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

I experienced a financial hardship several years ago.  My home loan was originally with XXXX XXXX XXXX (XXXX).  XXXX transferred my first and second mortgage loans to XXXX.  XXXX  and I agreed to a settlement for my second home loan.  I had to pay $XXXX within 12 months and they would write the rest of the loan off and send me a letter for the credit bureaus to fix my credit.  XXXX kept their word.  However, XXXX and Equifax refuse to adhere to the letter.  I have been mailing the same document to them for a year and they still refuse to remove the negativity from my credit report.  How should I proceed?
Product: Credit card

My Barclays credit card payment was made on XXXX/XXXX/2016 in the evening. I began receiving collection calls from Barclays bank about a pass due balance because my payment was not made by XXXX. I ask Barclays to please make an exception and waive the late fee. The is not typical credit card payment policy. People tend to forget this little fact about this particular credit card. Barclay card refused to waive the late fee. My position is that the payment was made on the due date, a cutoff time of XXXX is just their way of extorting additional credit charges from account holders. Subsequently, Barclays continues to add late charges onto my card balance. This alleged pass due balance was created by Barclays. I will not accept, nor acknowledge the late engineered late charges generated by them. This card was aligned with XXXX, now American airlines. The half price airline voucher they issue annually as a perk is never usable or accepted by the airline for XXXX reason or another. I am asking CFPB to review Barclays Bank credit card collection practices and to have this bank remove the late charges they keep tacking onto my credit card balance. I have closed my account with them due to their terrible customer service. I am always left on hold for over 15 minutes when I ask for management staff or disconnected and ask to re-verify my Identify after I have already entered that information when I placed the call. I have been denied service when I refuse to do so. I feel they use these tactics to discourage their customer to dispute issues.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit reporting refuses to remove invalid unathorized items from my credit report this issue has been mentioned numerous times still this credit reporting agency and XXXX refuse to remove invalid unathorized charges that doesnot belong tome and invalid remove from my credit report?
Product: Debt collection

Berlin Wheeler is reporting a collection on my credit report. Account number XXXX. I asked for verification and they have not provided any information that verifies this debt. I never entered a consumer transaction with the company nor do they have a contract with my signature giving them consent to report or have my personal information. This company is violating my rights of the FCRA. Please remove this from all three of my credit reports
Product: Checking or savings account

On XX/XX/XXXX I opened a small business checking account at the XXXX IL XXXX reacting to the email offer sent to me by Chase Business on XX/XX/XXXX. The offer features a {$750.00} bonus with the deposit of {$30000.00} or more into the account. 
I opened the account at the branch assisted by XXXX XXXX. When I provided the offer bonus code sent to me ( XXXX ) XXXX XXXX accepted it stating there is a temporary error processing the order but that he will take care of it. I asked him if he needed to receive the original email with the offer he indicated he didn't need it and that the code only is fine but I sent it to him anyway. Either way he did not provide me with the offer receipt but he stated that it will be processed shortly. Several hours later XXXX XXXX contacted me by phone stating that the bonus offer will not be processed after all and the reason for it is that I have had a prior business relationship with the bank precluding me from receiving it. I took this issue up with the branch manager who then referred me to the market manager XXXX XXXX for resolution. XXXX XXXX said he will reach out to the marketing dept that produced the offer and he will try to reach out on the resolution. On FRI XXXX XXXX called me back and announced that the offer will not be extended to me since according to their records last time I obtained the bonus on XX/XX/XXXX within the 24 months exclusion period. 
Here are the issues : 1 ) Why is Chase business sending me offers which automatically preclude me from receiving them? 
2 ) Why is the banker at the branch accepts my application including scanning for previous offers in my 3 existing profiles kept by the bank to at the end announced on the phone that the offer is not available? 

I have been doing business with XXXX XXXX XXXX that then morphed into Chase since the XXXX and to be frank I really do not appreciated to be treated in such deceptive way. In a process I also fund out that my funds at the bank despite being drafted on the local bank are held way in advance of the regular hold that indicated ( on the receipt ) the funds availability on XX/XX/XXXX. The phone disclosure stated that the funds will become available on XX/XX/XXXX.
Product: Debt collection

Paid All-state Credit Bureau on XX/XX/2020 XXXX in full still saying unpaid. Filing a complaint against this company. Its illegal for a collection agency to collect and the collection was paid. Especially when it was never the original creditor that I owed debt to. Also this would've never been paid if I didnt need this to be paid to get the mortgage on my home. I've sent a letter to the Attorney General Office for further investigation on this company. I've put in multiple complaints with this company and CFPB has not did anything or investigate this company at all. I will keep filing complaints until this matter is resolved and removed off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a overdraft account that was taking care of, there should be no overdraft reported on my XXXX, the date reported is incorrect, i did not have an account with XXXX XXXX in XX/XX/2018. please remove this from my account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Account # # XXXX I have attempted to dispute this account various times and each time the dispute returned as verified, reported accurately. I have even mailed in a method of verification for this account and have recieved nothing but an updated credit report each time. No response as to how, why or what they used to verify this account is accurately reporting, let alone that this account able to be reported to my credit file per FCRA. I have mailed this company multiple times asking for validation and each time the they have either failed to respond or have not produce anything showing such. 

You will see in my letters dated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX that I have repeatedly made these offers. XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XXXX XX/XX/XXXX however as a courtesy I gave them another 17 days to respond which they did not. This settled the matter, once and for all, on XXXX XX/XX/XXXX. 

It seems to me that there is no original instrument of indebtedness in existence, which again settles the matter legally and financially. As of the date of this letter XX/XX/XXXX, I still have not received an instrument of indebtedness. I hereby request that you would remove Acct # XXXX. 


Also attached are a copy of the letters i sent, as well a certified mail receipts and return receipts showing that these letters were sent and received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit profile, I noticed three inquiries on my Transunion credit report that I do not recognize. The three inquiries are as follows : XXXXXXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a payment was made to Discover Card for my credit card using my XXXX XXXX XXXX  Checking Account. This payment came back returned on XX/XX/XXXX and had not left my checking account. I called discover that day and was informed that the payment was returned and the reason was unknown and I should contact the bank. 

I then reached out to my bank who informed me that no payment attempt had been made and there was no record of it and to contact the merchant discover card for more information. 

I reached back out to discover card on the same day and continued to try get answers but could not get an answer other then to reach out to my bank again. 

By this point discover had already reported to my credit report that my payment was late damaging my score and causing a late payment mark and higher balance on my credit report. 

After lots of back and forth on the same day I made the payment again this time using a different checking account and asked discover to remove the negative information from my credit report as this was an issue between discover and the banks and not my fault as I had made my payment on time in the XXXX. They said that no one was able to do that and there was nothing I could do to fix it.
Product: Mortgage

Sometime in XXXX We were approached by Chase XXXX to refinance our loan to lower rate. We currently have a mortgage again through Chase. We contacted Chase XXXX on XX/XX/XXXX to see the offer. We agreed to the terms and the new lower rate and start sending documents to XXXX XXXX ( our agent ). At around XX/XX/XXXX XXXX suggested that we were ready to move in to the next stage of the loan which will require {$500.00} deposit from our side as a " Good Faith ''. I specifically asked whether this will be refundable and XXXX said " Yes it's fully refundable unless you cancel it or after we ( chase ) approve it and we ( borrowers ) decide that we don't want to proceed then it's not refundable ''. ( Sounds reasonable ) Next day he sends appraisal person to our property and we continue to exchange over 50 e-mails with financial documents. On XX/XX/XXXX Chase state that the loan will no be approved due to debt-to-equity ratio is too high. Then we asked for refund of the " Good Faith '' deposit to which Chase state that they can't refund it since they first need to cover their expenses. And the appraisal of the property cost them more than {$1000.00}. 

I haven't read the full documents and agreements, but I'm pretty sure Chase were aware that those {$500.00} will not be refunded in any case since the average appraisal cost is above {$500.00} in California. If I knew those {$500.00} were not refundable I will not have spend the time and energy to deal with them. 

I think the product is advertised in dishonest way.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. The account listed as XXXX is incorrectly reporting and causing me damages. The consumer agencies are required to report accurate information. Furthermore any account that is charged off with a balance due it should be returned to the consumer not the creditor. How is the consumer agencies reporting this account as a charge off? I would also like the documentation used to verify this information. This account is also reporting 3 different ways which means this account has not been properly verified as accurate. 

Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Cellular Telephone/Paging Companies Wireless Telephone Service Providers Telephone Companies Account Status : Closed Closed Open Creditor Remarks : Collection Account Placed for collection Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Collection account Telecommunications/cellular Account Type : Telecommunications/Cellula Veer, or collect extension, Collection ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct XXXX XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX has violated my rights.

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

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX L 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: Debt collection

I am writing to express my extreme dissatisfaction with the presence of fraudulent accounts on my credit report. It has come to my attention that despite numerous attempts to rectify this issue, these accounts persist on my report, tarnishing my financial reputation and causing significant distress. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion dropped my score 5 point ( XXXX too XXXX. On XX/XX/18 I made a payment to XXXX XXXX account, ending balance being only XXXX on a XXXX limit. All data based on TransUnion XX/XX/2018 I spoke with XXXX XXXX reps and they stated that my due date is XXXX of every month, closing statement is XXXX and then they report to the CRAs on XXXX. Today on the XX/XX/2018 TransUnion erroneous drop my score for No reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a late payment on my credit report from XXXX of 2020 which is not accurate. The credit card company is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I received a response from transunion stating that a bankruptcy on my report has been verified. If information that is being furnished MUST be verified and validated from the original source, not any other third party, How is it that Transunion can claim it is verified. Who has transunion spoken to to verifiy and validate this information at the US Bankruptcy court? I would like the name, contact information, and address of the persons contacted. Transunion is infringing on my privacy and defaming my character by furnishing this unverified and unvalidated information. This is not a dispute verifying its reporting but a dispute on the validation and verification of the item being reported. attached is the letter from the bankruptcy court stating they do no validate or verify ANY information with any 3rd party.
Product: Debt collection

regarding account numbers XXXX this debt is invalid resurgent capital aka lvnv is trying to collect a debt that they purchased so now the debt has been paid this company is not licensed in the state of Michigan to collect debt according to the XXXX website therefore this is against the law according to the state of Michigan and I will be contacting the Michigan attorney generals office promptly unless the debt is abolished and removed from my XXXX XXXX XXXX XXXX credit report ASAP!!!!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company names is Jefferson Capital for a XXXX Account. 
This account is not my account and was a XXXX account my father opened over 7years ago. The information that it shows is inaccurate. I have been fighting to get it off my report and when I do its as if they are just selling my personal information to another collection agency in a attempt to pursue.
Product: Credit card

I initially called in XXXX last year to report charges as fraud through prosper credit card. My credit card was physically stolen and used. Since then, I received a brand new credit card number and got no response afterwards. I then called a few more times over the next few months to follow up. There has been nobody calling me about this. The charges that are fraud are from XX/XX/XXXX. There are 12 transactions total. 1 was declined. 

This is what I see on the app : Everything on XX/XX/year> XXXX XXXX ( denied ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Total of XXXX I have called numerous times and in XXXX was told no fraud claim has been filed. Since then, Ive contacted them 5+ times with no updates. I just contacted them again today and the representative supposedly filed a claim. They say that there is no claim number or anything. I even sent emails. Ive contacted the bank that sponsors prosper card services and the lady tried to help me get them to contact me. Still nothing. 

I was told through a recent email that back in XXXX, I never reported the charges as fraud which is either a lie, or their mistake. I 100 % reported these charges as fraudulent and I think the representative made a mistake. Either way, I contacted prosper and made sure to let them know about the fraudulent charges. As far as I know, the representative may or may not have filed a claim but I have no idea. They cant give me any information and it is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay so I just had a screening done to get a job at pet pantry and I got denied because of some charges that I got on my background and these charges are from 2014 okay and it was the last big case I had when I went to prison that was XXXX years ago 2014 so my threshold in this report says XXXX years and so I don't understand why that 2014 case is still showing on my credit on my background report when it's been over 7 years so that needs to be deleted and I probably would have got the job at pet pantry if that would have been deleted because they highlighted which charge made the factor and then deciding not to give me the job and it was XXXX of the charges from the 2014 case so therefore it's now interrupted me getting a job and making me look even worse and I just want it off my report I don't want to look at it anymore it's not a part of me anymore I have to pass time of my life it's over and I want it gone so please can you delete the 2014 case all of the 2014 cases from my background report they're old if you need to know dates and stuff I mean it's really simple to look at my background you see 2014 XX/XX/2014 is the first XXXX is the date filed and then it goes to XX/XX/2014 and going to go to yeah it's just all 2014 cases need to be moved or moved yeah I removed so if I can get done please thank you
Product: Debt collection

Disputed debt, and won due to it being covered by insurance during covid, still trying to collect from me calling all hours of the night