23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

To whom it may concern, I had the opportunity to obtain and review a copy of my credit report. Upon reviewing my credit report I noticed that the Ally Financial account is still reporting inaccurate information. I have included a detailed description of the reason for my dispute below : I received numerous phone calls about a debt I owed to Ally Financial. I spoke with a representative on XX/XX/XXXX, informing me that I had an outstanding balance due for and auto loan that I obtained in XX/XX/XXXX. I explained to the representative that I had traded in the car in question in XXXX of XXXX and my account had been paid in full as of XX/XX/XXXX per the letter that I received from Ally Financial. I was told to email a copy of the letter I received showing that my account was paid in full. On XX/XX/XXXX, I sent an email to XXXX. The representative told me that my email would be reviewed and a manager would contact me. No one ever contacted me regarding the email. The calls stopped for a few months and then they started back around XX/XX/XXXX, still stating that I owed a balance. I told the representative that I had emailed a copy of the letter I received stating that my account was paid in full. The representative had no notes of this on my file. I was told again that my account would be sent to a manager and someone would be in touch with me. Again, I received no contact via phone, mail or email from Ally in regards to my account being closed. On XX/XX/XXXX, I sent a letter to the three credit bureaus ( XXXX XXXX XXXX XXXX XXXX stating that the Ally Financial Account was reporting incorrect information on my credit report. I provided the letter I received from Ally to the credit bureaus. On XX/XX/XXXX, XXXX sent me a letter stating that this account had been removed from my credit report only for it to be added back to my credit report again a few weeks later. The balance that was being reported on my credit report was {$560.00}. My credit report also showed that the account was in good standing and that I had been making on time payments since XXXX, which was false because I no longer made payments to Ally once my account was closed. On XX/XX/XXXX, I sent a certified letter to Ally informing them that my account was still being reported inaccurately and I would like for them to remove this account from my credit report. At the time that I sent the letter to Ally the balance reported on my credit report increased to {$560.00}. Ally received my letter on XX/XX/XXXX. Today, XX/XX/XXXX, I received notification that my credit report had changed. When I reviewed my credit report, Ally now showed that I owed {$1000.00}, which was a {$440.00} increase from the previous balance that was being reported. My account was also flagged as being 180 days past due. This is unacceptable for this company to continuously ignore the proof that my account was paid in full and further more that they continue to report inaccurate information without any explanation. I would like this account removed from all three credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ XX/XX/year> ] Experian Consumer Solutions XXXX XXXX XXXX XXXX, TX XXXX Subject : Request to Update and Correct Inaccurate Credit Information Dear Experian, I am writing to request the correction of inaccurate information on my credit report. Upon reviewing my credit file, I noticed discrepancies in the reporting of the following account : Account XXXX : The report indicates conflicting statuses for this account : {$17.00} debt and 9 % utilization. This inconsistency does not reflect the actual status of the account. I request that the correct status be updated in your records. 
As required under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure that the information in credit reports is accurate and up-to-date. The discrepancies in this accounts status violate FCRA standards for accuracy as specified in 15 U.S.C. 1681e ( b ).

Please conduct a thorough investigation to verify the correct status of this account and update your records accordingly. Additionally, provide me with an updated copy of my credit report reflecting this correction. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely,
Product: Credit card or prepaid card

XXXX XX/XX/2020 I PURCHASED AN ITEM USING A CITI BANK CREDIT CARD. THE PURCHASE VENDOR WAS DIFFERENT AS REPORTED ON THE CITIBANK CARD STATEMENT THAN THE WEB SUITE PURCHASE. CITIBANK WAS NOTIFED AND THEY CANCELLED THE TRANSACTION AND THE CREDIT CARD. THE VENDOR HAD ALREADY SHIPPED PART OF THE ITEM AND HE CONTACTED ME. WE AGREED THAT THE TRANSACTION HAD BEEN CANCELLED SO I PAID HIM BY WIRE TRANSFER. PRIOR TO SENDING THE WIRE TRANSFER, I AGAIN CONTACTED CITIBANK SECURITY/FRAUD AND THEY ASSURED ME THAT THE TRANSACTION HAD BEEN CANCELLED ON THEIR END AND THEY WOULD NOT PAY THE VENDOR BECAUSE THE TRANSACTION WAS CANCELLED. 
AFTER SENDING THE WIRE TRANSFER TO THE VENDOR, CITIBANK SECURITY CONTACTED ME REGARDING THE DETAILS OF THE CANCELLED TRANSACTION. I SENT CITI SECURITY PROOF ON XX/XX/2020 THAT I HAD PAID FOR THE ITEM AND THIS WAS NOT A PART OF ANY CREDIT CARD CHARGE. CITI SECURITY HAS CONTINUED TO MAKE DEMANDS FOR PAYMENT AND HARASSED OIUR FAMILY -- -2-3 CALLS PER DAY OVER THE LAST 18 MONTHS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 Incorrect Name - XXXX XXXXXXXX Incorrect Name - XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX  XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX - IncorrectPersonal XXXX XXXX  XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX auto loan is still reporting as a closed account but many months that were past due. During the XXXX  XXXX pandemic, I entered into an agreement per the federal and XXXX  XXXX that allowed for a payment readjustment during the emergency. XXXX  per law agreed to the adjustment. 

Once the pandemic period was over, XXXX re updated all the old late payments. They violated the agreement that we had in place. 

I have disputed this with the credit bureaus as well and I am requesting that they delete the record on file per US code 15 USC 1681 I US Fair Credit Reporting Act and US 1681 E and all other applicable codes. 

Please remove from my credit report per XXXX Payment Agreement that you didn't honor
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX  XXXX Bankruptcy - XXXX XXXX - XXXX - XXXX XXXX bankruptcy
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. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Balance {$480.00} Inquiries : XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX
Product: Payday loan

Lender required bank verification by logging into account on their site that included answering a security question. My account is now at risk. I was told I was approved then after verifying the account I was denied.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXXXXXX BALANCED {$890.00} XXXX XXXX  XXXX BALANCED {$2700.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX  {$800.00} XXXX XXXX BALANCED {$1100.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$2900.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Student loan

I recently took time off from school, so am no longer enrolled half-time, and have re-entered repayment. I logged in last week to the servicer ( MOHELA ) website, and saw a XXXX balance and no payment due. Then, today, I received an autodebit notice, so I logged in to check. The autodebit is set for XXXX, but my account is now showing overdue. When looking further into it, I noticed a statement was posted to my account on XX/XX/XXXX, with a due date of XX/XX/XXXX, and now my account is showing overdue. Is it not against the law for servicers to send a bill that is due on the same day the bill is printed?
Product: Checking or savings account

I'm writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorize, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a billing error dispute for my XXXX XXXX XXXX Home Equity Line of Credit account. 
Since XX/XX/XXXX, I have not received any of my paper billing statement for my XXXX XXXX XXXX Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent XXXX  XXXX XXXX letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). XXXX XXXX XXXX has failed to send me paper statements for the month of XX/XX/XXXX to XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that XXXX XXXX XXXX is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX by phone and XXXX XXXX XXXX acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXX and that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per XXXX  XXXX XXXX, my minimum payment due changed on or about XX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX. Every month since XX/XX/XXXX, I sent XXXX  XXXX XXXX a written notice stating that I have not received the statement for the month I mailed out each notice.
Product: Debt collection

notice on my credit filed, a debt collection agency by the name Syndicated Office Systems, LLC, which does business as Central Financial Control sent a debt validation letter to debt collection by certified mail, Tracking Number-XXXX received on XX/XX/2015 with no response, follow up with a second letter of no response sent by certified mail Tracking Number-XXXX received on XX/XX/2015, to close this matter and remove from my credit file. with no response
Product: Mortgage

I feel like nightmare in XXXX countless headaches, an insurmountable amount of stress and confusion while trying to close on a home using their " services ''. They set a closing date of the XXXX, But yesterday, a loan officer of their team proposed a lot of conditions that we couldn't fulfill. I don't understand why it was proposed at this time, I didn't feel that they were working for three weeks before, and we thought everything was going well. which made me feel that they didn't want to help us. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Licensed in CA
Product: Credit card or prepaid card

I opened a business rewards card account for my company in 2012 at the First Citizens Bank branch in XXXX, NC. The purpose of the account was for myself and my employees to pay business expenses and earn rewards. There was a total of nine cards issued in the names of myself and eight of my employees. The total charges have been billed to my company with a master account and were paid promptly each month. The purchases on the cards each month have been substantial since 2012. 

I have received no statements about rewards earned and little information about the account. I recently made a call to the bank 's credit card department to inquire about the total of rewards earned. I was told by that department that only one of my company 's card accounts has earned any rewards at all. The other eight cards have a XXXX rewards balance. I was told that a bank employee had set up the eight accounts incorrectly so as to earn no rewards. I then asked that those accounts be credited with the proper rewards that should have been credited since the inception of the accounts. That request was refused by the bank. I then asked to speak with a manager. I was told that no manager was available and that I should contact the First Citizens branch where the account was opened. I have made three calls to the branch including two voicemails directly to the branch manager. No calls have been returned. 

I have been " stonewalled '' by this First Citizens branch and its manager. My account should have earned several thousand dollars in rewards and there has been no attempt to even discuss the problem or resolve it.
Product: Credit reporting or other personal consumer reports

!!! THIS ACCOUNT IS ACTING AS A COLLECTIONS & CHARGE-OFF AT SAME TIME!!! 

XXXX XXXX  Account # XXXX Date Opened : 2 DIFFERENT DATES OPENED ( INACCURATE ) The " Date Opened '' is reported as XX/XX/XXXX on Transunion XXXX But XX/XX/XXXX on XXXX. This is very Inaccurate, there is no way this Account is 100 % Accurate with 2 Different Dates. 

Date of Last Activity : XXXX DIFFERENT DATES OF LAST ACTIVITY ( INACCURATE ) The " Date of Last Activity '' is reported as XX/XX/XXXX on Transunion, But XX/XX/XXXX on XXXX. This is very Inaccurate, there is no way this Account is 100 % Accurate with XXXX Different Dates. 

Dispute Status : ACCOUNT NOT DISPUTED ( INACCURATE ) Dispute Status Never changed even after 30 Days. 

Two-Year Payment History : DIFFERENT PAYMENT HISTORY ( INACCURATE & INCOMPLETE ) The absence of information for Transunion & XXXX in the " Two-Year Payment History '' section is Questionable and Inaccurate. If there have been payments or activities within the last XXXX years, they should be accurately reported. 

!!! THIS ACCOUNT IS ACTING AS A COLLECTIONS & CHARGE-OFF AT SAME TIME!!! 
XXXX BANK IS ACTING AS A CHARGE-OFF, BUT AT THE SAME TIME GAVE MY PRIVATE INFORMATION TO XXXX XXXX XXXX , A COLLECTIONS AGENGY. THIS IS ILLEGAL I NEVER DID BUSINESS WITH NOR SIGNED A CONTRACT WITH XXXX XXXX XXXX.
Product: Debt collection

I received a Letter of Notice of Unpaid Electronic Fund Transfer from TRS Recovery Services. Reference Number : XXXX. When I contacted them, I could barely understand the customer service agent to dispute the charge and request copies of all documents. I was told to send in a online request. When I attempted to fill out the form online, all the form did was error out when I submitted. The CSR told me to call the financial institution of the alleged account. I don't have an account with that financial institution, so their fraud department was unable to assist. I also called TeleCheck Services Inc., and they were unable to assist since I'm not in the system. This business wanted my personal information for some reason without providing copies of the debt they say I owe. 
When I contacted the local police department of the incident, the officer wanted information was was not provided by TRS Recovery Services. 

TRS Recovery Services & TeleCheck Inc. believe you are guilty until I clear my name. I will not provide my financial information any personal identifying information until TRS/TeleCheck provides documentation of a debt. 

TeleCheck may not approve my checks at stores and financial institutions according to the collection letter. Even though it's not my debt. 

I AM DISPUTING THIS DEBT.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed any issues brought to their attention. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX GA XXXX Account Number : XXXX [ XX/XX/2018 ] To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains [ a 30, 60, or 90 days past due date, was past due 120 days or more.

I want you to know that I understand my financial obligations, and if it werent for [ My mum was in a bad medical state and I had to put everything on hold to take care of her ], Id have an excellent repayment record. I made a mistake in falling behind, but since then, [ I have gotten a better job and I am in a better state financially ]. I will like to make payment arrangement in return to have my late payment history deleted and I promise not to miss one payment going forward.

Im planning to apply for [ a mortgage/auto loan/etc. ], and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on [ date ]. 
Thank you for your consideration, and I hope youll approve my request. 
Best, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item to be errors. Here as follows are items in error : 1. I have never been late with payments on this account. 
CAPITAL ONE Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
CAPITAL ONE Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

I keep sending request disputing letter to the Bureaus and no response. nor from Capital one.