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

Subject : Formal Dispute of Credit Reporting Errors To Whom It May Concern, I am writing to formally dispute several inaccuracies on my credit report related to the account from XXXX ( formerly XXXX ) as well as other errors that violate federal laws. Please see the details below : Account Information : Creditor : XXXX ( formerly XXXX ) Current Balance : {$8100.00} Status : Derogatory/In Repossession Dispute Details : XXXX. Request for Deletion of Charge-Offs ( 15 USC 1666b , 15 USC 1681i , 15 USC 1681s-2 ) This account reflects a derogatory status with a charge-off. I dispute this reporting as erroneous and inconsistent with my records. Moreover, under the Fair Credit Reporting Act ( 15 USC 1681i ), creditors must ensure the accuracy and completeness of information furnished to consumer reporting agencies. 

If XXXX has issued a 1099-C for this account, the debt has been canceled, and any charge-off reporting should be deleted in accordance with IRS rules and 15 USC 1681s-2. 

XXXX. Request for Deletion of Late Payments ( 15 USC 1666b, 15 USC 1637 ( b ), 15 USC 1681s-2, 15 USC 1681i ) Late payments on this account are inaccurately reported. According to 15 USC 1666b and 15 USC 1637 ( b ), creditors must adhere to proper billing error resolution practices. Further, 15 USC 1681s-2 prohibits furnishing inaccurate information. 

XXXX. Request for Deletion of Collection Activity ( 12 CFR 1006.34C, 12 CFR 1006.6C, 15 USC 1681e ( b ), 15 USC 1681s-2 ( A ) ) The collection activity associated with this account contains significant errors. As per 12 CFR 1006.34C and 12 CFR 1006.6C, debt collectors must provide accurate and detailed disclosures. In addition, 15 USC 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy in consumer reports. 

Errors in XXXX Reporting : Balance : {$8100.00} Incorrectly listed as In Repossession despite no repossession details provided. 

Reporting of derogatory status and charge-offs appears inconsistent with 15 USC 1666b and 15 USC 1681s-2 . 

Actions Requested : XXXX. Delete all erroneous charge-offs, late payments, and derogatory remarks associated with this account. 

XXXX. Verify all details related to this account for compliance with 15 USC 1681i. 

XXXX. Provide written confirmation of the outcome of this dispute. 

Enclosed Documentation : A copy of my credit report highlighting the errors. 

Any correspondence or evidence supporting my claims. 

I appreciate your attention to this matter and expect a response within the legally mandated timeline under 15 USC 1681i. Please contact me if further clarification or information is required. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Hello. I need help getting an accurate figure from Capital One for payments on my auto loan please. I financed a XXXX XXXX XXXX on XX/XX/XXXX2019 for {$17000.00}. The main reason for my complaint is that after investigating my accounts I found that my personal checking account, capitalone.com, and my pdf/paper statements from Capital One all total different paid sums to Capital One. I only have one account with Capital One, my auto loan. I made a spreadsheet comparing the accounts side by side and downloaded all my pdf statements. My personal checking shows that I have paid {$5700.00} to Capital One Auto Loan. On Capital One 's website, and in my paper transactions, there are two different total paid sums : {$4000.00} and {$5000.00}. I am unable to resolve these discrepancies on my own, and other consumer reviews I found on a XXXX  search commented that Capital One damaged their credit scores after they contacted them trying to resolve similar discrepancies. I am past due on this auto loan at the moment and I am unable to follow the path of my past due amount in my accounts with Capital One too. After reviewing the paper work from my auto loan, I believe that the XXXX Dealer in XXXX, CA charged me for a car I traded in instead of applying the value to my loan. The dealer tried to sell me a second car over the phone last XXXX XXXX XXXX XXXX. They helped me get the loan financed through Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

This is regarding my Well Fargo Bank cash rewards credit card that was opened in XXXX of 2022. Initially everything was smooth sailing until XX/XX/2022 when I made a {$3000.00} payment to XXXX from my XXXX account on XX/XX/2022 This got rejected by my bank due to their banking error which caused a lot of issues with both the XXXX and my bank. I have filed a separate complaint against XXXX bank for the same and the complaint was just closed in my favor. XXXX attached regarding the same below. 
Then again on XX/XX/2022 I made another payment to XXXX for {$3000.00} from Chime bank and that got rejected and returned back to XXXX for the same reason " unauthorized account user ''. Now I need to reiterate that XXXX made this error both times and this is from my own bank account, at XXXX. 
Due to this reason XXXX closed out my cc account on XX/XX/2022 and I have attached their letter below for the reasons that they stated. However the problem with the credit card issuer Wells Fargo Bank is that to date they are refusing to apply my reward points which is around {$1000.00} to my account. These are points that I earned with my own card usage from XXXX to XX/XX/2022. I have called them several times to resolve this and gone into the branch as well. Each time they state that they will do it but never did. They are holding onto my points and not issuing me a check or applying it to my outstanding balance either. It has been almost 120 days since this occurred. I need an immediate resolution to this matter as I plan on paying off this card in full next month and need the {$1000.00} applied to my balance and I will be paying the difference and no more. Need it reported to all credit bureaus as paid off in full when this occurs also. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting my XXXX XXXX account as an adverse account that is negative with a late payment I am uploading proof from XXXX XXXX that this account was never paid late. I have attempted numerous times to correct this. Having this wrong information reporting is affecting my credit score.
Product: Credit card or prepaid card

These were unauthorized charges to my Citibank XXXX  XXXX   card. The unauthorized charges are as follows : 1. XXXX XXXX in the amount of {$69.00} on XX/XX/XXXX - Citibank rule in the merchant 's favor 2. XXXX charge in the amount of {$200.00} on XX/XX/XXXX - Citibank once again rule in the merchant 's favor I have over 15 years of relations with Citibank ... I have an excellent repayment history and almost perfect credit, hence paying off my credit card balances. Therefore I am not using my card for purchases. It appears that Citibank ruled in a consumer favor if the charges are smaller but for larger purchases, they are ruling in the merchants ' favor. 

Please provide any help that you coule provide as I truly did not make the purchases. thank you and stay safe!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid off my loan down to a XXXX  balance. I repeatedly asked the CS rep was this all I owed, she double checked and said yes. Since then, I've been going back and forth with the XXXX XXXX XXXX XXXX about my credit report. The listed on my report that I owed {$1.00}, when in fact, it is paid off. I disputed it with all 3 credit  bureaus, who then reported that it was in fact paid off according to XXXX, who informed me of the same thing. The very next month, the XXXX went back and posted that I owed {$1.00}. I disputed it again, and again the changes it to a XXXX   balance, but refuses to mark the account as paid off. Instead they have the " current status '' as in collections. It needs to read paid as a current status. My next step is to hire an attorney if you can not correct this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recieved a report on my credit monitoring service that a new installment loan had been opened in my name on XX/XX/2023 at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX in the amount of {$610.00}. I called XXXX to place a fraud alert and dispute the information on XX/XX/2023. 

On XX/XX/2023 a representative of Sunbit, using the email of XXXX XXXX, called in reference to the dispute that I had filed with XXXX. I verified that it was not my account and that they had the wrong phone number and email. Sunbit emailed me a copy of the loan agreement and I again told them that it was not mine ( I always use my full name on legal documents ). 

On XX/XX/2023 I recieved a letter from XXXX that Sunbit had verified the account WAS MINE and ACCURATE. 

I called both XXXX and Sunbit to no avail but that I needed to file a police report and file a report with you.
Product: Debt collection

Capital One calls me several times a day every day. I spoke with a representative and explained I needed a extension but would like the daily calls to stop and now I'm called multiple times a day.
Product: Mortgage

I have a mortgage account with US Bank. I have had this account for over 5 years. I have never missed a payment on this account. I have paid my mortgage on the XXXX  friday of every month for the last 65 months. Being that interest are at a all time low i decided to refinance my mortgage. While in the process of refinancing my mortgage US Bank now say that i owe them {$2100.00} in late fee 's. Of all my financial commitments over the years i have never heard of such and outrageous amount of any fees on any account. As i remember when i did the loan i remember on the application US Bank asking of my race. I really think that by me indicating that i am XXXX or XXXX XXXX that US Bank is trying to put me into a financial hardship or trying to drive me away due to my race. With todays Pandemic going on around the world and many people now experiencing financial hardships i think it should be know to the world what US Bank is doing to people. Also i would like to recommend to all others that when US Bank ask of someones race its best to not answer. If this was a legitimate amount owed what respectable financial institution would allow 65 late payments in a row unless they were trying to establish a financial hardship upon someone.
Product: Payday loan, title loan, personal loan, or advance loan

To whom it may concern. I am requesting a copy of the 1099c form filed on this account Empire Finance XXXX XXXX XXXX XXXX 2022. If you guys dont send the form within 15 days Im requesting a removal of the account. If the request is not met in a timely manner under the FCRA, I will be suing for statutory damages for any creditor that furnishes inaccurate information about a debt, incorrectly reporting a charge-off claiming that I owe a the debt. Civil liability for willful noncompliance 15 U.S.C. 1681n states that anyone who obtains a consumer report under false pretenses or without a permissible purpose is liable to the CRA for actual damages or {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

Experian was notified on XX/XX/2023 that they were reporting inaccurate information on my credit report regarding account XXXX XXXX XXXX XXXXXXXX. It has been 11 months since my dispute letter and only XXXX and XXXX have removed this account. Experian failed to provide information as to how they validated this account, and it has caused me to believe that they did not do an investigation. I will attach my dispute letter which is dated, and time stamped. I am demanding that Experian follow suit and remove the account from my credit report due to FCRA violations.
Product: Consumer Loan

Case number : XXXXChrysler Capital. 
Office of the President. 
Chrysler Capital at this time I have not been mailed any paperwork to pay of my car. I would be willing to pay off the car if damages from the repo was deducted. Please send me some paperwork for payoff. I have not been sent any paperwork for payoff. For fear of late night repo chases and repo men calling my friends and family at home and work and the safety of my family and others. I am willing to accept a settlement offer for the payoff of the car. Please send me some paperwork or forward to collections. 
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Prepaid card

I signed up for a commuter benefits account with XXXX when I started with my employer in XX/XX/XXXX. Each paycheck, a certain amount of money is taken out of my paycheck before taxes to be put towards commuting expenses for the following month ( i.e. funds are taken out of my paychecks from XXXX so that I spend on my XXXX train pass ). I lost my job on XX/XX/XXXX and, at the time, my commuter benefits account had {$470.00} in it. I contacted XXXX to get them to release the funds, but they said they were forfeited. I asked for information about why they were forfeited and they told me that it was their policy I don't understand how a company can simply decide to take the money I earned with no explanation. I feel that this policy is essentially stealing from people who use this service.
Product: Mortgage

I applied for a loan modification in the XXXX. I was accepted into the program in XXXX at this point I believe I was one month behind. I was given a grace period for XXXX and stated making the trial payment in XXXX. I made 6 on time payments until my mortgage was permanently modification in XXXX. I think is unfortunate that my 6 on time payment are not being reported. The agreement states that the modification could adversely affect my credit report but does not state my on time payments would not be accounted for. It states the reporting that the loan being modified will affect my credit. Also, my modification was accepted on XXXX XXXX, XXXX but I was still be reported behind until XXXX. I have attempted several times through the different credit bureaus to have this changed but to no aveil. I understand that they payments are being considered partial payments but after a year of on time payments I believe I am justified in my request for my information to be undated.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX- XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXXY XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. THIS ACCOUNT IS REPORTING AS A CHARGOFF AND I AM STILL RECEIVING COLLECTION ATTEMPTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request 3 times on this account to verify the information. I asked that information be sent to me and i have not received a response from this creditor. I sent the first request in XX/XX/XXXX, then again in XX/XX/XXXX and the most recent request was XX/XX/XXXX. I dont receive any response but it keeps updating to my credit on XXXX XXXX Equifax and XXXX, as a charged off account. Since the account is charged off, by law, the lender must file Form XXXX and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1 ( IRS 2021 publication ). The following creditors are showing as charged off and I have not received any responses and the charged off balances are more than {$600.00}. I am requesting to have this removed from all credit reporting agencies immediately. 

XXXX XXXX XXXX Charged OFF Date XX/XX/XXXX Balance {$2000.00} XXXX Charged OFF Date XX/XX/XXXX Balance {$610.00}
Product: Credit card

On XX/XX/XXXX a check for {$3700.00} was sent to Home Depot via Citibank and was cashed with proof and as of today, XX/XX/XXXXXXXX  my account has still not been credited. On XXXX XXXX, after filing a dispute, I was told they never received the check. Sent proof, front and back of the check and still getting the run around ( XX/XX/XXXXXXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$310.00} XXXX XXXX Balance {$40.00} XXXX XXXXXXXX Balance {$28.00} XXXX XXXX Balance {$440.00} XXXX  XXXX Balance {$710.00} XXXX XXXXXXXX Balance {$0.00}
Product: Debt collection

I have two issues here regarding a debt that is under my name with Franklin Collection Services. There is a balance of over {$700.00} owed to XXXX. I have disputed this previously with another agency and was determined it was not mine and removed from my credit. I have told Franklin Collections this and yet they are still reporting this on my credit. I have a very common name and this has happened before. I have never lived in KY I am a resident of TN. I first reached out to this company on XX/XX/19 with my dispute. I have yet to receive any kind of validation or anything that even shows what this is for and who it actually belongs to. i have all of the email chains as i kept everything in writing. I have submitted a XXXX complaint which they still have not responded to and that was submitted in XX/XX/XXXX. What else can be done? They are in violation of federal law by continuing to report this and collect when my dispute was blatantly ignored and i have received no documentation that contests my dispute. Yet they still report this as delinquent on my credit.They had thirty days to address my concerns and it is pushing 90 days with no resolution. Please help! I have attached the emails showing how long this has been going on.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX BALANCED {$1000.00} CAPITAL XXXX XXXX BALANCED {$420.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$280.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$1700.00} XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 certified letter XXXX XXXX XXXX XXXX XXXX was mailed to Avant on the address listed on the credit report. They were required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/2019. They have violated the Fair Credit Reporting act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the  required 30-day period.
Product: Debt collection

On XX/XX/2017 this company started garnishing my wages for a debt that is over XXXX years old.
Product: Bank account or service

XXXX XXXX, 2015 I went to Chase Bank in XXXX XXXX Michigan on XXXX XXXX. I am the newly elected XXXX for XXXX XXXX. The purpose of my visit was to have my name place on the account. As a rule each XXXX is a signer on checks. After sitting in the office for an hour having to prove that I am the new XXXX, I was told by the agent that I can not be listed a a signer. I asked why. The agent told me that he was not given that information. He thought it might be something extremely serious such as money laundering. ( That is not true ). Approximately 2 years ago, chase suddenly closed my checking account without explanation and when I inquired in desperation, I was told by someone from the corporate in a very arrogant manner that they did it because they could and it 's their right. I really needed an explanation. I am aware of one otherDISCRIMINATION WITHOUT EXPLANATIONXXXX XXXX that this happened to. I am tempted to poll XXXX users, etc and ask if anyone else had this experience. I decided to contact you first. I currently have a checking account with another major banking establishment which I opened when Chase abruptly closed my account. Chase Bank has discriminated against me and I need to know their reason for closing my account and not allowing me to become a signer on an account for XXXX XXXX members elected me to.