23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I requested my credit report and noticed I had a charge off balance of {$530.00} with XXXX XXXX. I contacted ERC which was the company who purchased this debt from XXXX XXXX and they provided me with an installment monthly repayment plan of {$210.00}. I made three payments one was made on XXXX ; the second one was on XX/XX/XXXX, and the last one was made on XX/XX/XXXX.  After this, I received a letter from collection agency stating this debt was paid in full in the amount of {$620.00}. I proceded to send XXXX evidence of the payment in full for this debt and requested them to correct my credit report for this debt to be paid in full. XXXX sent me a letter indicating this account does not appear on my credit report, but it still is being reported as past due and charge off with a balance of {$530.00}. I request your assistance in this matter, since this account is adversely affecting my credit score.
Product: Money transfer, virtual currency, or money service

- Merchant 's name XXXX XXXX - Amount XXXX - Date of the transaction XX/XX/2023 XXXX PM Transaction posted but reward for payment never arrived. Contacted customer support who told me " For rewards related inquiries, Customers can reach out by phone ( call the number XXXX select option 5 followed by option 1 for questions/concerns regarding account information, trading, rewards, deposits and withdrawals ) live messenger, or fill out the support form located at : https : //help.coinbase.com/en/contact-us '' Opt 5 and opt 1 does not exist on XXXX. 

Called company anyways, waited one hour, found out need " account specialist department '' but they aren't reachable through phone or any other method. 

Forced to use CFPB to get response.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Jefferson Capital LL Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

We ordered 3 pieces of furniture from XXXX XXXX on XX/XX/XXXX for {$XXXX} The offer when buying this furniture was either 12 months 0 % financing or Store Rewards when using your XXXX XXXX credit card. I signed up for the credit card with 12 months 0 % financing. When the first bill came in the mail, I paid {$XXXX} towards it on XX/XX/XXXX ( minimum payment was {$XXXX} ). This was paid ahead of the due date ( XX/XX/XXXX ). When the second bill came, I looked at my account and saw there was a finance charge of {$XXXX} from XX/XX/XXXX. I called XXXX XXXX ( the bank behind the XXXX XXXX credit card ) and they confirmed I was charged interest and said they would get it fixed. This was on XX/XX/XXXX. 

After being on hold for 15 minutes, someone picked up the phone but they were from XXXX XXXX XXXX. They said they couldnt help me and transferred me back to the bank. Again I explained the issue to a new representative, and they said they would have to transfer me back to the store. I told this representative that I had just been through this, so Im hoping the next person will be able to help. They said yes, that this new department deals with this exact issue. Again I was put on hold and a sales associate from the online orders department picked up. She said she could not help me as she handles online orders and isnt the bank. I explained my frustration and she eventually sent me to someone else. This final person said they would submit a dispute for me. 

In the meantime, my husband tried calling the store where we made this purchase. The associate who picked up new exactly the isssue and said XXXX, the XXXX, specifically deals with this issue. XXXX was going to call me the next day. 

Fast forward 1 week and I have not received any further communication about this. XXXX has not called and I have not received anything from XXXX XXXX. On XX/XX/XXXX I called the XXXX XXXX location where we made the purchase. I spoke to XXXX who again new exactly the issue. I explained that I need to speak to a XXXX. In the background, the XXXX on duty XXXX told XXXX that she couldnt do anything and to get my phone number so someone else could deal with this. XXXX took my information and also confirmed that she could find my purchase in the system and that it was the sales associate XXXX that originally handled my transaction. XXXX said XXXX will call me the following day when she is in. Again I explained my frustration but nothing has been resolved. 

To avoid any more interest charges, I scheduled to pay off the entire credit card balance on XX/XX/XXXX. However this isssue is not closed. XXXX XXXX is using fraudulent financial practices. I agreed to the financial terms of 12 months 0 % financing and they did not honor that. Even more so, they havent done anything to help me. They acknowledge the mistake and are well aware that this is an ongoing issue, but they refuse to do anything about it. They are harming the community financially. Secondly, I expect a refund of {$XXXX} for the fraudulent interest charge.
Product: Mortgage

WE ARE TRAYING TO WORK WITH THEM BUT THEY ARE NOT WILLING TO WORK WITH OUS -- -WE HAVE BEEN SCAM BY A ATTERNEY MODAFICATION COMPANEY
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am requesting Upstart to remove its information from my credit report. I sent a letter on XX/XX/2023 to ask for verification of this account. However, a letter was sent on XX/XX/2023 referring that its company is unaware of a account in my name. Therefore, they were not able to verify the information. I'm sending another letter on XX/XX/2023 yet again asking for verification. 

Upstart is in violation of the following, XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) XXXX. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX, and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX ) and I was never 120 days late ( XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

This is XXXXne of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating it within the legally required time range. The false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX, Equifax I feel that these accounts are adversely affecting my consumers report and costing me a boat load of extra money in interest year after year. This is not a regular dispute as i have already filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX ( XXXX  ) because to my knowledge I do not recall these ALLEGED accounts. I need this problem to be fixed PROMPTLY. I will not wait another fifty or sixty days to receive a no response because clearly this has been an intentional and deliberate attempt to ignore me as the consumer. I demand these accounts be removed and deleted IMMEDIATLY or i will be forced to file for litigation due to this long and drawn out stress that you have caused not only me but has hindered my ability to provide for my family. Section 611 ( a ). It is plainly and clearly stated that a failure to investigate this erroneous items within thirty days gives a legitimate reason to immediately remove those items from my consumers report it has been over 50 days so they should be removed and deleted promptly. I AM THE ONE AND ONLY PERSON WHO WROTE THIS DISPUTE. PLEASE DO NOT RESPOND BACK SAYING ANYTHING OTHERWISE.. THANKS FOR YOUR TIME
Product: Debt collection

RECEIVABLE RECOVERY XXXX - I have no record of any contact from this company regarding a small {$310.00} medical bill. They have placed a delinquent notice on my credit report. I moved recently and it 's very likely they sent bills to the wrong address.
Product: Debt collection

I canceled my internet service with XXXX on XX/XX/year>. They gave me 30 days to return their XXXX XXXXXXXX device to them through XXXX. When I tried returning their XXXX XXXX XXXX XXXX did not accept the device and I let XXXX know. They said that they understood and that I didnt have to ship the device. I would not be charged any fees. Since then I have continued to receive late fees from XXXX and now a debt collection agency is asking me to pay over XXXX dollars in late fees. I have contacted XXXX multiple times explaining the situation and how to resolve it, and they never reached out or emailed a solution. My credit score has dropped XXXX points because of this. I think its unfair that I have to pay for a Companys mistake. Please help me resolve this. Thank you.
Product: Checking or savings account

Chime / XXXX XXXX.A fraudulent charge of {$100.00} from XXXX in Arkansas was charged to my checking account on XX/XX/2022. I live in WV. The notification came up on my mobile device, I immediately cancelled my debit card because I didn't make that transaction. I called chime to file dispute, they informed me it was pending and I couldn't file a dispute until it was no longer pending. XX/XX/2022, the charge was no longer pending so I called to file a dispute. Less than 10 minutes after I filed the dispute I got an email stating that my dispute was denied that I did not provide enough proof that it was not me that made the transition. I called chime services again and spoke to a manager who stated that she would have me provided the reason why it was declined and was going to reopen the claim. Again less than 10 minutes later I received another email stating again that my claim was denied due to me not providing enough information that it was not me. I have stated that it is fraud and yet chime is refusing to reopen my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Credit card companies selling information to other companies that I did not sign with, or I pay off cards but they still charge me yearly fees that Im unaware off
Product: Checking or savings account

In XXXX of XXXX, Truist Bank set up a XXXX XXXX acct ( XXXX ) on my personal checking acct ( XXXX ). This XXXX XXXX is some type of XXXX that started with {$320.00}. I called Truist and I can never get a straight answer. They told me that they thought it might be fraud and sent another debit card. but I could not get them to understand that I never requested a loan/ready-line. Nor have I borrowed any money from them, never charged money on my debit card or had an overdraft. They have been deducting a monthly charge of {$10.00} plus interest at 18 % for 2 years and I can not get them to stop and refund my money. They have deducted a grand total of {$330.00} from my account over the last two years. I would like this money refunded and the XXXX XXXX closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to my most recent copy of Transunion and XXXX consumer report. I see that an XXXX Bank account is reporting on those 2 consumer report without my written consent and also is reporting account transaction information also adverse information regarding alleged account. Please be advised I am not requesting account verification via XXXX  nor other third party consumer reporting agency. I want to make it known that XXXX XXXX, Tranunion, and XXXX are violating my consumer rights regarding this account. 15 U.S. Code 1681c states that no adverse information is allowed on the consumer report. XXXX XXXX  reports that the alleged account is a charge-off/ late payments on the account. 15 U.S. Code 1681b states that a consumer reporting agency shall furnish information In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. It is evident that Transunion and XXXX current compliance procedures have failed me as a consumer. I am sure If I completed a Freedom of Information Act form to request accounting information related to XXXX bank as well as XXXX XXXX to see how the consumer data has been securitized and being traded. I will also look into a Forensic Accounting audit by a XXXX XXXX to capture the security fraud that is currently being committed by these companies regarding my consumer data/signature/applications. 
XXXX XXXX XXXX XXXX XXXX # XXXX Commission file number XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Equifax reported a hard credit inquiry on my report. I had just finished an employment background check from the XXXX XXXX XXXX Department [ XXXX XXXX in California. When I discovered this, I went to XXXX XXXX XXXX XXXX Department and spoke with the XXXX XXXX XXXX XXXX XXXX there who assured me that he communicated with Equifax to help satisfactorily handle this matter. Regardless, Equifax as of today XXXX is still listing a hard inquiry from XXXX XXXX XXXX Department. My claim or customer # with Equifax regarding this matter is : Case # XXXX Credit File # XXXX XXXX  last followed-up with Equifax on XX/XX/2019 to no avail. They simply refuse to delete /remove the inquiry even when requested to do so by XXXX XXXX What are my options, should I hire an attorney to make them comply with the law and stop reporting erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pick up truck was totaled in XXXX  of 2019. Insurance paid vehicle in XXXX  2019XXXX XXXX   has not updated credit bureau.as of XXXX/2019. XXXX  says I owe {$10000.00}, XXXX  says {$440.00}, Equifax says account is closed. Also XXXX XXXX  has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not
Product: Credit reporting or other personal consumer reports

RE : File # XXXX CFBP Complaint ID XXXX Equifax needs to delete disputed accounts ( XXXX XXXX account # XXXX XXXX XXXX account # XXXX ) from my report within 14 days. According to Equifax, complaint ID # XXXX verified these accounts as accurate. Upon my inspection it is clear that accuracy and fairness of credit reporting by Equifax was negligibly noncompliant. On my Equifax report it shows my name as a XXXX XXXX XXXX  which is NOT ACCURATE. I have never been a XXXX XXXX XXXX  nor have I had XXXX XXXX XXXX in my name, other non-Equifax reports will confirm this. How can an investigation be " verified '' according to Equifax and also remain fair and accurate as defined under the 15 U.S. Code 1681 if the name is not accurate? The use of XXXX XXXX XXXX  denotes a totally different name and individual. Equifax has failed as required by the FCRA 15 U.S.C. 1681i et seq. and 15 U.S. Code 1681i et seq. and 15 U.S. Code 1681c et seq. and 15 U.S. Code 1681b et seq. I am requesting the correct update to my name, deletion of XXXX XXXX account # XXXX and XXXX XXXX account # XXXX from my report because they were never verified correctly and accurately at the time of investigation. Any continued failure to report otherwise will be witnessed as willful non-compliance and subjected to a {$1000.00} per day fee for each violation and after 14 days an attorney fee of {$25000.00}. Thank you for your attention on this matter.
Product: Credit reporting or other personal consumer reports

The following companies are reporting hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Today, XX/XX/2019 at XXXX, Huntington Banks online service is down due to some technical issues. I can not access my account at all, and the nearest branch is 15 miles away!! I also needed to print out my balance and can not do that either! 
Fine this bank for negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I was alerted by one of my creditors that my DTI was extremely high as they were reviewing for a potential credit increase. this was due to my mortgage company reporting my loan twice making it appear that I have multiple home loans to the tune of XXXX XXXX dollars. I contacted them to have it corrected and sent them documentation showing the duplicate entries. they replied it should be fixed by Monday. Monday came and nothing has been fixed. 

on XX/XX/22 they contacted me and told me that the information reported on my credit was correct. even as I told them I only have one home loan with you and to explain the other loan. I have informed them twice now that they are causing me financial harm and hardship as this has lowered my credit score by over XXXX points and I have credit card companies asking me to get this fixed or they will close my accounts. even as I have paid all my bills on time.