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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I noticed fraudulent chsrges on my credit card. I had to wait until after XX/XX/XXXX to file the claim because I had an XXXX payment transaction for XX/XX/XXXX. There were XXXX of fraudulent charges placed on my credit card. On XXXX there was a fraudulent charge at XXXX XXXX for {$81.00} that I did not make. Another fraudulent charge occurred on XX/XX/XXXX at XXXX XXXX XXXX XXXX for {$170.00}. My husband was prepping for his colonoscopy on XX/XX/XXXX and in solidarity I did not eat with him. There is no way that we would have charged {$170.00} at a XXXX restaurant the day before a colonoscopy. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and possibly other times there is charges for XXXX which is a vending machine and I have been changed {$2.00} for items I did not purchase. 
I filed a claim with Bank of America and was denied-they stated that we confirmed that the location of the charges was a location you have previously visited for similar charges this is outrageous. Because I go out and eat a lot, they refuse to acknowledge the fraud charges. I have been a loyal Bank of America customer for decades and cant remember the las time I had to file a fraud claim. I want Bank of America to rectify this issue and issue me my fraud credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( A ) subject to section 624, any * ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; * 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I just got back my results from TransUnion for an account on my credit report. XXXX XXXX XXXX # XXXX. Theyre stating that the information has been verified as accurate. Looking at a 3 bureau report side by side all three credit bureaus are reporting different information. PLEASE DELETE ACCOUNT YOURRE IN CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. EVERYTHING MUST 100 % ACCURATE. I have other accounts that display 100 % accuracy across all 3 bureaus. Why is this account reporting late payments and inaccurate information 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 1..LAST VERIFIED 2.DATE OF LAST ACTIVITY 3.DATE REPORTED 4.CLOSED DATE 5. ACCOUNT RATINGS 6. DISPUTE STATUS 7. LAST PAYMENT 8.REMOVING LATE PAYMENTS IN XX/XX/2022 AND ADDING THEM BACK IN XX/XX/2022 2022
Product: Mortgage

I closed on my VA mortgage with XXXX XXXX on XX/XX/XXXX. The loan was initially serviced by XXXX XXXX, XXXX. My first payment was due on XX/XX/XXXX. We made our XX/XX/XXXX and XX/XX/XXXX payments on time. In XX/XX/XXXX, we received notice that our loan was being transferred to XXXX XXXX XXXX, and to begin making payments to them beginning with our XX/XX/XXXX payment, which we made on time along with our XX/XX/XXXX payment. During this process, we found out the Loancare did not send advice to XXXX XXXX that our XX/XX/XXXX payment was made, which we were able to quickly correct However, even though our mortgage was transferred to XXXX XXXX on XX/XX/XXXX, final payoff was not sent back to Loancare until XX/XX/XXXX. Loancare, therefore, marked us with a missed mortgage payment for XX/XX/XXXX, which caused our credit scores to drop and my wife was declined for a loan as a result. This is doubly upsetting because we not only made our payment to the correct mortgage company, but were supposed to be protected by RESPA, as the " missed '' payment was within the 60 window of transfer. I spoke to multiple reps at Loancare, who refused to help.
Product: Checking or savings account

I made a regular deposit to my TD bank checking account like I do every week for something around {$1200.00}. The ATM missed reddit for XXXX g so I canceled the transaction and tried to get the check back. The ATM ate my check and I had to get the bank manager to come over and open it up and take it out she did not cancel the transaction.. I want to go deposit my check at the teller and A-day later I found out that I owed them {$68000.00} because the transaction had not been canceled. After about 2 weeks of dealing with it I finally Got it resolved I thought but I opened my account this morning to owing TD bank XXXX They're claiming that they overcorrect it twice and they have all of the information which the information on my bank account does not go back to the midsummer. They're using their clownishly bad infrastructure and their Untrained employees to just keep telling me that there's nothing they can do about this while they endlessly continue to be terrible shepherds of my money. I refuse to pay them this money because I don't owe it to them so who knows where this is going to go for me but this is the only recourse I have so I guess here I am. I don't have a lot of hope any of this is gon na go in my favor but it's literally the only thing I can do so here it is
Product: Money transfer, virtual currency, or money service

Lam writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Per the IRS, a lender ( Bridgecrest ) that cancels, discharges or forgives a debt of {$600.00} or more is REQUIRED BY LAW to send a 1099-C to the borrower. BRIDGECREST VOLUNTARILY REPOSSESSED THE PROPERTY IN XXXXXXXX XXXX  As such, the borrower must report the 1099-C as taxable income and this taxable income can no longer be disputed, collected or reported by the lender. Not only has Bridgecrest failed to issue me the required 1099-C, they are in violation of my rights under the FCRA 15 USC 1681 by 1 ) incorrectly reporting a balanced owed on my credit file, 2 ) reporting income that is taxable to me and 3 ) violating privacy. As of XX/XX/ having knowingly repossessed the property, acknowledged that they had not sent the 1099-C and continues to improperly report information on my credit report that violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My FICO score dropped by 43 Point just in a Day on XX/XX/2020. I was excellent FICO score person and it was big drop without any big reason. I have not applied for any Mortgage or Loan Just I applied a XXXX Credit Card. I feel Experian intentionally dropped 43 point FICO score just because of this so that I can take some services  from them to improve my FICO score. 

Please help me to correct my FICO Credit Score. 

Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX On XX/XX/XXXX I requested an investigation into this account, after your investigation the errors on this account were still not fixed, so on XX/XX/XXXX I requested a re-investigation on this account, but the errors still weren't fixed. So, on XX/XX/XXXX I pointed out the errors still on this account, and I asked you delete this account due to the continued errors I pointed out. You sent me an email saying that your were going to delete this account like I requested. But I still saw this account appearing on my credit report. So on XX/XX/XXXX I attached the email you sent me saying that this account has been deleted, even though it is still showing up on my credit report. I am not sure why you would say you are going to delete this account, but not delete it even after I showed you the email that you sent saying you were going to delete this account? Then on XX/XX/XXXX I asked why is there no data XXXX of XXXX? How can you know if I was 30 days late in XXXX, if you don't know what I did in XXXX? Also, why do you have so many inconsistencies with the other credit bureas on this account. According to the FCRA if you can't make the account complete and accurate, and it is not consistent information across the credit bureaus it should be deleted. So, why haven't you deleted it yet, especially when you sent me an email stating it was deleted? I would still like this information. If you can't provide this data, I would like this account deleted, because XXXX is showing different data, and according to CFPB and the FCRA if data on an account is not in alignment with all the credit bureaus, then the data furnisher ( XXXX XXXXXXXX ) must not be providing accurate data, and that is grounds to delete an account.
Product: Debt collection

Rash curtis Associates put a bill on my credit without informing me or sharing details of my medical bill. From hospital I never received the bill and i only noticed the bill once its included on my credit. I asked details of my bill from 3rd party and they havent able to shared the detail bill. Due to Hippa law first of all hostpital can not share my medical bills without informing me since its my personal medical bill. 3rd party received letter from hospital on XX/XX/XXXXXXXX  and they mentioned some service occured which I am unaware on XX/XX/XXXX. Amount owe they mentioning is {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} Convergent Outsourcing : {$1000.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX : {$650.00} The XXXX XXXX : {$830.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan from XXXX XXXX XXXX XXXX and they denied my application. The denial letter shows that Experian states that my credit score is XXXX. But when I logged onto my account at Experian.com website, my credit score is XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I received a title loan XXXX of XXXX to pay off a past due debt to an apt so i could move. I obtained the loan cause I am on fixed income due to needing a XXXX XXXX XXXX XXXX and actively waiting. i have received title loans in the past from others where my payment pays off the principle balance, and always paid on time as with this loan. However I borrowed XXXX, and I have paid close to XXXX back already. They did not inform me it did not pay off on the principle balance and i had to pay in full to get title back. This is robbery I have paid more than I should have, This should of been informed instead this is my transportation to my XXXX three times a week and now may not can continue paying as my last payment was XXXX and my XXXX check is XXXX my balance went from XXXX to now as of XXXXXXXX XXXX is XXXX. They make it impossible, how is this legal? Please help or respond.
Product: Debt collection

As reflected in the attached letter dated XXXX XXXX, XXXX, XXXX states, on its Company letterhead, " We previously sent you a letter on XX/XX/XXXX as a first notice of placing your account with collections with PDQ Services, Inc ''. Their response that it was with another agency to my complaint is completely inaccurate and false. The actual letter sent by PDQ is attached, for the second time, to this complaint as proof to the Bureau of Consumer Financial Protection that PDQ did in fact hold the debt and try to collect on XXXX XXXX, XXXX. PDQ is using ruthless tactics and bad faith when listing the date as occurring on XXXX XXXX instead of XXXX XXXX. This keeps the account listed on my credit report for an additional 2 years as a collection and delinquency -- there 's extending the credit reporting date. PDQ 's possible subsequent re-acquisition date with the dental clinic is PDQ 's complication, not mine, the consumer. PDQ must update the credit file to reflect the accurate date of initial collection as XXXX XXXX, XXXX, not XXXX XXXX, XXXX as it is currently listed on my credit file. Next, as reflected on the attached bill dated XXXX XXXX, XXXX, the account balance is {$490.00}, not the {$370.00} as stated above in their response to my complaint. Once again, acting in bad faith by trying to collection more than the actual bill. How does the Company explain the difference? The bill is for {$240.00}. Not {$370.00}. I will file a separate complaint against the dental clinic. This Company, PDQ, is ruthless and harassing in its collection efforts. Do they inflate the amount owed and prey on consumers that have hit hard times, then later " settle for an amount '' less than the stated value, thereby tricking the consumer? The issues : The Company is purposefully reporting this account as first going into collections on XXXX XXXX, XXXX, after the initial letter written by them on XXXX XXXX, XXXX thereby adding 1 year, 10 months and XXXX additional days to report and collect the debt. The response from PDQ is dishonest and inaccurate when stating they did n't have the collection account in XX/XX/XXXX as the letter written on the PDQ letterhead proves otherwise. This Company must accurately reflect the initial date of collection. Id like an investigation into their billing and reporting practices to find out how many consumers they have practiced these ruthless and unethical tactics with.
Product: Credit reporting or other personal consumer reports

On Tuesday, XX/XX/23, I received an email from a credit monitoring service indicating that an inquiry had been detected on my credit report. Immediately thereafter I received a " Welcome '' email from XXXXXXXX XXXX. Suspecting fraud, I called XXXX, the company which issues XXXX XXXX and it confirmed that a credit card had just been opened in my name. The identity thieves used my real, current email address, date of birth, social security number, my former mailing address and my former phone number in the fraudulent application which was submitted through a link on the XXXX XXXX XXXX XXXX. I requested that the account be closed and the unauthorized inquiry be removed, however, XXXX refuses to remove the inquiry from my credit report per a XX/XX/23 letter. The XXXX police report associated with this incident is XXXX.
Product: Mortgage

Received notice from current homeowners insurance carrier on XX/XX/24 that renewal payment had not been received.I contacted CMS ( Carrington Mortgage Services ) on XX/XX/24 as the premium is remitted by them annually to advise them of the matter.They stated payment was sent on XX/XX/24 for policy amount of XXXX, and it would take 24-48hr for tracing information.I again followed up on XX/XX/24 and was told there was no information yet regarding the check/payment.I followed up a third time on XX/XX/24 in which the representative claimed it would be 3-5 days.I informed him that is not what I was told and that the due date was only days away.I was advised to call back next day.I was informed on XX/XX/24 that they would resubmit payment via Credit Card or Overnight Service/Freight upon confirmation of payment lost/misplaced.I believe this company is intentionally misrepresenting payment information/status in order to cause policy to cancel for nonpayment by them.They have engaged in numerous deception practices over the past 10 years with numerous complaints from loan holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; I have a voluntary repo on my credit report. I have hired XXXX XXXX XXXX to fix my credit and try to get this off my credit report, but I have n't been able to do so..The company that keeps reporting is Santander Consumer USA. I feel as if the information they are reporting is incorrect and this is hurting my credit very badly! And my ability to finance anything. From my understanding the account started in XXXX but that is n't true. I bought this XXXX XXXX XXXX sometime in XXXX just before my son was born which was in XX/XX/XXXX. They keep reporting this on my credit and I know the statue of limitations has been passed a long time ago. I would like someone to do an investigation into this and all information about this account to be shown to me or the company I have hired to fix my credit, so that it can be verified by me.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding my experience with Navy Federal Credit Unions handling of a chargeback claim. Despite my repeated requests for documentation and clarification, Navy Federal has failed to provide the necessary evidence to substantiate their validation of a disputed charge.

As previously mentioned in my earlier communication with Navy Federal, I was asked to provide a copy of the receipt showing the correct charge amount. I clarified that the version of the receipt given to the customer does not include the tip amount, and that the total on the receipt is {$180.00}. In the case of a handwritten receipt, any tip left by the customer is recorded separately, and the version containing this information remains at the restaurant.

Although Navy Federal confirmed that they were able to validate the charge, I requested a copy of the receipt in question to verify that the handwriting on it matches my own. To date, Navy Federal has not provided me with the requested documentation. Moreover, they have not supplied any information or evidence supporting the chargeback claim.

This lack of response and failure to provide the requested documentation has caused considerable frustration, and I am unable to proceed with resolving this issue. As a result, I am compelled to file this complaint with the CFPB to seek assistance in having this matter addressed promptly.
Product: Checking or savings account

I am a victim of bank fraud of a Chime Financial impersonator who used the Chime mobile text and phone number of the real Chime. Please read my statement and see supporting documentation. I am requesting a full refund of the amount of {$4000.00} from Chime financial.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am requesting that Experian and XXXX follow suit and remove the account XXXX XXXX XXXX XXXX. XXXX has since removed the account due to inaccurate reporting. This account was last reported in XXXX, yet you are reporting XXXX. Please provide relevant documentation for your claim. Your inaccuracy is causing stress and many lost opportunities. The account is over 7 years old and should have been deleted in XXXX. The company has also failed to send a form 1099c for the alleged charged off account. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report without a 1099c present. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. If you did not receive this from the company remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports