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

ALTHOUGH I'VE CONTINUOUSLY TRIED TO CHALLENGE THE INACCURACIES IN THE DATA PROVIDED TO XXXX, AND TRANSUNION, REGRETTABLY, THE MATTER REMAINS UNRESOLVED AT THIS JUNCTURE. 

Reporting in XXXX : The following accounts are reporting inaccurately : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reporting TransUnion : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Each of these companies reported a charged off on my credit report since the respective dates shown below, however, they have each failed to provide me with a 1099C for my own filing. 


XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date account closed : XX/XX/XXXX. 
Balance owed = {$1400.00} Actions taken by the company : They continue to report it every month of my credit report. They last verified it on XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX Date account closed : XX/XX/XXXX. 
Balance owed = {$290.00} Actions taken by the company : They continue to report it every month on my credit report. They last verified it on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX Date account closed : XX/XX/XXXX. 
Balance owed = {$0.00} Actions taken by the company : They continue to report it every month on my credit report which was verified on XX/XX/XXXX. Even though it was last verified since XXXX, it continue to show on my credit report.
Product: Credit card

This complaint is with American Express. Consumer says that someone sold his phone and made some fraudulent charges on his account. Consumer states that this person made 2 payments on his account. Consumer can only see payments it doesn't give much information. Consumers account was canceled due to these fraudulent charges Consumer has no knowledge of these charges and has not given permission to anyone to make payments or to charge his account. Consumer wants to know why was this many payments charged to his account without being notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXX XXXX Date of inquiry XXXX
Product: Checking or savings account

On XX/XX/2021 my checking account was overdrawn about {$8.00} and change, I transferred the amount to cover that and bring my account up to XXXX cents by XXXX which I was told by a representative is the cut off time. On XX/XX/2021 I noticed I was assessed a {$35.00} overdraft fee and that my online banking transactions had been ordered in a different way than the night before, making my account negative {$4.00}. I called Bank of America twice to resolve the issue and they said that the overdraft fee was valid and that they can not reverse it. Spoke with manager XXXX ID # XXXX who stated that she can not reverse overdraft fee as per computer system not allowing her to.
Product: Debt collection

I have no financial relationship or obligation with IC Systems. The fact that they have submitted this information to my credit report is in violation of the following.

Under the Fair Debt Collection Practices Act.

15 USC 1692c 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- I did not provide any written authorization for IC Systems to contact me.
Product: Money transfer, virtual currency, or money service

I went to a XXXX XXXX as she advertised on a flyer and all over her front house on a build board and she asked for {$4300.00} dollars because she said I was cursed with XXXX XXXX and my family and children were in danger, I was scared so I zelled her the money and told me to call her back to do her cleansing but when I tried calling her she kept ignoring me and I realized I had been scammed I called my XXXX XXXX to report it and they couldnt do much I also called zelle and they couldnt do much either so I lost mine and my childrens savings because both companies cant get my money back when they can see through their end who I sent the money to I feel let down and taken advantage of it very sad.
Product: Checking or savings account

Last XX/XX/XXXX, I transfer {$1500.00} from my ally account to my external account XXXXXXXX XXXX. Then I received an email from XXXX XXXX that Ally filed a transfer dispute on my behalf without my knowledge and caused my XXXX account to be closed. I asked Ally bank the reason for doing that without informing me about the dispute. Ally bank said that its their responsibility to cover the funds since my account was overdraft last XX/XX/XXXX. As far as I know, they can only cancel the funds transfer if the account holder made an error but in my case, i did not made an error because I already got the transfer to XXXX XXXX
Product: Checking or savings account

Just checking about Wells Fargo setelment from XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name XXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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: Vehicle loan or lease

My daughter car was repossessed in XXXX of XXXX  and which I co-signed for. Before that she had tried to work something out but never did. The next week it was repossessed. We were going to get it back but later found out they shipped the car to XXXX, Georgia after we were told that her car would remain in XXXX, Florida. She picked up a small portion of her belongings from the tow company and had so much more inside of her car. Until this day we do not know what happened to her belongings. There was a lot of value in there and nobody seem to know where what happen to her items. The car was sold and they're still requesting we pay {$13000.00}. It's not fair for us to pay that amount and on top of that they lost her items. She had several pair of shoes, XXXX, and that's just to name a few of the items she had in her car. I do not have the money to pay for this and neither does she. Even though I have a car loan with them after the fact but I still think this item need to be removed from my report. Please Help us with this situation.
Product: Credit card

On XX/XX/XXXX I purchased 2 pairs of shoes on sale on the XXXX website. I received a confirmation email, and it was from XXXX XXXX XXXX which is a company I never heard of and did not order from. I went to the XXXX  website and found that they were not having a sale and when I went back to my confirmation email, there were links to view the details of my order and their website both of which were nonexistent. There were no terms of service, cancellation policy etc., because they do not exist. The only the contact was an email address which I immediately sent an email requesting cancellation. I sent 3 emails and then contacted my credit card company, Citi, and they said I could dispute the charge if it posted. It did post and I filed a dispute. From that point on, I have been going back and forth with them. They supposedly heard back from the merchant who simply said that the product was mailed, and they closed my dispute. I called them and they reopened it because I explained that I have had no contact/communication with this seller and the site does not exist. I sent them all the emails I had, and they closed it again saying I needed a confirmation of cancellation from the merchant. Again, I explained there is no confirmation of cancellation because this merchant has not contacted me in any way and their site does not exist. I asked them to get proof from the seller that it was shipped, and they said they do not do their investigations like that, and they could refer me to a supervisor to take a look at it.. I just received a notice saying they can not help me, and I needed to get a credit from the merchant. I never had any communication with a supervisor even though they said that I would be contacted. I am so frustrated. They take their word without any proof. I am being charged {$110.00} for a product I never received.
Product: Credit reporting or other personal consumer reports

Experian insists on reporting wrong information after several disputes although the credit card issuer sent the the required information. They removed my credit card issues by XXXX from the report then after the bank send them the required letter they reported the balance as XXXX while the card limit in only XXXX and my balance is only {$130.00} according to the last statement. This has been the issue over 2 month and I spoke to Experian but they keep saying they are looking into it then update it wrongly over again. Their incompetence is hurting my credit worthiness
Product: Mortgage

I applied for the mortgage on XX/XX/XXXX. Over the past two months, I have provided all of the documentation that USAA has requested and more. At every turn, they come back and say they are unable to approve my mortgage for one reason or another. I problem solve, come up with a solution, submit additional documentation and they repeatedly find new reasons to deny the mortgage. I have paid one extension fee of {$550.00}, tried escalating to a manager and I am still getting the run around. The most recent reason they have provided is that I do not have enough money in reserves. The documentation I have provided shows that I clearly have enough money in reserves. I am hoping by filing this complaint, that the CFPB can look into this and determine if USAA handled things appropriately,
Product: Credit reporting or other personal consumer reports

I try resolving the problem but the debtor said it was bought out from the lender
Product: Student loan

On XX/XX/23 I requested a refund of payments made during the COVID-19 payment pause in the sum of {$77000.00} from Nelnet. In XXXX Nelnet transferred my loans to XXXX. Both companies claim the other is responsible for this refund. Both companies also claim I am still to be making payments to both of them.
Product: Credit card or prepaid card

Creditor is in violation of Contract law ( full disclosure ) and FDCPA.
Product: Credit card

Carvana LLC tried to access my frozen credit report without my permission and for no apparent reason. I am not in the process of purchasing a vehicle.
Product: Student loan

On XXXX XXXX XXXX I have made a payment of XXXX dollars. 
On XX/XX/XXXX I have made a payment for XXXX For a total of XXXX. I have confirmation by bank and ed financial of this payment. 

However, they only gave me credit for XXXX dollars and XXXX for a total of XXXX. 
They claim that I needed to fax my bank records and proof of payment over, so I did. I have been waiting month for anything. Finally they claimed there is credit on one of my loans as over payment for XXXX. There is still XXXX dollars not posted anywhere. 

They will not move that over payment over, they will not give me back my money. Even with the over payment, Im still short They tell me there is no time limit on when they have to do anything. Meanwhile, those loans that were suppose to be paid off are still collecting interest. 

They have quite literally stole my money and are holding it from me. I have done everything to pay OFF my loan in full, and I get scammed on my student loans when XXXX trying to do the right thing. I am refusing to pay anymore off until this company gives me back my money or puts it towards my loan. Please help me!
Product: Debt collection

I received debt letter from Aargon. called he number on ltr collector would not give me any information on the debt.
Product: Debt collection

I am writing to formally dispute the recent credit report that contains inaccurate information regarding my account. The erroneous information is as follows : [ Specific inaccurate information, such as " charged off account '' and incorrect balance ] I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was incurred.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices.

Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.
Product: Debt collection

I received a notice via mail on XX/XX/year> that a debt owed to XXXX XXXX XXXX has gone to collections, however I never received any written bills, electronic notifications of bills owed, phone calls or emails from the XXXX XXXX XXXX XXXX department alerting me that I had any bills owed. It is extremely unjust that this bill went to collections when I never knew I had a bill in the first nor am I even sure this is accurate in terms of owing this amount at all.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Dispute Regarding Inaccurate Account Information Dear Experian, I am writing to formally dispute the inaccurate reporting of erroneous account information on my credit report. This issue is similar to those currently under scrutiny in legal actions against Experian, underscoring the urgency of my concerns. 

This raises serious doubts about how Experian is verifying the information. 

Erroneous Reporting of Closed Accounts Additionally, the following accounts are inaccurately reported with past-due balances despite being closed : XXXX XXXX  XXXX XXXX {$530.00} XXXXXXXX XXXX XXXX XXXXXXXX accounts with the same number ) Amounts : {$890.00}, {$1000.00} XXXX XXXX  Amount : {$15000.00} XXXX XXXX XXXX  Amount : {$3700.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX Amount XXXX {$1900.00} XXXX XXXX Amounts : {$15000.00} XXXX XXXX ( I never had a contract with this company and Experian stated they verified it as mine with no proof ) Closed accounts can not carry past-due balances. These inaccuracies suggest that Experian has failed to conduct a proper investigation into my disputes, in violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i. 

Legal Obligations I am aware of the ongoing legal actions involving Experian, which highlight similar concerns regarding inaccurate reporting and failure to investigate disputes adequately. It is imperative that Experian complies with its obligations under the FCRA to ensure the accuracy of consumer reports and to thoroughly investigate disputed information. 

Actions Requested Delete Inaccurate Information : The inaccurately reported closed accounts from my credit file. 
Provide Proof of Investigation : Supply verifiable documentation of how the disputed information was investigated and verified. 

Failure to address these concerns promptly will leave me with no choice but to escalate this matter by filing further complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action. 

I request a written response within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Product: Credit card or prepaid card

I went on line to XXXX who I have dealt with before to book a future reservation. 
The website was clear, that they needed my credit card, BUT NO MONEY WOULD BE CHARGED ON MY CARD AT THIS TIME. At XXXXEST, today XX/XX/2018, I received a standard notification from my Discover Card, that XXXX XXXX AN UNAUTHORIZED FRAUDULENT CHARGE FOR XXXX
Product: Credit reporting or other personal consumer reports

I am filing this, complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve chis directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These dates were all taken place on XX/XX/XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently viewed my consumer report and was aware that there are several accouns that are not reporting accurately. I'm request this accounts that I have listed be removed from all my consumer reports to prevent further litagations. I did not consent to any ofthe informtion to be reported which is a viloation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This involves account number  XXXX  SLS, the servicer, has repeatedly ignored my requests to remove  XXXX  late charges. I have asked SLS to change the due date from th e  XX/XX/XXXX of  each month FORWARD to the   XX/XX/XXXX of  each month to stop the confusion that has led to late payments. Those requests have been ignored. SLS services  XXXX  loans I have including the  XXXX  being discussed now. Several months ago, unsolicited, they offered to modify the other  XXXX  notes to interest only for an additiona l five yea rs. I expected they intended the offer will all  XXXX  notes. Again, my inquiries on this have been ignored.  <P/>  SLS  has refused to remove the late charges. The conduct of SLS is at best reprehensible if not criminal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. 

I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. 

In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remains on my credit report. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within XXXX business days after the completion of the reinvestigation.I DO NOT CONSENT TO XXXX-XXXX  FOR VERIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, In XX/XX/XXXX I purchased a used car from XXXX XXXXXXXX XXXX XXXX which I immediately started having major problems with it. Basically, they sold me a lemon. After a year of complaining, airing my grievances online, etc. the company agreed to take back the lemon car but ONLY if I purchased another vehicle from them. Having no choice, I did just that. 

The " new '' used car was purchased in XX/XX/XXXX. I made my payments on-time, yet in XX/XX/XXXX they repossessed the car and took it from my home. There was no reason for them doing this, but being naive I thought it was something I must have done that caused them to take it back. To this date they have yet to send any type of paperwork to me stating WHY they chose to repossess my car just a few months after I purchased it. 

Fast forward to just recently when I viewed my Experian credit report and they have the vehicle that they repossessed listed as derogatory. I had no idea this was the case, and over the years have realized that because of this my credit score was severely damaged, causing me to either not be approved for credit, or approved with outrageous interest rates. 

I did some research and found that according to the FCRA, any creditor must report tradelines with 100 % accuracy. If you look at the repo account you will see that payments were reported by XXXX XXXX XXXX XXXX as on-time for XXXX, XXXX, and XX/XX/XXXX and the repo in XX/XX/XXXX. How can a repo be legally pursued when no payments were missed?! 

I feel like they took full advantage of me and then literally stole from me. First, by taking the car that they had no right to take, and second by reporting erroneous data to Experian. 

I am also including Experian on this complaint as they should have questioned a derogatory status on a clean tradeline.