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

I hereby dispute the current payment status and remark comment associated with my credit report for DISCOVER BANK for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 


The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA. 


I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. 


Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
Product: Debt collection

I am disputing the following account : Moneylion Inc. Account # XXXX. Opened date XX/XX/2019. Original balance {$500.00}. Balance {$0.00}. Closed. 

I already tried to fox this issue with Moneylion. They havent moved a finger. Not even to investigate the account or marke it as disputed.This account is related to fraud, and they keep on reporting it. 

I am demanding XXXX a deletion letter, and this item to be removed from my report. 

Please send to Moneylion the attached documents. 

Thank you.
Product: Money transfer, virtual currency, or money service

XXXX was use from my account dont no how but I. Called my bank and they said that I couldnt get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

MyXX/XX/XXXX bank statement shows payment withdrawn XX/XX/XXXX and have delivery confirmation that payment was delivered onXX/XX/XXXX. While I understand that a late fee is assessed ( included amount in payment ) the final monthly payment was made within same month and I should not have been reported as late to credit bureaus. I provided information to company but they have refused my documentation.
Product: Mortgage

XXXX XXXX XXXX XXXX GA XXXX was under a tax appeal and all real estate tax due were paid as per XXXX XXXX XXXX XXXX timely. Quicken Loans AKA Rocket Mortgage loan # XXXX, with monthly payment of {$920.00} monthly, the mortgage company made a tax payment from a non-existent escrow account. I reached out to the mortgage company to give them the details of Tax Appeal and that all tax due was paid. I demanded they remove the escrow account they created erroneously. I then made contact with XXXX XXXX XXXX XXXX office and was informed that they have returned the funds {$860.00} they received from the mortgage company. XXXX XXXX XXXX XXXX office have provided me with a copy of the canceled check # XXXX for {$860.00} ( Attached here in ) that was deposited on XX/XX/XXXX by the mortgage company. This is a complete restitution of all payments they made on my behalf. Yet they are still making collection efforts on the amount of {$1600.00} that has already been paid XXXX + XXXX {$1700.00}. Ive made many attempts to resolve this with the mortgage company and they still refuse to recognize the funds received. They are threatening to charge a late payment penalty and mar my credit rating. 
On XX/XX/XXXX Rocket said the following via an email. 
Rocket Mortgage reserves the right as the loan servicer to pay at any stage of delinquency. 
The problem with the statement is that there was never a delinquency of any kind, and they knew it at the time. It is the reason XXXX XXXX XXXX XXXX returned the funds. 

Rocket Mortgage has published false financial information on their website. 

This mortgage has been paid timely since loan origination XX/XX/XXXX. XXXX XXXX history in attachments with all the other documents I provided
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the companies that have inquiries on my credit report in which I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, US Department of Education-XXXX, US Department of EducationXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to WELLS FARGO DEALER SVC XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Credit card or prepaid card

XXXX , received a offer in the mail from citibank for a citi simplicity card  XXXX  applied on line as instructed  XXXX  received immediate approval and was offered to transfer balances I put in my balance transfer information and hit submit, the response received was " unable to process your request ''  XXXX  I called citibank, was transferred twice ending with  XXXX  in South Dakota, new applications department  ( n ame of department might be wrong ).  XXXX  informed that with this card citi simplicity, no immediate balance transfers were available. I informed  XXXX  that the application process took me there and said I could do it.  XXXX  acknowledged that this is a known problem.  XXXX  could n't take my balance transformation information over the phone because of " regulations ''.     I find this practice to be misleading. The fact that it is a known problem and continues to exist is even more problematic. It appears that Citibank is misleading customers knowingly. This seems to be a simpl e IT f ix, there is no reason why this should happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A section 2 states a consumer reporting agency Can not furnish a account without my written instruction
Product: Credit card or prepaid card

I check my credit reports, with the three bureaus and always wondered why my XXXX  profile never reflected onto my XXXX  and XXXX  page. With the hard inquiries I already disputed months ago with XXXX, deleted inquiries, I never asked for and so on. For XXXX  and XXXX  I learned that every credit bureau is different and doesn't update your profile based on what the other credit bureau does on your credit file. So for XXXX  and XXXX  I had to re dispute those hard inquires that were still on my credit file. For my XXXX  credit report I have a hard inquiry dating back XX/XX/XXXX, called CBNA. I called CBNA ( Citibank ) on XX/XX/XXXX, Citibank personal, Citibank business, and Citibank credit card customer service, gave them my social number and all told me they don't see an application for that date, etc. I call Citibank in the first place because I ask XXXX  to explain what is their dispute process, etc. They obviously told me contact the company of the inquiry, which I did. I spoke to about 5-6 Citibank agents because all of them clearly didn't see an application and really couldn't help me because they told me I would have to speak with XXXX. I asked for a letter from Citibank to give as documentation for XXXX, but seems they can't provide that. So I called XXXX  explaining the situation, which they probably don't believe me because at the end I can't provide documents, but its not my fault. So it's basically back and forth. So I disputed over 2-5 times of that false information because Citibank stated they don't see an application for XXXX, XXXX, XXXX. So it was authorized by me because I never wanted a Citibank credit card. Obviously me just disputing that hard inquiry through XXXX  website they never delete the hard inquiry, all they say is hard inquiries are a factual thing. I may understand due to no documents, but if I spoke with Citibank, they couldn't find that application and stuff, this hard inquiry might be a mistake? If in the dispute results show they didn't delete the inquiry then that means Citibank told me false information and XXXX  something different. I gave Citibank my social security number and every other personal information, which they have recorded lines and they all state they didn't see that application, dating XX/XX/XXXX.
Product: Checking or savings account

XX/XX/2023 : I attempted a purchase on XXXX using the XXXX XXXX XXXX XXXX XXXX offering to complete the transaction over four payments. The payment resulted in an Error message. Given that the item, which in this case is a Verified Resale ticket, reappeared on the stadium concert map, I believed the purchase was not issued and that I should reattempt my order. I made several more attempts using the XXXX feature on the XXXX site, and received Error messages each time. I ultimately gave-up on the seat, chose another, and used a credit card to pay up-front in full, i.e., not using XXXX to secure the purchase. This attempt allowed me to purchase a ticket and I received one confirmation email. 

I then noticed several pending transactions on my credit statement from XXXX. I immediately reached out to customer support given I used credit for my successful transaction. The XXXX representative reassured me the pending credits would disappear after the merchant ( XXXX ) refunded or canceled the charge. This initial charge amounted to {$190.00}, roughly a quarter of the total {$790.00} XXXX purchase. 

XX/XX/2023 : After waiting for the pending charges to clear, my credit statement revealed the XXXX payment had not been removed and additional charges would soon be on the way. After calling XXXX again, I was told the issue must be taken up with the merchant, XXXX. 

After waiting over 3 hours for a XXXX representative to reply to my complaint via Web Chat, I was told that the purchase had indeed gone through and I was the holder now of two tickets ( didnt matter they werent remotely close to one another ). I was told that XXXX was in fact not the primary seller, and that their Verified Reseller program is simply a marketplace. I was referred to a lengthy and convoluted policy of nearly XXXX words at XXXX  : XXXX? language=en_US. A representative suggested I might receive additional outreach from Customer Support within 3 5 days while they examine the case and consider a refunding option. However, it is extremely unclear the mode of contact and whether I will be contacted at all. I am urging the CFPB to investigate this and similar matters with ticketing platforms that cloak as a marketplace in order to skirt accountability.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting

To whom it may concern, I recently applied for credit with my bank and was declined because of a low credit score XXXX from XXXX three ( 3 ) months prior. While researching the cause of the low credit score, I found there was no justification for my score to be at such a low mark and I seek an internal investigation on all three ( 3 ) reporting agencies for possible XXXX individual discrimination. As a United States tax paying citizen without any derogatory reporting and without any paying delinquencies with my creditors, I am seeking to establish a potential law suit to challenge the status quo of the following organization. These agencies consist of XXXX, XXXX and Equifax. Please inform me about how I can pursue to challenge and correct this matter, XXXX - XXXX
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  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a 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

There is a lot of incorrect personal information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, Transunion and XXXX has neither corrected nor removed disputed items despite the evidence I've provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove and amend to disputed accounts, as XXXX, Transunion and XXXX 's inaction violates Federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank closed account and cancelled by credit grantor in XXXX/2012. Account is showing as " profit & loss '' but is still showing on my credit report. This needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Please take immediate action to block and remove the erroneous accounts from my credit report. This is a matter of urgency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax report there is two late payments from XXXX XXXX XXXX XXXX showing up..I have never missed a car payment and believe there was some confusion when my insurance and Gap insurance paid off my car..I spoke to the bank about this issue and was told to contact Equifax about fixing the problem..
Product: Mortgage

I paid off a second mortgage on XX/XX/XXXX. Bank of America is required by Virginia Law to provide a lien release to the county/city where the property is located to release the mortgage lien within 90 days or face a {$500.00} fine. On Wednesday, 90 days will have been reached and I want confirmation that Bank of America is going to receive the fine they are due. I have reached out to the bank dozens of times and they refuse to provide me with any evidence that they are processing my request. Bank of America was sued by New York for {$6.00} XX/XX/XXXX in 2 class action lawsuits for this exact same thing back in XX/XX/XXXX. Failure to provide the original letter of satisfaction to the clerk 's office to release the lien. They are doing it all over again and it is XX/XX/XXXX. The attorney general needs to file a class action lawsuit for Virginia customers of Bank of America and ask for {$10.00} XXXX because Bank of America is obviously flaunting the law.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States that I have a right to privacy. 

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

I ordered two XXXX watches from the online store express and the watches never arrived. I called express a month after I noticed the watches havent made it and the representative XXXX told me to give it a little time due to the coronavirus delaying mail routes. Another month and a half passed and still no watches. After countless email sent to XX/XX/XXXXXXXX and comenity bank I was told I could not receive a refund and I had to still pay for the good even though I never received them. How is that legal? How is that fair, on top of that they are giving me late payments on the account and I havent even received the items. This is bullying and must be stopped they are taking advantage of me. Please reach out to them and Attorney General.
Product: Checking or savings account

An unauthorized user set up an auto pay using my account information. The amounts were not significant each month and came from a valid vendorXXXX XXXX XXXXXXXX, that I use, which is why it did not catch my attention for 3 years. USAA, my bank will not do anything for the charges older than 60 days. Even though the vendor said they should reverse the charges back to the vendor so they can be placed onto the correct account as a balance due. 

I am out XXXX XXXX dollars and the bank will not do anything to assist me.
Product: Credit reporting or other personal consumer reports

Recently Checking my credit report i noticed that i have been a vicitim of identity theft and found numerous credit inquiries i no knowledge of here arethe inquiries that i have found XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, please remove and dispute listed fradulent inquiries from my credit report thank you