23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> i filed disute XXXX which was equal too {$1500.00} it consisted of 6 merchants. ( my card was stolen at the time ) On XX/XX/year> the dispute was declined. 
On XX/XX/year> i requested the information used to come to the decision. the only information used to make the decision was a list of the merchants and amounts ( chime did not reach out to any of the merchants ) On XX/XX/XXXX i filed a dispute rebuttal XXXX this dispute was denied the same day. 

somewhere along in the dispute process i reached out to XXXX and got multiple forms of confirmation that the purchases from XXXX where fraudulent and i also cut the dispute down to just the XXXX purchases. My dispute was still being denied time and time again until finally chime decided that the {$430.00} of XXXX charges where fraud. XXXX admitted that chime did not once reach out i was the only one to investigate it. 

Now that it is clear that fraud was taking place i wanted to go back and add the other charges from the other merchants but chime winded up closing my account. this whole thing took me like 5 rebuttals and i had to do all the leg work. the other merchants i could not locate to contact being that chime refused to investigate and never sent me any valid documentation from my dispute clarifying otherwise matter of fact the only documentation was from me showing that fraud was clearly taking place. 

I would like to resolve the other merchants and the rest of the charges but chime refused to help me what so ever and would only send copy and paste replies
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX XXXX XXXX XXXX  Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may  be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had disputed a XXXX late with Synchrony Bank Care Credit and they responded stating they would not be removing my XXXX late as they were reporting accurately even though I was set on auto draft. I thought that was the end of it and was very disappointed. I however, recently checked my credit and noticed that Synchrony Bank Care Credit had removed the late from XXXX and put it on for XXXX?! Not only that, they really affected my credit by saying it was a brand new late. I was never late for XXXX or XXXX! You can not just move lates around and continue to hurt my credit score. This is ridiculous and as a long time customer, I had never been late before and this was just so infuriating that you dropped my scores from the high XXXX 's to low XXXX 's. Then that wasn't good enough so you removed and added a new late bringing my scores down again?! I need you to remove these lates and stop damaging my credit.
Product: Mortgage

There was a small lapse of insurance when I switched insurance and they penalize me by XXXX  an XXXX XXXX  when I was effectively paying taxes and insurance on my own for over XXXX years, but XXXX mistake and they XXXX an XXXX for the insurance for the XXXX of the loan. This is not fair and I was not given any warning
Product: Debt collection

I am a victim of identity theft. Several accounts at XXXX XXXX were opened in my name without my knowledge, authorization, or approval. I disputed these accounts and after an investigation, several of the accounts were removed from my credit report. There are two accounts that remain that were associated with the same fraud. These accounts are XXXX and XXXX. I am attaching a copy of a letter from Portfolio Recovery regarding one of the other accounts removed that was part of this identity theft. The accounts in this complaint are a result of the same identity theft.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I have gathered the following information from my XXXX, Transunion, and XXXX credit 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 XXXXXXXX ( XXXX ) ... all have violated my rights as listed below. 

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

I won't to Opt-in I keep getting denied
Product: Student loan

I had my student loans forgiven after the XXXX agreement with my original provider, My Great Lakes . Now my information has been transferred to a new company, Nelnet.

I have an email confirmation for {$18000.00} and {$250.00} that was refunded back to my account on XX/XX/year>. 
The email states the refund came from the U.S. Department of Education. 
Now through Nelnet I have a balance of XXXX XXXXXXXX. 
A lot of conversations were had on the phone when I originally applied for the forgiveness. I have siblings going through the same issue.
Product: Money transfer, virtual currency, or money service

| am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

keep calling us, even i stated we are XXXX XXXX  and demand the other side stop calling
Product: Credit reporting, credit repair services, or other personal consumer reports

I never made this inquiry, I never been or went to this place. 
Inquiry name : XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Date : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of    2017, I w as trying to refinance my house. Currently, my student loans through navient are on deferment. When applying to refinance, the loan company is reporting wrongly and it has majorly lowered m y credit score an d it is affecting me not being able to refinance. The way navient is reporting to the credit company, it is showing that I am over my limit with them and delinquent when I am not because I have permission and have taken the right steps forward in making sure I did that process correctly. Due to it showing that I am delinquent ( when i am not ) and over the amount of the loan ( over the total amount I am allowed to borrow is how I was told  ), it  is making it look like I am way behind on payments. I do call navient in  XXXX     2017 a nd they said that is how it gets reported and there is nothing they can do. They have also not worked with my to try to lower the amount I owe per month and it could cause me to lose my house because I ca n't get a lower payment and I now ca n't refinance my house because of how it is being reported to the credit company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion are not investigating the collection/chargeoff accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. In addition, these accounts are over ( 7 ) years old and should not be reporting at all! The accounts are as follows - partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached. ) The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Im reaching out because my credit report contains incorrect information that needs to be fixed immediately. I filed for XX/XX/XXXX XXXX bankruptcy on XX/XX/XXXX, and all included debts were legally discharged. However, my report still shows some of these accounts as delinquent, late, not paid, or charged off, which is inaccurate and damaging. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to maintain accurate and up-to-date information. Additionally, the Bankruptcy Code ( 11 U.S.C. 524 ( a ) ( 2 ) ) makes it illegal for discharged debts to be reported in a way that suggests they are still owed. These errors are hurting my credit and misrepresenting my financial status.
Product: Credit card or prepaid card

I received an text todayXX/XX/XXXX, saying unusual activity on a card with AFCU. I do not have an AFCU account. I looked at my credit report saying that I owe {$920.00} on credit cards. I looked at all my credit cards and only owe {$550.00} on my XXXX card. I do not have any other cards that I owe on and do not have an AFCU account. Someone has opened an account with AFCU and I do not know how many cards. This was not me.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

On XX/XX/2023, I obtained copies of my consumer reports from the credit reporting agencies ( XXXX, XXXX XXXX, and XXXX ) and was dismayed to discover that your company 's information continues to be reported in a manner that violates the Fair Credit Reporting Act ( FCRA ). As previously communicated in past notices, I have raised concerns about one or more potential violations in the past, emphasizing the importance of complying with consumer rights and FCRA regulations. Specifically, I am referring to the closed accounts associated with the following : 1. Express Account # XXXX Upon reviewing my credit reports, I have noticed that your bank is reporting my experiences with your company in a manner that raises significant concerns about potential violations of the Fair Credit Reporting Act ( FCRA ). The specific matter of concern pertains to the categorization of my line of credit with your company as " utilization '' and the categorization of my payment history / status with your company as transactions, on my consumer reports. 

It is my firm belief, supported by the relevant legal provisions, that your company is unlawfully reporting this information on my consumer reports. I would like to draw your attention to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), which states : " 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The law is unequivocal in its statement that information pertaining to transactions or experiences between the consumer ( myself ) and the person ( Comenity Bank ), making the report, should not be included on consumer credit reports. Utilization is inherently an experience with the line of credit extended between the consumer ( myself ) and your company,, which qualifies it as an experience that should not be reported on my consumer credit reports. 
Payment history or status is inherently transactions, between the consumer ( myself ) and the person ( Comenity Bank ) which qualifies it as information that should not be reported on my consumer credit reports! 

By reporting this transaction on all of my consumer reports, Comenity Bank appears to be in clear violation of the FCRA ( 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ).
Product: Debt collection

I have sent several correspondence and communicated with the credit bureaus. I was advised to file a police report on this FRAUDULENT account reporting on my credit report. I sent a debt validation letter to the creditor directly and still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company did not send me what I requested. I asked for a signed agreement by me and they have not produced one although they sent other inaccurate documentation. Also the documents they did send are not accurate as to what is reporting on my credit profile.
Product: Debt collection

I had a payday loan with Sky Trail Cash and I stopped paying them because of financial stress. Received three calls today with voice mail to my XXXX, Wife and my work number which they stated a warrant will be issued to me re fraud and I was being sued. This information should not have been left on other peoples voice mail not at a work number. 

the collection company also spoofed the number they were calling from making it look like the were calling from the XXXX XXXX Superior Court. The number that showed up on the telephone was XXXX which is the court. the name of the person Calling was a XXXX XXXX stating he was a court processor for XXXX XXXX. There is no XXXX XXXX?? Scare tactic ... also the voice mail stated to call XXXX x XXXX ... 
The company that called me is XXXX XXXX regarding a debt from Sky Trail Cash a payday company..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year i wrote a letter to Transunion, XXXX XXXX XXXX to notify the Elaborate mechanisms that they are indeed Reporting fraudulent information & A Fraudulent Account on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. 

They Responded Illegally & Claimed that they were able to verify the account but actually Failed to render any Proof of Investigations or Any Proof at all as Per federal Law that they actually did so. I notified them Unequivocally that their actions would compel me to File a report via the CFPB. 

3 months later & they have failed to Comply with Federal law and me the consumer & is also now Reporting a Late Payment with the Exact same Fraudulent Account that i Disputed, Perpetuating the Damages of my Reputation and my Consumer Profile. 

Their Negligence to Comply with Federal law has caused me Stress, XXXX XXXX, XXXX, Hardship, misfortune, XXXX, XXXX and emotional turmoil. Their disregard for Federal law is Repulsive and is Causing me to lose trust within the Banking System.
Product: Credit card

I have missed or been late on a few payments with XXXX XXXXXXXX XXXX. Due to the COVID-19 pandemic, I lost my job and was unable to make payments on time for the months of XXXX, XXXX, and XXXX. Unfortunately, this led to a negative impact on my credit score. However, I have now been able to catch up on all my debt owed and I am no longer in a financially unstable position. 

I strongly believe that considering the unprecedented events of the pandemic and the resulting economic crisis, my missed or late payments should not be held against me. I respectfully request that all my late or missed payments be removed from my credit report and wiped from the creditor 's records. 

I understand the importance of maintaining a good credit score and I am committed to making on-time payments in the future. I hope you will consider my request and help me improve my financial situation.
Product: Credit card

I have a longstanding credit card account with Bank of America. Recently, I have had a payment not go through due to financial difficulty. Now, I am trying to make a payment and get back on track but the bank has locked by ability to make an online payment and has not switched back to paper billing so it can easily be mailed. Making it more difficult ( or impossible ) to make a payment MAKES NO SENSE. This is creating an opportunity for them to charge additional fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022 FRAUD INQUIRY PLEASE REMOVE