23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

hello first i want to say how stupid chime is i disputed TWO XXXX Transactions and They did no investigation and denied my dispute claim I have 3 fraudulent and unauthorized transactions on my Chime account I contacted the merchant They agreed with my claim and told me to contact my financial institution so I did and they denied my claim I have the person information that took my money and it doesnt match up to mine so yet again I dont know why Im getting denied so I have no choice but to reach out to you guys to help me get my money back they dont even investigate They just deny both of my taxes got denied and it went under 24 hours when In provided more than 24 supporting documents of screenshots, helping my claim.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my credit report, which breach 15 USC 16c-2. I ask that these errors be corrected and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Clarity requesting my free credit report and have never received it over a month later and I live in the state directly above them. I sent my drivers license and SS card with the full SSN
Product: Debt collection

I recieved a noticed from Midland Credit Management on XX/XX/year> that I owe {$540.00} for a credit card that I did not apply for. I am a victim of identity theft and this shouldn't have happened. I have no knowledge of this account nor did I make those charges.
Product: Credit card or prepaid card

XX/XX/XXXX I made a transaction from my RushCard a bill pay transfer to my XXXX XXXX count of XXXX XXXX dollars I received a confirmation with said that it will be processed and deposit into my XXXX XXXX count on XX/XX/XXXX as of today my XXXX dollars has not been received at the actions that I have taken was I had to conference call with RushCard and even sent emails and reference to this was a sure that within 24 hours I should received an update or refund on my account I have not received either
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi TDRC/XXXX  ; how are you doing? Listen, I'm really shocked that I'm reaching almost 90 days counting on the last dispute that i sent to both the creditor and credit bureaus base on the way this account is reporting but yet they've failed to respond. There is absolutely no way that this can take this long, despite the fact that we're facing COVID-19. Impossible! It also continues to report incorrect dates of last active, dates of last payment, 1st date of delinquencies, etc. It's not right! I was told that the account needs to report 100 % accurately according to the law and it also needs to be verifiable! This account is not verifiable and it's incomplete. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

I sent Equifax asking them for the reinvestigation of completeness and accuracy and all they replied was verified. 

These are the accounts that Equifax replied verified and accurate.These accounts are not complete and accurate. 
XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Equifax I would like to know what procedure was used in the verification of these accounts, not to mention the accuracy certificate pursuant 15USC 1681i ( 5 ) ( B ) ( 1 ) and the metro 2 compliance standard that used in the reporting of the verification of accuracy of the information.

15USC 1681i ( 6 ) ( B ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the contacted in connection with such information and the telephone number of such furnisher if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information; and ( v ) a notice that the consumer has the right under subsection ( d ) the the consumer reporting agency furnish notifications under that subsection.

15USC 1681i ( 7 ) ( 7 ) Description of the reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15USC 1681i ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Debt collection

On XX/XX/XXXX, I received a letter from Harris and Zide representing XXXX XXXX. The original creditor was XXXX XXXX bank but sold to XXXX funding. The letter stated they were processing a lawsuit to collect the amount of {$950.00} and to contact them immediately. I contacted them and spoke to a representative by the name of XXXX. I informed her of the letter and let her know I wanted to set up arrangements. She asked me what I could pay and I stated {$25.00} a month. She advised me that they could not agree to that amount but I could send the money but that would not stop the lawsuit. I told her I would follow up later. The next day I set up payment arrangements with a guy named XXXX in the amount of {$56.00} a month until the balance is paid off. I asked for the agreement in writing and was informed that I would receive a stipulation with the agreement and to sign and send back. Weeks went by and I followed up on the agreement. By then I made 2 payments. They gave me the run around and said that I should receive it soon. I asked to speak with a supervisor. The supervisor 's name was XXXX. She faxed me a written agreement of the payment arrangement. On XX/XX/XXXX, I received the stipulation with a different amount owed of over {$1300.00}. This amount was never disclosed to me in any of the previous conversations and it is not the correct balance reported on my credit report. The agreement they sent me stated I owed {$950.00}. I do not deny the balance of {$950.00} but they can not collect on more than what the debt is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit score went down XXXX points as XXXX XXXX XXXX XXXX reported there was 30 day late payment which was an error. The car was a loss and was paid in full along with the monthly payments which were paid on time. I tried filing a dispute online with Equifax and was provided a number to call. When I called they asked for a credit report ID # which I don't have. Please ask Equifax to research why my credit score went down XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXXXXXX XXXX EXPERIAN HAS INFOMATION ON MY CREDIT REPORT THATS NOT MINE AND THEY REFUSE TO REMOVE AND DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realised that some of the information on my credit report is incorrect when I checked it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit bureaus to authenticate these accounts ( A ). It is not permissible to fail to authenticate these reporting accounts as unverified information without presenting any proof within the time frame specified by law. My credit report shows the following accounts that need to be examined and repaired due to erroneous reporting in my file : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX Balance : {$1400.00}
Product: Credit card or prepaid card

I been contracting capital one for 5 months they do not take my called The bumper they have on file XXXX when I put my social security number in the phone hangs up on me and every number I XXXX does the same thing so I can not work out a deal with capital one because they are making it impossible for me to get in contact with them my balance with capital one was only {$800.00} and they are reporting {$1400.00} they are charging me 56 % interest my credit card was only for {$1200.00} If capital one does not want to speak with me they need to take this account off of my credit
Product: Money transfer, virtual currency, or money service

I sold a laptop on XXXX a person purchased it I got paid for it through PayPal the buyer opened a case against me for not receiving the item, the package was tracked and proven to be delivered case was closed in my favor and money freed up taken out by me I reported the buyer as suspicious because of the outlandish request of item not received and the world ending if he doesnt get paid, very suspicious, two days later buyer opens another case start he wants refund because item was not as listed listed as XXXX XXXX but it was XXXX XXXX I proved easily through listing pics that it clearly shows XXXX XXXX once again a bogus claim by a suspicious buyer, XXXX then sends me a email to send the buyer a return label I stated that I was not due to suspicious request and my case closed and reporting the buyer as a scammer XXXX them just debits my account and tries to take my money back without a resolution or at my request now my account is negative and they are want my money NOT FAIR OR LEGAL
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i. 
In response to my dispute regarding the account XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate. 
According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, 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. 
The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated. 
I hereby request the immediate deletion of this account from my consumer reports. 
Enclosed, please find a copy of my identification and a recent utility bill for verification purposes. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I was instructed that the email and phone is not correct. I was instructed to send in a form to update it. I sent form in with tracking and proof of receipt. The bank failed to update the information. They are withholding my funds and have no way I can access them. They are all digital so I dont even have an option to go to a XXXX XXXX XXXX store. I just want to access my account.
Product: Prepaid card

i discovered a card that had expired and was not told when purchased that card had expiration date. company ( chase bank ) refuses to honor card which obviously gave bank a {$100.00} profit
Product: Mortgage

We are writing to dispute the following information on our current credit report. The item in dispute was a refinance of our home mortgage, referred to as a Home Affordable Modification Program ( " HAMP '' ) and Home Affordable Alternative Program ( " HAFA '' ) with Ocwen Loan Servicing, LCC in XXXX, 2016. We are requesting that the item be removed to restore our credit rating and to correct the information. When we requested the loan modification we were specifically instructed by Ocwen Loan Servicing, LCC to suspend our payments while the refinance was in process. We were never offered counseling or informed that suspending our payments during the refinance process would have such a adverse effect on our credit report. Therefore we are specifically requesting that the " Serious Delinquency " ( very late payment ) item be removed from our credit report.
Product: Credit card or prepaid card

I paid the account off in full per what the app said was due. The next month I got a statement for a fee. I called in because I had never been late nor had any fees. I was told I paid a day late. I asked if the fee could be waived because I paid the entire balance showing due on the app. I was told I would be contacted. I was never contacted until 8 months later. I was called and told I had an almost {$700.00} balance. I again explained the entire situation to the rep. i was on the phone with him for over an hour. He even stated the fees on the account were not correct but he wasn't allowed to touch my account. I have been charged fees on fees for something that was paid off. I never received any statements. I always paid what the app said I owed.
Product: Debt collection

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX Fl RE :  Account XXXX XXXX aka working for XXXX university To Whom it May Concern, Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX  ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved by XX/XX/2020, I will take any and all necessary steps to protect my rights. 
Thank you in advance for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX has again reported incorrect amounts for my Secure card to XXXX. This reporting happened again on XX/XX/XXXX. This makes 4 in XX/XX/XXXX amounts I don't owe changed on my report. XXXX states on report that the amount showing affects my score. 
So now my score has dropped XXXX points. 
I have never deposited {$1900.00} on my Secure card. 
I now as of today have a balance showing owed of {$2200.00} which is incorrect. 
I don't owe XXXX anything this is a Secure Card.

XXXX is not trying to fix their errors. They are refusing to send Secure card statements to me. 
I deposit the same amount every month to my secure credit card.

This is against FCRA Law.

Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFO
Product: Debt collection

This company is fraudulently reporting a collection account and each it is disputed onn my credit report it is verified the information from the credit reporting agency AWA verified as correct and they increase the balance by {$1.00} harming my credit score each time. I have provided by certified letter my correct mailing address and a written dispute and a copy of the receipt. I paid the original creditor and have been disputing this several times over the last few years. I brought my receipt to original creditor whom I prepaid for the procedure and they stated that it was reported to collections in error and XX/XX/2016 it was manually cleared from collections. Office Manager XXXX showed me on her computer when I visited the office about this collections problem it was cleared manually in XX/XX/2016 and AWA was manually notified this debt was sent to collections in error and she stated she knew a collection manager at AWA and would have it deleted ASAP. The next day the collection balance was increased with the credit reporting agency and dropped my credit score again. This company is in violation with the law. Also the original creditor stated they have never verified this debt as valid and was shocked at the problem I was having. I am a consumer with rights and they are not only ignoring them they add a dollar to the balance every time I try to dispute this. So they are purposely harming my credit for a debt that was not only paid but PREPAID before the procedure was done. I have written proof of every attempt to get them to properly remove this item and that it is and was paid.
Product: Checking or savings account

I opened a Huntington business banking account on XX/XX/XXXX depositing {$16000.00} check which Huntington Bank chose to fortunately remove funds from my account on the public side and leave it there on a private side for them to collect interest on which I am a secured party and have a UCC lien in place also a fee schedule which Huntington Bank must pay fees for violations to my trade information
Product: Credit card

I have a Citibank Citi / XXXX XXXX XXXX XXXX XXXX XXXX of the benefits is a {$10.00} credit towards XXXX XXXX. 

Up to {$120.00} back on eligible XXXX purchases Earn a statement credit of up to {$10.00} per monthly billing statement on eligible XXXX purchases, for a total of up to {$120.00} every XXXX billing statements. 

Citi has not processed these credits since XXXX for most customers. I have not had a credit XXXX, XXXX and they are now saying we need to wait XXXX more months to get this credit. This is what they have said everytime I have called them I have asked them to issue manual credits but they say they can't do that. After waiting for months- XXXX emails, XXXX chat sessions I am reaching out here to file a complaint interestingly if I am late by a day they wil charge me a fee- but they feel being 6 months late is ok : ) XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

Subject : Request for Account Deletion Under Consumer Protection Laws Dear Portfolio Recovery Associates, I am writing to address ongoing concerns regarding the account ending in XXXX that you are currently managing. I believe there are valid reasons, in accordance with consumer protection laws, for the deletion of this account. Below, I outline the key points supporting this request : Verification of Debt ( FDCPA Section 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive verification of the debt. Despite previous requests, I have not received the requested documentation, specifically the original contract with a wet signature. The FDCPA mandates accurate verification, and without this essential documentation, the legitimacy of the debt remains in question. 
Accuracy of Reporting ( FCRA Section 1681s-2 ) : The Fair Credit Reporting Act ( FCRA ) requires accurate reporting of consumer information to credit reporting agencies. Relying solely on credit card activity as proof may not be sufficient to meet the standards of accuracy outlined in the FCRA. I urge a thorough review of the information furnished to ensure compliance with the FCRA. 
Cease Communication Request ( FDCPA Section 1692c ) : Pursuant to the FDCPA, I previously requested the cessation of communications regarding the PRA account. If communication persists, it may be deemed a violation of the FDCPA, and I request immediate compliance with the cease communication request. 
Access to Original Contract ( TILA Section 1635 ) : The Truth in Lending Act ( TILA ) grants consumers the right to request and receive a copy of the original contract with a wet signature. I have not received this document despite previous requests, and I request its immediate provision. 
In light of these concerns and in adherence to the aforementioned consumer protection laws, I kindly request the deletion of the account ending in XXXX from your records. 

Please acknowledge receipt of this request and provide a timeline for the resolution of these matters. Your prompt attention to these issues is appreciated.