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

On XX/XX/19 I returned a water dispenser to XXXX XXXX XXXX. XXXX XXXX accepted the equipment and emailed me the return form which brought the balance down to {$0.00} as she stated I was only being charged for the equipment. She then emailed me a screenshot of her computer screen showing {$0.00}. I have now opened 2 disputes with both XXXX and Equifax regarding XXXX XXXX XXXX XXXX intentionally reporting incorrect information on all 3 of credit reports. The credit bureaus are allowing this with fake investigations even with me having documented proof the info needs to be updated and removed. When speaking with XXXX on XX/XX/XXXX, I got the run around and a younger XXXX XXXX XXXX with an aggressive undertone stating he'd call me back without even knowing who he was talking to. I made a 2nd visit to XXXX XXXX after this call to see if I could work directly with them to clear this up. I spoke with the route manager XXXX. He pulled up the account and verified for the 2nd time there was a {$0.00} balance. He couldn't find any existing bills. He gave me XXXX collections dept # to call, I called at XXXX and was left on hold with no answer until XXXX when they closed and phone disconnected. All of these companies are in total violation of fair reporting laws. I know for a fact XXXX can not verify I owe them {$340.00}! That's how I know the credit bureaus are not really researching anything. I will be opening up a complaint with the attorney general if this situation doesn't get researched and rectified at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX current on payments XXXX XX/XX/XXXX current on payments XX/XX/XXXX no data XXXX XXXX XXXX XX/XX/XXXX current on payments XXXX XXXX 30 days past due XXXX XXXX 60 days past due XXXX XXXX 90 days past due XXXX XXXX 60 days past due I am missing data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2 late payments were previously removed per dispute. All should have been removed per natural disaster and covid 19
Product: Student loan

I attempted to pay a Nelnet loan group in full on XX/XX/2019. I tried to pay by debit card but Nelnet said that my account number on file was sufficient. Several days later, the payment wasnt processed and declined. I called Nelnet to make the payment by debit card and the debit card was declined. I increased my debit card limit to pay the loan group successfully and I call Nelnet again and they said it is US Department of Education/Nelnet policy not to let me make a payment more than {$2000.00}. Im begging for Nelnet to accept my payment so I dont accrue any further interest in this loan group. This is sadism.
Product: Credit reporting or other personal consumer reports

I have tried several times to get my address information updated. I received responses back stating all was updated. I even spoke to a representative who said she will get the files corrected. An address that they are using as a current address is not even an address that and I live dad. That is a business address! Therefore, correspondence that they are sending with my personal and confidential data is going to the wrong place and I have pointed that out several times. As of today, it is not correct.

Address is listed are not my addresses. They were probably XXXX  during work travel. The only addresses should be those that I have attached with a green checkmark. Those that need to be deleted have a red X.

They also have my names in the wrong spot. My current name should be under former name ; my former name should be listed under current name.

I have requested to have my phone number removed.
Product: Money transfer, virtual currency, or money service

I deposited money in to the crypto trading app Kraken XXXX  times successfully then I got an error message saying to contact customer support to deposit any further funds. I then contact support who tells me to send the front and back of my debit card and bank statement. I send everything they ask for and wait a week and counting, contacting them every other day for an update. Two days after I contact them I suddenly cant even log back into my account which has my funds in it. When I called customer support again they said I cant do anything about it and he hung up while I was speaking. Absolutely rude and a complete scam.
Product: Debt collection

sent 2 certified letter on XX/XX/XXXX In-Transit, Delayed XX/XX/XXXX at XXXX XXXX In Transit to XXXX XXXXy On its way to XXXX, FL XXXX also a certified letter XXXX was delivered on XX/XX/XXXX the letter stated any correspondence to the letter should be in writing by a form of letter. sent to XXXX XXXX XXXX card. the repeatedly phone calls continued.. 

this is the email that I received today XX/XX/XXXX It's important that we get in touch today. 

Pay your past due balance on your XXXX XXXX XXXX account online or call XXXX for assistance. 


Your account is now being handled by Synchrony Bank. Please contact a representative today at XXXX to discuss your payment options. 

Account number ending in XXXX LOG IN AND PAY i did not receive the notification by mail in a form of letter.
Product: Debt collection

Williams and Fudge did not make me aware that debt from XXXX XXXX XXXX was apparently transferred to them in XX/XX/year>. Williams and Fudge has been contacting me twice daily on a number used for work at XXXX and XXXX XXXX, causing a disruption to my day. I have already let them know that I am disrupting the debt and to cease contacting me. XXXX XXXX XXXX additionally will not allow me to pay down the debt independent of Williams and Fudge.
Product: Credit reporting

I had a collection on my credit report, I disputed it and was given a code that said : Deleted - This item was removed from your credit report Remains - This item was not changed as a result of our processing of your dispute. 
Updated - A change was made to this item ; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you. 
Processed - This item was either updated or deleted ; review this report to learn its outcome Credit Items XXXX Account Number : XXXX Outcome : Updated meaning the only update that was done is that i paid it, It should not be on there to start with, I moved 2 years ago and they sent all the bills from the emergency room to my current address but this one, it was sent to my old address, as soon as i saw the negative on my credit, i called them and paid it, They told me the bills were sent to my old address, As you probably know, when you go to the emergency room you get many different bills, If i do not receive it I ca n't pay it.If you look at my credit history you can see I 'm never late and pay all my bills, XXXX requesting for this to be removed and all i get is that it was updated because i paid it. Thank you for all of your help. : } I do not have any supporting documents.
Product: Vehicle loan or lease

Financed a XXXX XXXX XXXX through Chase Bank XX/XX/XXXX. First was told 90 days no payments which was not the case. Called to bring loan current and was told account was charged off and that I only had XXXX options. First surrender the vehicle or second pay XXXX $ on an {$78000.00} loan. Was also told that I will be receiving an IRS form 1099C showing that I received a payment of {$86000.00} even if I pay the loan in full. I was told this by two different supervisors at Chase financial. So the bank charges off {$86000.00} as a loss with the IRS, Keeps an additional {$86000.00} in profit if I pay in full and I have to show to the IRS that I received an additional {$86000.00} in income that I never receive.
Product: Debt collection

Hello, each month I send my insurance payments via my bank to USAA and coincidentally about every 3-6 months, USAA claims that they did not receive the payment and charges a {$25.00} late fee. The most recent incident took place XX/XX/2022. After learning that my payment was not received, I called my bank and conferenced a call with USAA to verifying that my XXXX payment was made. USAA claimed that they would research and get back to me regarding the payment and the waiving of the {$25.00}. Yesterday, I received an email stating that my account was behind and will be cancelled. I call on XX/XX/2022, to find out what had taken place and they said that my XXXX payment was never received. I told them that I will make the XXXX payment ; however, I refuse to pay the {$25.00} late fee. They are refusing to remove the late fee because they said that they had already removed two -- which by the way was caused by the same " missing '' payments routine. 

It is my belief that USAA is purposely misplacing payments so that they can charge their clients unnecessary {$25.00} late fees.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Scam trying to make threats on a loan I never made and send to collections. They said they were from speedy loans. They knew my name and offered me my last 4 of SSN. 

Phone number they called from is XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

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

Equifax continue to report a public record bankruptcy on my report. They stated on my report that they validated the alleged bankruptcy via XXXX but the bankruptcy is not on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Helvey & Associates in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as an unpaid balance that went into collections. I paid this balance in full in XX/XX/XXXX directly with XXXX XXXX, so it should have never gone to collections or have been reported as past due. I have not received a response from them.
Product: Debt collection

Arc management group has harassed me, trying to collect a debt that is not accurate and has already been paid for by insurance. I have provided documentation to prove that I do not owe the debt. I have the proof of payment, proof of updated balance due. They refuse to take this off my credit and it is hindering my ability to obtain student loans.
Product: Credit card

I had called because I have been fraudulently being charged interest rate by this bank. I have a XXXX balance and paid in full my credit card and they were still charging me for interest. I called and I asked to speak to a Manager several times and they said a Manager would call in 24-48 hours. It's been a month and no one has called. Interestingly I noticed on my other credit card they are charging me fraudulent interest fees. I had paid off my credit card in XXXX and still being charged the interest fees. These are credit cards ending in XXXX and XXXX. I had called XXXX from my Chase Bank at XXXX XXXX XXXX XXXX XXXX. XXXX, AZ XXXX and she never verified me and ran off my personal information when I called in last month. I was disturbed that she ran off my personal account information without verifying who I was. She provided her boss XXXX XXXX 's contact XXXX. He said he would call me back and it's been a month. I've left him XXXX messages he never called me back. He has been extremely horrible. I called back today XX/XX/XXXX and XXXX answered and I told her that I need to speak to a Manager that would call me back and she said XXXX 's only the person. I told her I've left numerous messages and he doesn't call back. When I told her that I am so upset and will finally file a complaint she said well I guess I will hang up on you now then and she actually did. She needs to be reprimanded.
Product: Credit reporting or other personal consumer reports

My family and I have been a Bank of America customer for over 30 years. Over these years we have utilized various BofA services, securing loans, including a XXXX Mortgage with a second mortgage. In 1996 we established a family, veteran, minority owned small business with a SBA-baked loan. 
This is about the second mortgage ( balloon home loan ) from XXXX, maturing on XX/XX/XXXX. Despite seeking consideration for a lower payoff and encountering challenges during a modification attempt we navigated the process. During all the interactions with BofA I always asked if I could make another monthly payment, and was told that I could not due to the loan reaching it's maturity, and during the modification process it was not necessary. However during the modification process my loan was in fact sold, even though a letter I received from BofA on XX/XX/XXXX stated in the 4th bullet point, that if your loan is being revised or modified then this sale would not affect me. This was frustrating due to the amount of time, phone calls, and due diligence in getting all documents for the modification package. 
Afterward, our family owned business received a generous offer from our business bank of XXXX years, providing a {$30000.00} discount to pay off the remaining balance of a once {>= $1,000,000} loan. Excitedly I applied for the second mortgage with XXXX, only to encounter a setback due to a reported {$31.00} late mortgage payment in the last year with BofA. Upon contacting BofA, I discovered the loan being transferred during a loan modification, had caused confusion about its status. despite acknowledging the error by several different BofA representatives, this situation for {$31.00} has caused frustration and a huge impact on our credit. Numerous attempts to resolve the issue, including calls, service request, and interactions with various BofA departments and representatives. The last contact on XX/XX/XXXX was with a supervisor named XXXX from XXXX, who displayed a total lack of empathy, or understanding. She kept informing me that this was all my fault and there was nothing she could do to help. 
I have been a loyal customer of BofA since XXXX. I urgently request the removal of the past due payment of {$31.00} from my credit bureaus. We are counting on the {$30000.00} for fourth-quarter Inventory. This {$31.00} has significantly impacted our small business. I believe that BofA, in line with its commercials will rectify this situation promptly allowing us to save our employees jobs and our family company. 
Respectifully submitted XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX my account was hacked by a spam call. Bank of America closed the account to investigate and gave me a new account. In XX/XX/XXXX they forced closed my account and charged me with the fraud on my account. On XX/XX/XXXX they withdrawal {$350.00} without my knowledge and didnt explain the reason.
Product: Checking or savings account

XXXX, I lost my job because of Covid recession. I tried my best to keep up with paying my bills and also maintaining my Chase account ending in XXXX. Chase however, took a total of {$4000.00} in overdraft fees. I paid Chase a total of XXXX times fee of {$34.00}. Some of my overdraft fees were for small amounts of under {$50.00} dollars. While I waited for my unemployment checks to clear. I paid Chase a total of {$4000.00} in overdrafts fees for the year of XXXX I called numerous times to request a solution, Chase however stated that nothing could be done. I have attached bank statement which shows total balance of overdraft fees for the year of XXXX
Product: Credit reporting

SOLD MY HOME XX/XX/2016, PAID OFF XXXX AND XXXX EQUITY LINE OF CREDIT. TRANS UNION CONTINUES TO INCORRECTLY REPORT A $ XXXX + BALANCE ON MY CREDIT REPORT. FILED A DISPUTE THROUGH XXXX XX/XX/2016, TRANS UNION IGNORED IT. XXXX LAST REPORT, PAY OFF DOCS, TO THEM WAS XX/XX/2016. STILL SHOWS ON MY CREDIT REPORT & HAS AFFECTED THE COST OF CAR INSURANCE AND OBTAINING A NEW MORTGAGE. PROOF OF PAYOFF UPLOADED HEREIN. TRANS UNION UTILIZED FOREIGN CUSTOMER SERVICE. I WANT THIS CORRECTED ASAP. THANK YOU
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent Credit Information Due to Identity Theft **To Whom It May Concern : ** I am writing to formally dispute fraudulent information on my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, which pertains to identity theft.

I recently reviewed my credit report and identified the following account ( s ) that I did not open and believe to be a result of identity theft : XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$480.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} These accounts are not mine, and I am not responsible for it. I am a victim of identity theft, and I request that this fraudulent information be blocked and removed from my credit report immediately as allowed under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). I have been XXXX  since XX/XX/XXXX Enclosed, you will find the following documents to support my claim of identity theft : 1. A copy of my government-issued ID.

2. A completed Identity Theft Report ( a copy of the FTC Identity Theft Affidavit ).

3. XXXX XXXX as proof of my XXXX Please conduct a thorough investigation into this matter and remove the inaccurate information from my credit report. In accordance with the FCRA, I expect to receive a response within 15 days from the date of this letter. 

Thank you for your prompt attention to this matter. I look forward to your response confirming the removal of the fraudulent information from my credit file. 


Attachments - Copy of Government-issued ID - Identity Theft Report
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my credit report from American Express on or around XX/XX/2019. I did not give American Express permission to pull my credit.