.00} ; and continued to used abusive language as she berated me and was verbally abusive. After XXXX 's abusive language ended she stated " I am noting your account as refusal to pay '' and ended the call. 

I have been paying on this account for close to a year ( over {$1000.00} has been paid to date ), but due to lack of work I was seeking to understand what a minimal payment would be for this month of XX/XX/2023. 

Lastly, when I asked if I could receive information in writing XXXX XXXX said " No, this is not something they do ''. 

I believe this collection company has violated my rights under 15 USC 1681. And I believe should be removed from all of my credit reports. 

IQ DATA 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My information was distributed and sold by Equifax and due to this I have received fraud from identity theft on my credit report which I have disputed many times over that last 3 years. Every time the identity theft info comes back false as verified.
Product: Debt collection

I have gotten repeated calls from this collection agency -- -I called this number back but the person on the other end hung up on my because I would confirm personal identifying information. I told her I had a attorney and that person hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is, XXXX is stating they are reporting accurate information to EXPERIAN, XXXX, and XXXX. However, the reporting agencies are not reporting accurate information in my report, which is violating my rights as a consumer under the FCRA laws. 

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 an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

During the loss mitigation the bank was saying we didn't get documents, saying things could be taken over the phone and then saying they didn't get it. I have sent them documents through their site for years and all the sudden they aren't receiving it, I have recorded them saying they have all they needed to find out they didn't, I had to start another application because the info I gave them over the phone they said they needed they said they didn't get. Then to say the loss mitigation is denied because not enough time. It is in the appeal process now, I have the appeal if you need to see. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigate and correct : XXXX XXXX Balance Owed : {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB Team, I have been trying to resolve this account issue with Transunion, XXXX, XXXX as well as DPEDXXXX, but to no avail. I have a credit card reporting on my credit that has late payments. This was never the case. Each time that I submit a dispute for the bureaus to correct these billing errors. They have not changed the status of the account to good standing. The economy is not getting better and interest rates are rising. These late payments that are being reported to my file are holding me back from receiving the best interest rates that are available today. I am depressed and distressed by this negative information being reported. This is my last attempt to dispute this before taking legal action towards these bureaus.
Product: Mortgage

I sold my property on XX/XX/2016 and the payoff was mailed to Ditech on XX/XX/2016 via USPS express mail. The payment was not received by Ditech and could not be tracked by the post office. I had a stop pay placed on the check and a new check was finally issued and sent to Ditech which they confirmed receipt of on XX/XX/2016. On XX/XX/2016 the first check sent was somehow recorded as received by Ditech. The payoff of this loan is a contingency for another loan that I am in the process of attaining, but my account is still as of XX/XX/2016 showing as unpaid. This has also affected by credit rating, and I have received collection calls from Ditech for non -payment of the loan for XX/XX/XXXX and XX/XX/XXXX.
Product: Bank account or service

On XXXX XXXX, 2016 Barclay Bank Delaware on XXXX XXXX, 2016. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company, Mr Cooper is not reporting our good payment history to the bureaus. They stopped reporting back in XX/XX/2018 when they changed names form Nationstar to Mr Cooper. They also as our mortgage company have been sending us refinance sales literature but when trying to refinance they tell us lies about why the bureaus can not give them a score. 

You see, we are debt free except for Mr Cooper who holds our mortgage. I have spent over 56 hours, about twenty letters to them and have only received two back stating we are worming on it. This has gone on long enough. My attorney has also received a letter that states, we acknowledge your letter, But wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts do not belong to me please remove them from all three credit reporting agency 's. They are stopping me from providing for my family and stopping me from buying a home. I have never done business with this company. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$220.00}
Product: Vehicle loan or lease

I have an auto loan with Santander Consumer USA. My loan is nearing maturity and will be paid off XXXX XXXX. I setup autopay online so that my payments are automatically deducted from my checking account each month. When I set up autopay, I saw my maturity date was XXXX XXXX and the last payment was approximately {$180.00}. My regular payments are {$390.00} each month. I logged into my account today and the last payment has changed to {$350.00}. I was never notified by Santander about a rate increase or any adjustments being made to my interest or payments. I would like to know why my last payment has increased. If this is a mistake, then I would like for Santander to adjust my account to reflect my true balance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protections act. specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements and the electronic fund transfer act and regulation XXXX these actions have caused significance inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

To whom it may Concern : I am stating I sent Ocwen Loan Servicing , LLC a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and Ocwen responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. 


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

Dear XXXX, I hope this letter finds you well. I am writing again to bring to your attention the presence of inaccurate information on my credit report related to my account with XXXX. I kindly request your assistance in rectifying these errors promptly. My Account with you has been consolidated in 2021, why are you still reporting inaccurate information below? A wrong name, wrong address, and wrong account? 

1. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
2. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
3. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
4. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
5. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
6. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
7. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
8. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
9. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
10. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
11. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
12. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

I have taken the necessary steps to ensure the accuracy of my records, including reviewing my payment history and corresponding account statements. Based on my findings, I believe the information reported is incorrect and should be rectified, and removed. 

I kindly request that you investigate these discrepancies and take appropriate action to update my credit report accordingly. I understand the importance of accurate credit reporting and its impact on my financial well-being. 

I kindly ask for your prompt attention to this matter. Please provide me with a written confirmation once the necessary adjustments have been made to my credit report. Should you require any additional documentation or information, please do not hesitate to contact me at XXXX XXXX XXXX or XXXX. 

Thank you for your cooperation and prompt resolution of this issue. I appreciate your attention to this matter and look forward to a favorable outcome. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX XX/XX/XXXX placed a collection on my XX/XX/XXXX credit file. Upon further investigation, this account was transferred or sold and i am no longer responsible for this account. XX/XX/XXXX has failed to verify this account, since my initial dispute in XX/XX/XXXX. Also there was no written form of communication, contract or signature for this accused debt at all.A bill without a signature does not validate the debt in any way, shape or form. Anybody can send a bill and say it belongs to me. According to the FCRA, XX/XX/XXXX has violated my right as a consumer. Therefore, I am requesting legal action to remove this negative item from my credit report immediately.
Product: Debt collection

Have a derogatory mark on my credit report for a fraudulent credit card charge. 

A fake credit card was used to start a subscription in XXXX that then went delinquent. First contact from any business about the account was made in XXXX of XXXX after a derogatory remark was made on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Financial is reporting two accounts in my credit profile under an authorized user. Let me be clear I have never held a Synchrony Financial card for JCPenny nor carecredit much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my XXXX  report, however, I have confirmed the existence of these accounts with XXXX and XXXX
Product: Credit reporting or other personal consumer reports

The morning of XX/XX/year> I received notification that on XX/XX/year> a hard credit check was run without my authorization. This showed up on my credit report as CITICARDS - CITIBANK NA., BEST BUY. I called the customer service for Best Buy credit cards at XXXX. The representative utilized my SSN to inquire if any cards had been opened using my information and she reported that my SSN was not used, therefore they did not run a credit check. I called XXXX who placed a fraud alert on my credit and has opened a dispute.
Product: Debt collection

ARRGON AGENCY INC XXXX XXXX XXXX XXXX  XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$92.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card or prepaid card

On or about XX/XX/2020 I submitted a number of disputes on my Citi Credit Card ending XXXX totaling roughly {$87.00}. 

The transactions in question are transactions made by merchants which I have legitimate transactions with, XXXX and XXXX ( an XXXX company ). However, I began to notice some transactions that did not appear to match my purchase history with XXXX and XXXX going back over the two months prior and I suspect was occurring even further back. I submitted the disputes using their digital channel and received a request for contact roughly a week later to confirm I had the card in my possession which I confirmed over the phone. I also advised the person I was speaking to at the time that strangely I had been in contact with XXXX about another transaction that they already refunded me for and had advised me that there was an XXXX XXXX account my card was attached to. I believe perhaps this other XXXX XXXX account is where those fraudulent charges originated. 

A few days after that phone conversation I receive a letter from Citi indicating my dispute is closed due the use of my XXXX chip at a chip enabled card reader. Well, that isn't possible. The transactions I disputed as fraud were all online transactions therefore no chip reader possible. 

I attempted to resolve this issue today, XX/XX/2020 by calling Citi multiple times with no avail. Each time I spoke to someone they repeat what is on the letter even though I have explained multiple times that the transactions could not possibly be made at a chip reader and that whomever processed my fraud investigation did so incorrectly. Every time I called, I got disconnected. EVERY SINGLE TIME. Even asking to speak to a supervisor I got disconnected. After 3 attempts at phone contact and wasting 1.5 hours trying to get this resolved I gave up and am submitting this complaint. 

Citi makes it very difficult to reach them and have a conversation about a situation like this or to escalate to their management team. All I want is my fraud dispute to be handled correctly and my money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as my lawful and rightful consumer declaration of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this compte rendu represents my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately fashioned a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! 
Sir/Maam, I am writing you with this formal protest and a call for swift action on your part. You are non-compliantly reporting not-compliantly to the XXXX XXXX XXXX and damaging my credit. You are Suspected to be in transgression ( s ) from or of the FCRA aka the Fair Credit Reporting Act. The violations might well be subject to fines and damages. I am providing you but this one last opportunity for adequate modification of this alleged credit circumstance. Previously, I had sent you a letter advising you that you were inaccurately reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to ensure only compliant information is retained on my file. Due to your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non- compliantly reported in that it implies that my sent notice was disappointingly disregarded.