23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the inaccurate and misleading information appearing on my credit report regarding the XXXX XXXX XXXX, and XXXX XXXX accounts. I demand an immediate investigation and correction/suppression of the following discrepancies, as they violate XXXX XXXX XXXX guidelines : XXXX XXXX XXXX XXXX Account # XXXX ) : XXXX. Conflicting Late Payment Reporting : " Was 30 Days Late XXXX XXXX '' conflicts with the " Payment Status '' of " Late XXXX  Days. '' XXXX. Ambiguous Comments : Remarks such as " Account Was In Dispute - Now Resolved '' contradict delinquency reporting. 
XXXX. Past Due Amount Conflict : The " Past Due Amount '' ( {$120.00} ) conflicts with the " Payment Amount '' ( {$280.00} ). 
XXXX XXXX ( Account # XXXX ) : XXXX. Erroneous Late Payment Status : " Late XXXX  Days '' contradicts remarks indicating " XXXX  Days Past Due. '' XXXX. Balance and High Credit Mismatch : " High Balance '' ( {$240.00} ) does not align with " Balance Owed '' ( {$210.00} ). 
XXXX. Missing Account Information : Critical fields such as " Account Type Details '' are missing, violating XXXX XXXX standards.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection.

According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

I have used Cash App for a long time without issue. When I receive a payment, I press to have payment instantly deposited. I pay s small fee and it instantly loads to my debit card. This debit card is connected to my bank account. They will not allow you to use a debit card without inputting your bank account associated to the debit card. My payment for XXXX I proceeded as usual. I never received the funds. It stated it went to a bank account I wasn't familiar with. In email only, because they don't take calls, they refunded the fee of XXXX for not being instant payment. Now they claim it went to an account I haven't used in years. As I stated above a consumer can't use a debit card with this app without an associated bank account. Someone there just took the money. I don't enjoy being stolen from. I really needed those funds for rent. Now I am having to pay a late fee and getting filed against. I haven't used the account they state in years. It's not associated with my cash app. It just suddenly appeared. And your deposit only gets routed to your account if you don't choose the instantly deposit option to avoid the fee. I never chose that option, and they refunded me the instantly deposit fee of XXXX for the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion doesn't reply to any correspondence moving forward i will only sent certified mail XXXX  Sales Financing XX/XX/2021 TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX Cards Issued by Finance Companies XX/XX/2021 TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/2021 TransUnion
Product: Credit card or prepaid card

I have a store card with XXXX thru XXXX XXXX. I am set up for automatic payments. I received a phone call from XXXX saying I haven't paid in 2 months. This is the second time this has happened with XXXX ( I do have other accounts with XXXX ). Because of the first time my credit limit was lowered. I thought I would use it again and try to rebuild my line of credit with them. Whan I talked to the representative, she was being evasive when I asked if this was going to be corrected on my CBR. She would say it would show me as current. I had to get specific, even though she knew what I was asking, and see if the late payment would be removed from the CBR since there was a reasonable expectation for the payment to be made per the arrangement on the website. The rep stated that it did come out for the one month but it stops after 6 months. I never say this on their website, nor was I given an alert letting me know my auto payments were about to expire and would need action on my part. She even asked if I wanted to make my past due payments with the checking account on file!!! It is the same checking account I have had for 20 yrs and the money was always there so I agreed to the payment t be taken immediately. When I asked to speak to a supervisor about this situation I was put on hold and then the call disconnected.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint : XXXX Credit Report Error and Fraudulent Reporting Date : XX/XX/year> Consumer 's Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email/Phone : XXXX XXXX Company Involved : Transunion ________________________________________ Nature of Complaint : I am submitting this complaint against Transunion for continuing to provide inaccurate information on my credit report. I previously filed a complaint with the CFPB about XXXX failing to provide accurate and complete information on my credit report over a month ago. However, the situation has worsened, and now Transunion is wrongfully reporting my legitimate credit card accounts as fraudulent, which is not the case. These accounts have never been fraudulent, and I have documentation to support this. 
Transunion fraudulent reporting has resulted in my credit card companies canceling my accounts. Specifically, my XXXX XXXX and XXXX cards were canceled, and I have had to go through the process of getting them reinstated. However, there is still a risk that other accounts will be affected by this misinformation. 
I am requesting the following actions : 1. Immediate correction of the fraudulent reporting on my Transunion credit report. 
2. A full investigation into why this incorrect information is being reported. 
3. Immediate communication from Transunion to the credit card companies to prevent any further cancellations or issues with my accounts. 
4. Compensation for the hardship caused by Transunion reporting error. 
Supporting Documentation : Screenshots or copies of my credit report showing the fraudulent entries. 
Correspondence with XXXX XXXX and XXXX regarding the account cancellations and reinstatements. 
Any other relevant documents supporting that these accounts are legitimate and not fraudulent. 
I respectfully ask the CFPB to assist in resolving this matter promptly, as Transunion inaccurate reporting is causing significant damage to my credit and financial wellbeing. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX
Product: Credit card

Synchrony bank has reported my synchrony care card, which is medical debt as no status no balance and is causing a potentially negative review on my XXXX report Recently, after some review, I have seen that they have made the corrections on my XXXX and XXXX XXXX report and appear to be reporting it somewhat correctly This is also medical debt and its less than {$500.00}.
Product: Debt collection

I have discovered a debt on my Credit Report, reported by IC Systems Inc. I have disputed it, and it has come back as a valid debt. I have tried to call the company 12 times over he last week to resolve/pay/and get information on this debt, and I can not get a hold of the company. Every number I've tried, an answering service answers and hangs up on me, or they say they are not open, ( I called at XXXX on a Monday, and they are open during that time ). I do not believe this is fair reporting if I can not reach the company to resolve the issue on my credit report. I have exhausted all other options to get a hold of this company. Thank you.
Product: Credit reporting

I have disputed the issue with Clarity Services and with XXXX but have not received a final response. I would like to file a complaint against Clarity Services, XXXX XXXX XXXX, FL XXXX. On my XXXX credit report are XXXX unauthorized credit inquiries by Clarity Services. XXXX on XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. The other XXXX on XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX. I did NOT apply for these payday loans. I have placed a fraud alert and security freeze with Clarity Services. I have written a letter to XXXX requesting to have these fraudulent inquiries removed from my credit report. I have filed a police report as well. Now I would officially like to file a complaint against Clarity Services. I see that they were fined XXXX dollars in XXXX XXXX. Looks as if they continue to commit fraudulent practices against people. Thanks in advance for your assistance. XXXX XXXX
Product: Credit card

Dear CFPB, I am filing a complaint against Chase Bank for their failure to address a dispute. 

Following my purchase of a phone on XXXX, I discovered it had been previously used. Consequently, I initiated a return request. The seller provided a return address but did not include a pre-paid return label. Despite numerous attempts to contact XXXX and request a return label per their policy, I received no resolution. 

I explained my situation to Chase, but they provided various reasons to avoid facilitating the return. They suggested I did not need to return the item, and tactics such as delaying dispute submission until 15 days later were employed. 

The transaction details with XXXX XXXX are as follows : Amount : {$930.00} Transaction Type : Sale Transaction Date : XX/XX/2024 Posted Date : XX/XX/2024 Chase Bank has shown a lack of initiative in addressing this dispute and has not attempted to contact XXXX for XXXX. Their attitude has been both rude and arrogant. 

I request authorities to oversee this matter. 

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

This account was cancelled on the following date : XX/XX/2022 Since then, the account has been repeatedly updated as cancelled every month. This is an update to the payment history. A cancelled account should not include an active payment history. 
This inaccurate information falsely manipulates the statute of limitations. Please investigate this account properly after I asked you to do so TWICE and your negligence has violated my rights, I demand the deletion of the following account : Accounts Name : XXXX XXXX XXXX OF XXXX. Account XXXX : XXXX.
Product: Vehicle loan or lease

I applied for an auto loan with DriveTime on or around XX/XX/2024. I visited their XXXX XXXX dealership located XXXX XXXX XXXX XXXX XXXX, IL XXXX. I came in test drove the vehicle I wanted to finance expressed that based upon the approval they said I had this would be the vehicle of my choice. I was told that the lender ( XXXX XXXX XXXX ) required I have a down payment based on my personal information and income source I provided. called the lender and was told that they do not deal with down payments. so 1. they provided false information, 2. if I am financing the vehicle on a credit purchase based on all of my information I provided to them why would I need to provide a cash down payment for a credit finance transaction. So the approval DriveTime said I have is not an approval at all which is false and misleading.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I totaled my XXXX XXXX XXXX and i had XXXX XXXX. After XXXX payed they left me a balance of {$880.00}. I don't owe this as XXXX should have paid this car off.
Product: Debt collection

A company named XXXX XXXX XXXX contacted my brother in law stating I needed to sign electronic documents. They said if I didn't sign them I'd be arrested. He called and gave me their number. I called them. They are trying to say I owe a debt for a capital one card that I have never had. Nor has this debt ever been on my credit report. They said I can be arrested if I don't pay. I have never heard of this debt nor have I ever received anything in writing regarding it. Their phone number is XXXX. And they said I have a legal case number of XXXX. 
I explained I have never had this card. Nor have I ever received anything from them. They said it doesn't matter and I must pay either in full or payments or be arrested and go to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the person to always check their credit but I just check my credit through XXXX XXXX website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference complaint number XXXX. 

Select Portfolio Servicing in their response stated having submitted a request to suppression of a late reporting in XX/XX/XXXXon my personal credit bureau report. For a period of time this 30 day late was suppressed, however it is reporting again. Could you Select Portfolio Servicing please re-send the same suppression to the CRAs for the same period as they had done so before as I believe this will relieve part of my complaint with SPS? 

Regarding the late reporting showing on XX/XX/XXXX. This was a time period of extreme weather that impacted the processing of payments and deposits sent and received in this area. Roads were closed in some cases for several days and bank branches were unable to open. It is normal for creditors to waive late payment reporting in cases of extreme weather events and natural disasters. Could Select Portfolio Servicing please suppress this 30 day credit item from my report on that basis?
Product: Debt collection

Direct Recovery Services , LLC continuously seeks to collect on a debt that was involved in ID Theft for their client XXXX. They are harassing me, using foul language and using discriminatory statements in an attempt to collect a debt. This debt was deemed as Identity Theft by XXXX. Please see letter attached.
Product: Credit card

This is a followup to Claim # XXXX. I will enclose an email sent to me from American express that declined my credit increase due to XXXXXXXX XXXX lowering my credit limit.
Product: Prepaid card

my edd card was cut of in my funds were took in bnofa was giving me a runaround saying its a edd problem then edd  wouldsay the same that its a bofa problem so father a year in half I gave up but I do need my funds
Product: Credit card or prepaid card

I used my Apple Card running by XXXX XXXX, to purchase some furnitures at XXXX for a value of {$2100.00}. However, XXXX told me that a carpet valued $ XXXX was out of stock and they have already put a credit on the file for me. However, until today, I never received it. I tried to call XXXX 's customer service for more than 100 times literately and their call was so busy and can never been reached. 

I disputed this $ XXXX with Apple Card and provided them with the document I got from XXXX. However, after two-month investigation, they rejected my case, claiming that they had got some evidence from XXXX. I asked them to provide me with the evidence and apple card promised to mail it to me, however, they were never able to provide me with that. After communication, they rejected to serve me about this case without any specific reason and I did not get any evidence until today. I called them today, but they still claim that the evidence is still not available and they are not clear about the specific reason. They are hurting my right seriously right now with ignorant altitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently bought XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 
and the autoloan provided for this is Fifth Third Bank. 

I was able to make payments on my Autoloan continuously from XX/XX/XXXX till XX/XX/XXXX. Issue started with XXXX payments. 

Issue : My Car dealer sold me a wrong Car with different VIN number it seems ( Attached are the request from Dealer in SMS texts ). They urged me to come back and complete the new paperwork that reflects the new VIN number of the Vehicle. Which I did apparently, and asked them would this be an impact to any where like Funds, credit reports etc but they said no changes at all and you should be good just with paper work ( This happened in XX/XX/XXXX ). After this episode I normally logged in to make XX/XX/XXXX payment and then the Loan account ( {$30000.00} ) shown as Paid off ( Online ). I received the Old Vehicle Title and New registration in the Mail as well. 

Looking at this I had called in the bank to identify who paid it off, and bank did not disclose it, After a week time from the week paid off, I decided to login again and make payments if any, this time the new loan amount ( {$30000.00} ) was posted back, but when I tried making payments they did not let me do that by throwing an error called technical difficulties. This happened almost 6-7 times, then I contacted the bank to figure out the issue and they started making different stories all the time saying My source bank had the issue, later on they said its locked, and once they said this is because you missed your current payment and its gone to collections already. 

Starting XX/XX/XXXX I made numerous calls to bank and figure out a way to clear this out, but they were not helpful in resolving this issue and keep on transferring my called to various departments. I tried contacting XXXX and they said they do not care about these things once Car is sold out of the Lot. 

Please look into this issue and attached are the Texts from the XXXX XXXX regarding this change.
Product: Debt collection

WESTLAKE financial is refusing to send title information to the DMV so I can register the car that I purchased. The company calls me repeated throughout the day roughly 5-6 times per day. I have had the vehicle for roughly a year and they have never sent any documentation to the DMV even thought the DMV has repeated requested the documents. After a year I have finally given up and have tried to self surrender the vehicle so I can try and put this behind me but they have never picked the vehicle up. I continue to get calls all day and night and the staff are extremely rude and use abusive obscene language.
Product: Credit reporting or other personal consumer reports

I have a Home Equity Line of Credit with XXXX XXXX XXXX. This loan is for {$50000.00} and I have used {$47000.00}. The loan was to renovate and upgrade a home I purchased that was built in 1973. The home is collateral on this loan. My credit score dropped dramatically. After investigating it was determined that this Home Equity Line of Credit loan is being calculated in with Retail Revolving Accounts and has thrown my debt ratio above 30 %. That is having a detrimental effect on my XXXXedit score which has dropped more than 50 points. XXXX and XXXX are not doing this ( I don't think ). I have had this type of loan before and it was handled as a home mortgage account. Especially since my home is collateral for the loan and I use the interest, etc. as a tax deduction. This is not a credit card or revolving credit account. It is, however, a home mortgage account and needs to be treated as such or this will fall out of favor with consumers very quickly. The credit bureau is telling me that I have to refinance my mortgage loans to fix this. That is considerable cost as interest rates are high at the moment and refinancing one or both of my mortgage loans will result in excess of {$10000.00} in closing costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I found via updated credit report that there were inquiries that I am unaware of. I contacted the bureaus via phone in efforts to dispute those unknown inquiries. However, contacting the bureaus to dispute was unsuccessful. 

Equifax = 17 XXXX = 6 XXXX = 11