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

Paid off debt in total to XXXX XXXX XXXX  approximately 7 years ago. I never heard anything more from XXXX XXXX XXXX. 
Received a Form XXXX this year, indicating that the debt had been cancelled and that I had to claim as income on my taxes. 
Contacted them to correct this error. I have not received a reply by mail or phone and tax filing date is a month away.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal obligations. The first section of this summary sets forth the responsibilities imposed by the FCRA on all users of consumer reports. The subsequent sections discuss the duties of users of reports that contain specific types of information, or that are used for certain purposes, and the legal consequences of violations. A 15 U.S.C. 1681 letter without a name refers to a specific type of correspondence used in the context of consumer protection laws in the United States. Under the Fair Credit Reporting Act ( FCRA ), which is codified in Title 15 of the U.S. Code ( U.S.C. ), individuals have the right to request and dispute information contained in their credit reports.
Product: Money transfer, virtual currency, or money service

Wire transfer intended from my business, to another business XXXX XXXX XXXX XXXX. According to my bank, money was transferred to an account at CitiBank, not to the intended recipient, XXXX XXXX. CitiBank will not respond with where the money actually went. Routing no : XXXX, account number XXXX. Attempts to contact CitiBank at XXXX ( transfered to another number ), XXXX ( told not this department ), XXXX, per XXXX, they only handle credit card fraud, XXXX ( told to call XXXX ), XXXX ( recording that " the number is not available, goodbye '' and disconnects ), XXXX ( recording that this is a " non-working number '' and disconnects ), XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with Equifax reporting and being able to access my dispute information. I contacted Equifax via chat about the major diffrence between in my score that they show on XXXX XXXX and what my bank is showing. When I contacted them through Chat ( because they impossible to get in touch with ) about this they sent me a link that was no explanation to my question. Later that week I received an email that my dispute had been resolved and I could check through their website. I tried every thing they said to access it and it wasnt available so once again I contacted them and they said they were having technical difficulties. As of today, three days later I am not able to access my disbute. And when I checked my XXXX XXXX report today my score has dropped 33 points and is showing old information that WAS currently showing updated three days ago. There is no way my score should drop 33 point in three days. And I tried to dispute this and it says my information is incorrect ( same as its been showing since their so-called technical difficulties ) and will not let me dispute. They are messing with peoples credit and I think its funny that I havent had this problem until I started questioning them about their reporting practices. I need to know why my information was updated and current as of days ago and know not showing being updated for months and my score dropped 33 points. There is no way this should have happened and they need to be investigated. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

XX/XX/XXXX I did an internship in the state XXXX. I paid my taxes and filed my taxes with an accountant friend of mine. I was in XXXX school and had done work that year in XXXX different states. We filed taxes in all XXXX states, but we did not attach the physical XXXX to the XXXX tax return as it was not required in any other state and my accountant was not aware of the rule XXXX. XX/XX/XXXX my credit report showed that I had a tax lien from the state XXXX. This had a major negative impact on my credit report of over XXXX points. As I did not live at the address that XXXX had on file, I did not receive information that there was a problem with my tax return and was unaware of any issues. 
After seeing the drop in my credit score and researching the cause, I reached out to the state XXXX and received a letter from the state XXXX stating that I never owed any money to the state XXXX, but because my XXXX was not attached the lien was attached for improper filing of taxes. I have presented this letter to the credit agencies and despite the fact that I never missed a payment or owed any money my credit score has continued to be negatively impacted by this lien. A credit agency is not there to report whether my accountant and I filed our taxes correctly but to report on my ability to pay my bills. 

I have paid my bills on time and provided them with documented proof of this fact. I do n't know what else to do to remove this from my credit report.
Product: Credit card or prepaid card

Approx XX/XX/23 submitted an application to Wells Fargo. Was denied. Subsiquent letter explaining denial NOT based on my credit worthiness.
Product: Mortgage

The fact that Wells Fargo closed 6 open complaints all on one day. Leads me to believe if I had the scanned information that was able to be seen, they would not have been able to close 6 complaints all on the same day and the same time. Previously being told the complaints had been sent to the department that disbursements come from. We went from being told by XXXX XXXX They are being decided upon to their immediate closure. It was only when I began looking at the scanned documents did I realize they were unable to be seen. How is it they are all closed yet we are still receiving notifications from Wells Fargo needing more time? Im filing more complaints with the documents scanned are now able to be seen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XXXX i sent certified mail to XXXX XXXX XXXX XXXX XXXX ) asking them to verify my mortgage payment history and information because it appears to be inaccurate ( late payments shown - which is inaccurate - also, account was paid in full in XX/XX/year> and closed in good standing ). more than 30 days passed no response received from XXXX. 

On XXXX i sent certified mail to TRANSUNION & XXXX stating the above along with all certified mail associated with the above referenced correspondence and TRANSUNION XXXX XXXX took no action ( it has been over XXXX XXXX months since then ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i noticed that there are several erroneous pieces of information currently reporting to my personal credit report. The accounts are as follows : account name : XXXX XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : dept of education amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date XXXX account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX date opened : XX/XX/XXXX account name : XXXX XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX account name : XXXX XXXX amount : XXXX date XXXX account name : XXXX  amount : XXXX XXXX XXXX : XX/XX/XXXX
Product: Debt collection

I have requested proof that this debt is mine multiple times. This debt of XXXX is on my credit file and no one has been able to tell me what it 's for with the exception that it 's for a bank. I have no idea who the bank is. This has not been validated despite my requests.i demand this be removed from my credit file as this is not a valid debt.
Product: Money transfer, virtual currency, or money service

I rec 'd a call from XXXX  XXXX XXXX XXXX saying I didn't pay my account right and they needed my credit card ASAP or turning off my electric. I gave my XXXX XXXX XXXX credit card but they were not XXXX  XXXX XXXX  XXXX  and transferred money to JPAY to pay a prisoner in the XXXX XXXX area. I didn't know this but when I hung up I felt I had been scammed and called XXXX XXXX XXXX XXXX told them the story not knowing about JPAY and they checked with 15 minutes of my scam called and said I was charged {$210.00} I said it was fraud and they canceled my credit immediately. They issued a new credit card and said to activate immediately. I did and they transferred the scam charges to my new account. I have tried called several companies including the Police, The Sherrif 's Office, The Federal Trade Commission, XXXX XXXX XXXX, JPAY, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several calls account still has scam amount due
Product: Credit reporting or other personal consumer reports

I HAVE REACHED OUT TO EQUIFAX SEVERAL TIMES CONCERNING THE NEGATIVE IMPACT ON MY CREDIT REPORT. THIS HAS CAUSED A GREAT DEAL OF STRESS AND MISSED OPPORTUNIES FOR ME. LATE /MISSED PAYMENT FROM TWO CREDIT CARDS XXXX XXXX XXXX XXXX  AND A PERSONAL LOAN ALL FROM XXXX XXXX XXXX . THIS NEGATIVE REPORT IS A DEFLAMATION OF MY CHARCTER. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act Convergent Account # 12345, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX EQUIFAX MORTGAGE SERVICE XXXX on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX, MS XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX, MS XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, MS XXXX FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Account charged off.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX This is a written notice of dispute, which gives me the ability to dispute any information on my consumer credit report. My initial dispute was due to the inconsistency of the information provided on my credit report, which was not in compliance with FCRA guidelines and violates my consumer rights. 

As a result of the dispute, I have received a response from each consumer reporting agency. 

Experian investigations results status remains as verified after XXXX reinvestigations. 
XXXX credit file dated XX/XX/2024, File number XXXX - deleted XXXX XXXX XXXX file dated XX/XX/2024, Confirmation # XXXX deleted XXXX & XXXX Supporting documentation : Included is a copy of XXXX and XXXX credit report that contains the investigation results. Experian and XXXX still remain inaccurate, incomplete, and unverifiable after the investigation. 

DEMANDED ACTION : Remove from my credit report pursuant to FCRA 623 ( a ) ( 1 ) ( B ) and 623 ( b ) ( 1 ) ( d ) ( e ) Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have an inquiry and collection on my credit report. I have not completed an application or ever applied to this company for credit. 

XXXX Inquiry date XX/XX/scrub> 2022 TRANSWORLD SYSTEM INC/Date opened XX/XX/scrub> 2022 2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX CFPB ) Federal Trade Commission XXXX FTC ) Washington, DC XXXX XXXX Aggressive Complaint Regarding Equifax 's Inadequate Response Dear CFPB and FTC, I am writing to express my extreme frustration with Equifax 's handling of my request regarding inaccurate information on my credit file. I have received more stall letter from Equifax, stating they can not locate my credit file or are requesting unnecessary additional identification. This ongoing issue has become intolerable. 

Equifax 's repeated requests for further documentation are not only unreasonable but also a blatant delay tactic. I have already provided them with the necessary information, and their inability to process my request in a timely manner is unacceptable. It feels as though they are deliberately obfuscating the process to avoid addressing the inaccuracies on my credit report. 

Furthermore, I demand the immediate removal of the XXXX XXXX XXXX XXXX account from my credit report. This account is erroneous, and I have provided ample evidence to support my claim. The continued presence of this account is causing significant harm to my creditworthiness and financial stability. 

I urge the CFPB and FTC to take swift action on this matter. It is imperative that you hold Equifax accountable for their lack of responsiveness and the undue stress they have caused me. I expect a prompt resolution to this issue and anticipate your assistance in ensuring that my rights as a consumer are upheld. 

Thank you for your attention to this urgent matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX CFPB I RECEIVE THESE STALL LETTERS EVERY WEEK, THEY COME DOUBLE, THIS IS CRAZY.
Product: Checking or savings account

On XX/XX/XXXX ( sunday ) when downloading transactions to quicken discovered a XXXX withdrawal from our XXXX XXXX XXXX savings account to a bank called Truist that was unknown to us. Contacted XXXX the same day but was told to call back on Monday which we did and initiated a dispute ( case XXXX ) on the account and froze it. They said that they would get back to us in 10 days. Today ( XX/XX/XXXX ) we received mail form XXXX indicating that no error had occurred and our money was not going to be refunded. After calling for more information they gave us the basic information about the account number at the Truist bank and that the account had been setup in my my name on XX/XX/year>. We contacted Truist who reported the account was active and verified that my basic information was correct except for mailing address. I requested that they lock the account and they have initiated an identity theft report with a case number of XXXX.
Product: Credit card or prepaid card

On XX/XX/2020, I was contacted by Comenity regarding my XXXX XXXX credit card payment being late. I advised I was having some financial hardship due to Covid 19 and requested their payment relief assistance program. The representative offered just a payment extension that would not have notated my account i was having a hardship and still possibly make me subject to late fees. When I declined this and requested again specifically for the Covid 19 hardship the representative rudely asked if I wouldn't be able to come up with a minimum payment of just {$35.00} in another month. I then requested to be transferred immediately. 

Afterward I was still annoyed but couldn't bare to speak to another rep because I had also gone through SEVERAL issues getting my first online order placed because reps kept making mistakes and I kept having to call back. Instead I sent an online message advising of the issues and my dissatisfaction and requested the small courtesy of refunded late fee and finance charge, and I paid the card off in full minus the amount of late fee & finance charge rather than accept the covid 19 hardship and possibly have to deal with any of these people again. 

They responded with an agreement to refund the late fee and the finance charge JUST on the amount of the finance fee. I did not realize the difference until XX/XX/XXXX, and I then requested the remainder of the finance charge also be refunded for my continued disappointment in their customer service. On XX/XX/XXXX I received a response stating they would not be refunding the remaining charges.
Product: Credit card or prepaid card

For maybe a decade I've been billed for fraudulent charges and the company has only and always given me the complete run around and always refuses to remove the fraudulent charges, despite all of the " declaration of fraudulent charges '' forms I've filed out and sent back to Citibank N.A. I've called over a dozen times and have always been directed to their " international call center 's '' and have never been given any consideration, what-so-ever, to the fact that this has been on going for a decade!! They never follow-up! they never dispute the charges! I'm certain I've paid triple with the interest and interest rate hikes I've paid over the years because of this. My credit is perfect and I wonder if it in fact wouldn't be better without the company keeping the charges on my monthly credit bureau reporting without at least removing it as part of the dispute process??!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/2017 disputing negative items reporting against my credit profile and Equifax has failed to respond to my dispute letter. I received responses from both XXXX and XXXX  but Equifax did n't reply within 30 days or even reply at all and nothing has been removed as a result of my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated all my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, per the FCRA, I notified Bank of America that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Product: Student loan

I took out a loan with XXXX XXXX in 2009 and have not received my MPN yet. I asked for it monthly for a while, and have maybe made 100 requests over the last seven years. Sometimes I 'm told by the person on the phone they see no such request. Sometimes I 'm told they do n't know why it was not sent. Sometimes I 'm told it was sent and I ask them to confirm my address and I 'm told there is no way of doing that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I spoke to a representative who set my account up for a deferment due to covid-19 under the CARES ACT. I was told this would not have any impact on my credit as I would be reported current and that the balance of the payments that were deferred would be added to the end of the loan. I later discovered it I had been reported late for XXXX and XXXX and I contacted them immediately to resolve. They indicated they had been overwhelmed due to covid-19 and that some paperwork had been delayed but the they were coreecting any issues. I was suppose get a call back and although have called conssistely each week for the last 3 months no-one is returning my call. I have spoke in great detail to multiple representatives and managers who assure me the issue would be resolved and forward it to the credit department to correct. There has been no change. Prior to this I had never been reported late on this account, Under Cares they should not be reporting me late because the offered this deferment and did not process it timely.
Product: Credit card or prepaid card

Issue I was over billed {$870.00} dollars. I prepaid the full amount in XX/XX/XXXX and had a XXXX  balance. The auto pay charged me {$870.00} out of my checking account. 
I called on XX/XX/XXXX and they said it can take up to 10 days to get a refund. I called them on XX/XX/XXXX and still pending the refund. This has never happened with another credit card company. The account shows a negative balance and I included a screen shot to this case ( Negative balance.png and amounts.png ) Negative balance XX/XX/XXXX XXXX transaction for Transaction date : XXXX ELECTRONIC PAYMENT Type Payment - {$870.00} - {$870.00} Expand transaction for Transaction date : XX/XX/XXXX XXXX  ELECTRONIC PAYMENT XXXX Balance XX/XX/XXXX XXXX transaction for Transaction date : XXXX ELECTRONIC PAYMENT Type Payment - {$870.00} {$0.00} Date Amount - {$870.00} BANK OF AMERICA - XXXX XXXX XXXX XXXX XXXX XXXX