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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( D ) ( 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 victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts, insert your accounts you want deleted here 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 reporting, credit repair services, or other personal consumer reports

I have student loans reporting on my credit file.. I am a XXXX veteran and my student loans and been paid for by the US Government.. I am not responsible for these loans
Product: Credit reporting or other personal consumer reports

Hi EXPERIAN, I just receive a copy of my credit report and can not believe what I see. Someone stole my identity and open this fraud credit card account without my knowledge. I was on the phone with the fraud team from XXXX XXXX credit card and they told me this account is no longer on their system. The fraud team also told me that I have the right to have this fraud account delete from my credit report since they already flag it as fraud. I would like to exercise my right to have this fraud account delete from my credit report.
Product: Credit reporting or other personal consumer reports

Upon checking my personal EQUIFAX account, I realized that I have incorrect information in my credit report. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There is a record of late payments and that is not correct. 

According to consumer protection, EQUIFAX is violating the following laws : 1. According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681s-2 and 15 U.S. Code 1681i.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

5. It should be noted that the dates on which the alleged late payments are being reported coincide with the date on which the covid-19 pandemic began, violating a very important law which is the ''The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act XXXX XXXXXXXX XXXX '' The dates on which the incorrect late payments appear are described in each account as follows : 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 

EQUIFAX must respect consumer protection laws and assume its responsibility to take care of citizens and not take advantage of wanting to benefit from inaccurate information. 

This is not the first time I have tried to contact experian and they have not shown any interest in resolving the errors they are making and are affecting my credit history.
Product: Checking or savings account

Hello. I have been banking with chime for multiple months until XX/XX/XXXX of this year, when they notified me my account would be closed. They asked for documentation to re open my account which I promptly cooperated and submitted everything. About a day later they notified me my account would remain closed and my funds would be seized. They didnt tell me why and now its been 2 months and they wont respond, they just keep saying it will be brought to an account specialist This is criminal, this is disgusting and it is illegal, it clearly violates the consumer act. 
I have done some research and it shows this is a common occurrence by them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain negative information on my credit report. Specifically, XXXX accounts that were included in my bankruptcy are showing incorrect dates and are inaccurately reported as adverse. Under 15 U.S. Code 1681e, credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information they report. 

Details of the Disputed Accounts : Account Name : XXXX Account Number : XXXX Date of Bankruptcy Inclusion : XXXX Account Name : XXXX Account Number : XXXX Date of Bankruptcy Inclusion : XXXX Description of Dispute : The accounts listed above were included in my bankruptcy, and according to the FCRA guidelines, they should not be reporting as adverse. Furthermore, the dates reported are inaccurate and do not reflect the correct information. This discrepancy violates the requirement for accuracy under 15 U.S.C. 1681e.
Product: Credit card or prepaid card

this month of  XXXX     2017 i ha ve several small charges and a refund f rom Amazon. the bank  and coustomer service deny the going ons ... i belive it to  be a 3rd  party.   XXXX   my bank is filing for fraud .  XXXX   XXXX    2017.     XXXX
Product: Credit reporting or other personal consumer reports

This complaint serves as a follow up notification regarding my unfortunate encounter with identity theft in the previous complaint dated XX/XX/XXXX. In compliance with Section 605b of the Fair Credit Reporting Act ( FCRA ), I have formally reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. As outlined in FCRA guidelines, Credit Reporting Agencies bear the responsibility to investigate all inquiries specified in an identity theft report : XXXX===EXPERIAN 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 Attached herewith are documents intended to facilitate the investigation of inaccuracies currently reflected on my credit report. The listed inquiries are not associated with my identity. Pursuant to FCRA Section 605B ( a ), Credit Reporting Agencies are compelled to initiate an investigation into any information identified by the consumer as resulting from alleged identity theft, no later than four business days from the date of receipt.
Product: Credit reporting

Transunion continues to report inaccurate information on my credit file and denies me access to Transunion as the law requires. They have placed me in their " priority '' department which has no XXXX number so everytime i call, no one in Transunion has access to my credit file because it is handled by a " special department '' which has no number and when they transfer me it goes straight to a voicemail that never gets returned. I have sent Transunion a dispute via certified mail, via fax and via regular mail. I have waited more than the 30 days allowed by FCRA. They simply respond that the account is verified and do not do anything with my dispute. I 've even contacted some of the original creditors and they have confirmed no contact has been made with them. Most recently i filed a dispute with the BBB where i had sent supporting documentation to which Transunion simply read the first sentence of the dispute and responded that my documentation is not sufficient. To be specific i have a letter from XXXX stating that they have instructed Transunion to remove unathorized hard inquiries from my credit report yet Transunion refuses to do so because they state that XXXX has not been specific enough. They simply drag out the process to make sure that they can keep reporting negative inaccurate information because of course that is how they make their money. I have been trying to get inaccurate information removed for almost a year and have not gotten anywhere with this credit bureau.
Product: Debt collection

On or about XX/XX/2021, I sent an email to Credit Corp Solutions asking them to : a ) cease and desist with any further phone calls and, b ) to provide verification of any alleged debt, I provided them with my mailing address through the end of XXXX, 2021. Since that time, they call at least three times a day from various numbers, purportedly local to XXXX. On Monday, I answered one call and the person on the other end insisted on getting me to divulge personally identifying information. When I refused, she told me they would continue calling. I received another phone call today, XX/XX/2021 at or about XXXX, CT. I should not have to make repeated requests for them to cease and desist.
Product: Debt collection

I am writing to invoke my specified remedy for the damages done to my life. There has been XXXX XXXX done to my life due to the closure of my longest opened credit credit and debt collection of the remaining balance on the closed card. These unlawful actions by Discover hindered my ability to make critical financial decisions for my business, which is the source of my income. The damages that were done directly impacted my XXXX, XXXX XXXX XXXX, have taken away my time & energy to fight for my rights as a natural person, and have affected my XXXX XXXX due to the XXXX XXXX. The abusive practices of Discover have been tearing away at my life. It has made living this life a continuous and constant XXXX and nobody should have to go through the XXXX XXXX XXXX XXXX of not having enough money to make it each and every month that goes by. The damages done to me are worth much more than my requested {$31000.00} and I could be adding much more to the invoice I have already sent for all the hardship that I was put through as a result of the abuse and deceit, but I will settle with the {$31000.00}. The civil liability sections under the Consumer Credit Protection laws that I have added into the letters, protect me as the consumer and hold XXXX liable to providing me with monetary remedy for the misrepresentation, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX 2016, I sent XXXX letters to Midland Credit Management requesting proper debt validation per Texas Finance Code Section 392.202 which requires a debt collection agency to provide the alleged debtor with specific information concerning their debt including but not limited to : Name & Address of original creditor, original date of default, date debt was transferred from original creditor to third party debt collector, original balance, current balance, any fees added by the agency, and Texas surety bond information required by Sec. 392.101. I sent ( XXXX ) separate letters for MCM Account numbers # XXXX, # XXXX, # XXXX. The letters were received and signed for by Midland Credit Management on XXXX XXXX, 2016. On XXXX XXXX, I received XXXX letters for each respective account number from Midland Funding stating that the status of the account would be changed to " disputed '' with the XXXX major credit bureaus but further stated that " After reviewing he information you provided, as well as our account notes, and information provided by the previous creditor, we are unable to determine the nature of your dispute, and consequently deny that our records are inaccurate. We will be closing our investigation of your dispute and resuming regular collection activities as allowed by the Texas XXXX XXXX and/or the Fair Credit Reporting Act. '' I replied sending XXXX separate letters ( one for each account ) clarifying that in no way was I giving Midland permission to mark the account as " disputed '' with the credit bureaus, that I was requesting proper debt validation per the Texas Finance code. As of XXXX XXXX, 2016 I still have not received proper debt validation under the Texas Finance Code for the ( XXXX ) Midland Collections Accounts that I requested. Midland Funding has not validated these alleged debts within the 30 day window that the Texas Finance Code 392.202 ( b ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed a payment with Santander Consumer USA. My account is XXXX and the last payment made was XX/XX/2021 for the payment amount of XXXX. My payment is not due until the XX/XX/XXXX of each month. Santander reported on my credit report that my account was 30 days past due. This is incorrect. I want this removed from my credit report immediately. 

My total loan payoff for my car is {$680.00}. I was told by Santander ( check recordings ) that I could continue to pay this balance as i would normally pay my car payment. Now they are reflecting it as past due. It is not. I have never missed a payment. I pay early.
Product: Debt collection

I am in a payment agreement and yet I am still reported incorrectly to the credit agencies and also have many inquiries to check my personal credit.
Product: Money transfer, virtual currency, or money service

My company, XXXX XXXX XXXX XXXX, was paid through Square by XXXX XXXX XXXX on XX/XX/21 in the amount of {$1200.00}. I received an email on XX/XX/21 from Square that {$1200.00} would be transferred into my bank account on Sunday, XX/XX/21 and would be reflected in the bank account balance on Monday, XX/XX/21. My Square account was hacked into and the account number was changed to a bank account number that was not mine. Therefore, I never received the money. I have replied to the XX/XX/21 email Square sent 3 times and have not gotten a response. I have attempted to call their customer service number and the automated system keeps referring me to an email I did not receive. I do not know any other way to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This lender has checked our credit score on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. OnXX/XX/XXXX he told us that he was going to call us back in order to start the housing process. He never called us and ghosted us. I have been asking for my credit report and he has not responded back. He was very unprofessional and has not taken the chance to write back.
Product: Credit card or prepaid card

The company did not allow me to pay the bill online. When checking out the best buy cashier asked me if I wanted promotional no interest financing I said yes and handed them my ID to enter in information. They entered the information wrong and I never got any bills or a card. Next thing I see a late payment on my credit report. I immediately call best buy to try to get the issue resolved. They deny me a online log in because I did not have the card that was never sent to me. The promotional financing advertisement pamphlet clearly stated I would be able to pay the account online as it is the most convenient way as well as I have a natural habit of paying my bills online and would not have agreed to getting the card if I was unable to do so. After the fist set of missed payments on my account I tried to set up automatic payments over the phone to avoid getting late payments. The fist payment went through then all subsequent payments did not. I pay all my bills through the internet because I am a college student who also works full time and has kids. If someone is not going to take payment via a web portal I do not have the brain capacity or the time to remember to call every month to make a payment.
Product: Credit reporting or other personal consumer reports

I am submitting this statement to address inaccurate information reported by TransUnion regarding my account with XXXX XXXX XXXX  XXXX. Specifically, the payment status for this account is reported as " 30-59 Days Late, '' which contradicts the payment history showing 100 % on-time payments. 

This discrepancy does not reflect my accurate credit behavior and could negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I request that TransUnion investigate and correct this error to ensure my credit report reflects accurate and complete information. 

I appreciate your attention to this matter and look forward to resolution. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had my bank account liked to coinbase. Someone hacked my account and made unauthorized transactions to coin base worth about XXXX dollars and then transfer those funds/crypo to their own wallet. 

i am at the loss of XXXX dollars now, I tried to get in contact with coinbase and they were no help. 

i also asked my bank tp help recover my money as well.
Product: Debt collection

This company gave my information to a third party agency and calls me not giving their name trying to collect a debt. 
XXXX XXXX XXXX XXXX XXXX XXXX 15 USCode 1692C and they violated this code
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a report on the company XXXX and also XXXX has been reporting incorrectly information and has yet to be removed and are fraudulently accounts : XXXX XXXX in the amount of {$1200.00}, Credit & Collections in the amount of {$870.00}. I have filed several disputes and I have not heard back from or received any letters, no emails, no calls, and they have not reached out to me in anyway. The company XXXX is still reporting incorrect information that need to be removed in order for me to be able to purchase my very 1st home. I am not understanding why The company has yet to remove these fraudulent accounts it has been several years now they have been reporting the wrong information. It should not take this long to have these accounts removed. I was told that it should only take 24 hours to have these fraudulent accounts removed from my credit bureau reports. I have submitted police reports Ive filed several complaints with the FTC and I am now fed up and filing a report on XXXX and XXXX. There is XXXX reporting fraudulent information on my credit report for XXXX in the amount of {$290.00}. XXXX XXXX ( XXXX  ) {$1200.00} XXXX  has yet to remove the following. Please have this removed immediately!!!!!!
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XX/XX/XXXX {$11000.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX  XXXX XX/XX/XXXX {$12000.00} XXXX XXXX  XXXX XX/XX/XXXX {$15000.00} XXXX XXXX  XXXX XX/XX/XXXX {$5800.00} XXXX XXXX  XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XXXX XX/XX/XXXX {$34000.00} XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$7200.00}, 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. 

15 U.S.C 1681x. ( 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: Debt collection

PBCM received an account from XXXX XXXX that is more than 7 years old. Debt is not legitimate. Complaints filed with FCC against XXXX for cancellation charge that is not valid.
Product: Mortgage

The servicer of my loan is unable to process payments and update my account as expected. This is a result of the company providing me with an escrow analysis that gives me 2 options when the account is in shortage. I can either pay the amount of 12 months or pay the shortage in full. I chose to pay the shortage in full. I provided payment well before the due date and the amounts applied to the account were incorrectly applied at first. The company resolved the issue and sent out an updated statement. In the following period, I received a statement that was incorrect, I subsequently found out that the statement was incorrect due to the subsequent period which is now current having the applied funds being incorrectly applied. 

In effect, period 65 stated options A and B. I chose B. Payment applied incorrectly, then corrected and new statement received. Period 66, incorrectly received statement for A, but payment was applied correctly for B. Period 67, incorrectly received statement for A, payment applied for A which is wrong. Future period 68, shows statement for A incorrectly. 

Mortgage Billing Statements Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong for period XXXX Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong, XXXX Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong, 67 Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Right, 66 Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong, 66 Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Prior updated payment, period XXXX I submitted the current payment from my account on XXXX/XXXX/XXXX that WFM received on XXXX for the XXXX due date. When reviewing my account status online, I expect it to show correctly. As of today, the amounts shown are incorrect and the dates applied are incorrect, " Last payment received on XXXX/XXXX/XXXX ". When I receive payment confirmation emails, I review my account. I received confirmation on XXXX that applied funds had been corrected but found that my payment had not been applied correctly. 

In summary, the servicer of my account is failing to provide accurate service. For a bank I find this alarming and would expect that the application of my payment be precise as well as the billing.