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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXXXXXX XXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Debt collection

XXXX XXXX sent my closed account to collections for {$15.00} after XXXX-18. I never received notice of an amount owed after my account closed until I received a letter from XXXX XXXX XXXX in the amount of {$15.00} on XXXX-18.
Product: Vehicle loan or lease

I make made my payments online through their website from the same account and information that was put on their in XX/XX/2015. out of nowhere payments were made like normal but were not pulled from my account ( only noticed this after i went back through my account after receiving the charge off notice ) and they claimed i stopped payment in my bank for those payment which i did not. i was told i could only make a payment to their recovery center. So after getting help to get the amount needed to pay them off i have been trying for two weeks to make this payoff, i am unable to get a hold of anyone from the branch or place i needed to contact i will sit on hold for 30 mins to 2 hours with out someone picking up and if i am able to get someone only once they transferred me to where they said i needed to talk to and the phone call was disconnected. i have called the branch in my town to be connected as well as being connected to 5 to 6 different department all of which have transferred me or given me other numbers to contact. i Have also found out that they put my car in repo status as of XX/XX/XXXXbut did not even receive the letter that it was being charged off till XX/XX/XXXX. i am very upset with the whole matter because I am trying to do the correct thing and fix the issue but can not due to lack of in my opinion professionalism and courtesy.
Product: Checking or savings account

On XX/XX/XXXX I filed a claim with Bank of America ( BoA ) after depositing {$900.00} into a BoA atm and the machine freezing, taking my money and debit card, and not posting the money to my account. I immediately called BoA and spoke to a representative to file a claim. I did not leave the atm until the BoA representative told me my claim was submitted and it was okay for me to leave the atm. {$900.00} were deposited into my account while BoA investigated the claim. About a month and a half later on XX/XX/XXXX I received a notification from BoA that my claim had been denied and the {$900.00} were removed from my account. I called BoA on XX/XX/XXXX to ask why my claim had been denied and to request the documents they used to make their claim decision. During this initial call the representative stated that notes indicated the claim was denied on the basis of video evidence " showing I left the ATM ''. This representative indicated he thought the claim had not been investigated thoroughly and that it would be reopened. After a week of not hearing back I called again on XX/XX/XXXX and was told by a BoA representative that my claim had not been reopened and that I needed to send a letter of disagreement to get my claim reopened. I faxed a letter of disagreement ( uploaded here into the supporting documents ) and still did not hear back. Furthermore, during this time I still had not received the supporting documents I had requested from BoA. I called again and was told that my claim had been reopened and that I would get the supporting documents eventually. I called one final time on XX/XX/XXXX to speak to a supervisor and now they said that the video evidence did not support my claim, but I was told that I could not get access and that I would have to file police report to get this information. BoA neglected to inform me of this the first 4 times I called. I specifically requested to explain how their decision could be made since video should show money going into the atm, but no money or debit card coming out. The supervisor stated they could not answer that question. Furthermore, now they stated that there was no physical money found in the atm machine. I had specifically asked that this be investigated the first time I called and it is impossible for the money and my card to not be in the machine. When I first filed my claim I even requested a new debit card, because I was unable to recover it. I am requesting the CFPB investigate my claim and obtain the video footage from BoA, which they are refusing to share with me or answer questions about their decision.
Product: Vehicle loan or lease

From XX/XX/XXXX- XX/XX/XXXX, I fell on hard times and was unable to make on-time payments for my car loan. When I would get behind on a late payment, I would make the payment during the next billing cycle to clear up the past due balance. Instead of the creditor applying my payment to the past due balance, they would compile the two payments and carry over the new balance as being 60+ days late. Resulting in more negative reporting on my account.

Despite my efforts to rectify this situation, I was unable to completely catch up on payments for about a year. During this time, I was a XXXX XXXX and relocated to XXXX XXXX XXXX to complete my education upon being accepted into an XXXX in the second most expensive city in the US.

One year later, I was hired onto that XXXX  as a full-time employee and became current on the account as soon as my financial standing improved and have remained so for over a year now. I am attempting to improve my credit score, but am having difficulty due to the negative listing on my credit report.
Product: Debt collection

I hope you are doing well as I write this. I'm writing to let you know about something that's on my credit report. I recently discovered late payments on my account after looking through my credit report. I think there might be a mistake in the reporting, and I'm asking for your help to fix it. 
I understand the importance of maintaining an accurate credit history, and I am committed to ensuring that my credit report reflects my financial behavior accurately. However, I am concerned that these late payments are negatively impacting my credit score and my ability to access favorable financial opportunities. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the XXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or an XXXX XXXX customer service representative. 
I kindly request that you investigate this matter and, if possible, remove or rectify the late payments from my credit report. I have attached supporting documentation, such as payment receipts and bank statements, that demonstrate that the payments in question were made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that I did not make which has caused me to have to answer questions that are not related to my credit, and inquiries that were not made by me. 

My my Experian credit report has 2 different social security numbers listed ( see attached copy ). I have called and can NEVER get a live person to answer!! 

Inquires that need to be deleted : XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX
Product: Debt collection

XXXX is charging me XXXX for phones and sharing that my bill was not paid. The company was fraudulently saying that they were offering me a military discount and every month for 3 phones I was paying XXXX. I shared that this was not the original amount we agreed upon which was XXXX. They would not comply with my request to close accountthey kept charging and stuck me with a XXXX collection.
Product: Bank account or service

I arranged for bank # 1 to transfer my IRA account to bank # 2 that was paying much higher interest. The IRA Transfer Request I used included this statement : " If you are age XXXX XXXX or older, your required minimum distribution must be processed prior to transferring your IRA to bank # 2 ''. Bank # 1 failed to process the remaining required minimum distribution before transferring the IRA account. When I realized what happened and called them about it, they refused to admit they had made a mistake and refused to do anything to help me request the required minimum distribution from bank # 2.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { TRANSUNION }. I believe these late payments are erroneous and do not accurately reflect my payment history. 


ACCOUNTS : XXXX  - XXXX INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX LATE PAYMENT : XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX XXXX never gave any written consent to furnish this account on my consumer reports which is a violation of, 15 U.S. Code 1681b 15 U.SXXXX Code 1681 Also no original signed documents have been furnished 15 U.S. Code 1692g The account mentioned is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX Acct # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am XXXX XXXX Military stationed in Louisiana. My leadership recently provided information regarding the XXXX  XXXX XXXX XXXX XXXX. On XXXX XX/XX/2024 I sent the information as well as a copy of my Military orders and proof of service letter into Sofi and was denied. though the Louisiana statute says I am eligible. multiple large banks honor this and so far, Sofi has denied me twice.
Product: Money transfer, virtual currency, or money service

I was scammed out if {$800.00} for a purchase through cashapp. I attempted to cancel transaction and contacted via the app on cashapp to file a claim. I called the next day & was told I have to wait 10 days for investigation to be completed. I called on the 10th day and was told they couldn't help me nor could they get the money back from the person because it was a personal transaction. I contacted the police and filed a police report that day. The issue is still not resolved but they know exactly where my money went.
Product: Credit reporting or other personal consumer reports

The account was opened XX/XX/XXXX and closed XX/XX/XXXX. States I owed XXXX from XX/XX/XXXX to XX/XX/XXXX. Thats inaccurate because it says last payment date was XX/XX/XXXX. Than my status was update XXXX as a charge off. Inaccurate information on other credit bureaus.This inaccurate information falsely manipulates my credit worthiness and hurting my ability to obtain credit. Equifax failed to investigate this account properly after repeatedly asked to have this account updated. Your neglect has once again violated my consumer rights. Im demanding a deletion of the following account XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

To whom it may concern My name is XXXX XXXX. I was card holder of XXXX from American express. My ending account number was XXXX. On closing date statement of XXXX/XXXX/2016 I paid my full statement with the amount of {$810.00} on XXXX/XXXX/2016 with conformation number XXXX and then contact with customer service and close the account and ask them to make sure this account have been paid in full and closed. couple month ago before the closing statement to what ever reason I did not receive the statement and when I saw in period of time which I expecting the statement from American express card statement, I did not receive it, I called to customer service and explain for them I did not receive the statement and when they check my mailing address, there was issue with their system. I never have late payment with them and paid in full till closing the account and customer service representative adjust and refund the late fee and refunded to my account. Unfortunately after closing the account they sent me another bill with amount of {$10.00} for interest without any explanation what is this interest for. I called them again and they told me this is interest for that {$27.00} late fee!! I told the customer service representative if Amex adjust the fee and the issue was with their system what 's the meaning of interest for late fee and this fee and interest is not in their agreement. I refuse to pay this {$10.00} to them and after while they sent me the check with amount of {$1.00} for my extra point!! After while they sent me another letter which they mention the account balance is XXXX.Recently when I check my credit report I saw they report this amount of {$10.00} to my credit history and mess with my credit score and this is NOT first time I got damage from this company. 
I talk to my attorney and explain the case to him, he encourage me to first open the case here to find solution for it and then if It is not work out step to next action. 
Thank you
Product: Debt collection

In 2017 I was first made aware that a XXXX account was fraudulently opened in my name. The account was with XXXX XXXX at the time. I provided them and XXXX  with the necessary documents supporting my claim that this account was opened fraudulently. 

I recently checked my credit report and found that this account is back on my credit report again.
Product: Credit card

I have a Fidelity XXXX card issued by FIA. I have XXXX issues. 1. When I originally applied to the card, I was responding to an offer that promised a {$100.00} cash bonus upon approval of the application. I never received the account opening bonus. XXXX. The card has a 2 % cash back program ... the cash is deposited into my linked Fidelity XXXX account monthly ... .which has been working flawlessly except there was no deposit for the month of XXXX. I have dispute the points/cash back calculation with FIA but got a letter saying the calculation was accurate ... which is not possible because I have made purchases every single month ... .in other words, there was no month since I 've opened the account where the balance was {$0.00} and I should not have received cash back XXXX. I recently received a credit from a merchant ... .this was a refund against a purchase made on a different card which is now closed so I opted to receive the refund on my FIA card ... .but this has offset cash back points. This should not have happened as it is not a refund of a transaction that was originally made on this account but rather essentially a payment.
Product: Credit reporting

Requested an investigation in reference to a hard inquiry from XXXX XXXX on my credit report under Equifax. I already submitted an investigative dispute with Equifax numerous times with no success in removing inquiry. Next, I submitted an investigation with XXXX Billing and Credit Dept. via mail and received a reply via mail with no success in removing inquiry, pursuant to Sec. 604 ( F ) ( i ) and ( ii ) of the FCRA ( 15 USC 16816 ) according to reply letter. In closing, I contacted the Consumer XXXX Protection Bureau ( CFPB ), representative from before mentioned agency provided information in reference to this CFPB complaint, orientation provided via phone call and file a complaint in unison with the FCC via their web site.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNTS BELOW : ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted and disputed a public records listed on my credit report that does not belong to me. There are also other errors in the credit reporting from XXXX XXXX. XXXX XXXX and Experian has refused to remove these items has not produced any proof of verification and will not allow me to access my credit report or make any further disputes. I was told in order to have access to my credit report that I had to cancel my dispute. I informed them they are violating the law and they have refused to remedy the situation. I contacted them online and via phone and they have done nothing to rectify the situation with removing derogatory items from my credit report or allowing me access to a copy of my report online or via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Account Number : XXXX. I have tried everything to dispute this with the credit bureaus and they verified all of the information as accurate. I am working so hard to bye a house and keep running into problems. I WAS NOT EVEN IN COLLEGE IN 2019, I GRADUATED XXXX SCHOOL XXXX YEARS BEFORE THIS. I just got my reports and I think it is wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. *pay off disclosure *interest rate disclosure *balance history *payment history *credit insurance ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 Thank you so much!