23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I inform the company that I am disputing the debt because I never received any information stating they took ownership of this account. I never received anything from this company. 
So I am formally disputing inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable re-investigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding failure to conduct proper investigations. Specifically this company alleges in sham accounts, violating my consumer protection laws by failing to meet its obligations under the FCRA. 
Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request for this company to be removed off my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

Account Status : TransUnion : Closed with " Charged off as bad debt. '' XXXX : Status shows as Open and " Past due 150 days. '' XXXX : Closed with " Charge-off. '' Issue : There is inconsistency in whether the account is reported as open or closed. Since its marked as a charge-off, it should likely be consistently marked as closed across all bureaus. 

Closed Date : TransUnion : XX/XX/XXXX. 
XXXX : No closed date listed. 
XXXX : XX/XX/XXXX. 
Issue : The closed date should ideally match or be close across all three bureaus. The absence of a closed date in XXXX creates inconsistency. 

Payment Status : TransUnion : Marked as a charge-off with no recent payment status. 
XXXX : Shows " Past due 150 days '' but does not specify charge-off. 
XXXX : Lists " Charge-off. '' Issue : Payment status should align, especially since it's charged off. 

Payment History Reporting : TransUnion : No payment history is reported ( " None Reported '' ). 
XXXX : Lists a continuous charge-off status ( CO ) from XX/XX/XXXX through XX/XX/XXXX, with a " XXXX '' day late mark in XX/XX/XXXX. 
XXXX : Shows XXXX 120-day late entries for XXXX and XX/XX/XXXX, then no further payment history after that until XX/XX/XXXX, which shows as " OK. '' The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. 

Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matte
Product: Credit card

I have filed XXXX disputes over the last few months and I am now under investigation for fraud even though I did not make those charges. They said the charges show XXXX XXXX and mobile payments all coming back to me and no other phone or devices. I did not make these charges but I do not want to deal with fines if I am charged as responsible.
Product: Credit reporting or other personal consumer reports

During a previous dispute for that came back reporting as accurate Experian sent me a copy of my credit report. At the bottom of the item in question, it show the last payment date is incorrect and that it will be removed in XX/XX/XXXX. Experian update the information to be removed now in XXXX and the last payment date is wrong. This particular account was previously removed for reporting inaccurately, removed, sold to another debt collector and placed back on the credit report again. Although, still reporting inaccurate, has been removed by both XXXX and XXXX, Experian refuses to remove it.
Product: Bank account or service

I closed an account with Chase due to fraud ( card ending in XXXX ) in XXXX Well I have noticed balance transfer fees. So I called Chase and this is the summary of what I was told : When you closed your account ending in XXXX the balance was transfered to the new card ending in XXXX. 
I told them they can not charge me a balance transfer fee because the account with them was closed due to fraud activity ... ..so far all Chase has been willing to do was close my account ending in XXXX and issued a new card ending in XXXX. 
I need someone 's help getting ... balance transfer fees paid back that Chase has been charging me for a couple years. When I call they have no answers for me.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

CapitalOne account beginning with XXXX is a " Charge off '' which means it's a certificate of indebtedness. Which makes it income as they can not report income.
Product: Bank account or service

US Bank has charged me overdraft fees when I was assured that they could not occur. I deposited money into my account before it was negative and it showed as deposit accepted before the charges came out of my account. However, I was charged an overdraft fee ( for the third time ) after I had called and told them to stop allowing it to charge me overdrafts and they assured me it would not. They have also charged me overdraft fees in the past when I had money in my savings account. It was suppose to connect to the account and transfer over so it did n't cause an overdraft. They instead charged me a ton of overdraft fees and then when I called waived them but used it toward my curtosey fees and now even though they should have never charged my account for overdrafts they once again charged it. I called the next day to find out why and they said the money was not in there in time. That is not true but despite if it was or was n't they stated twice and now three times that the overdraft protection was on and they would not charge me but wo n't refund me my overdraft fee. They are literally scammers when it comes to that. I have called there and they will assure me of certain things and then a month later I 'm hit with a fee or something does n't go through or they take my money and I have to wait 30 days for it. I know that my deposit was approved before the withdraw occurred and I was told it would not process if it had n't been because I had overdraft protection. They use to have a line of credit but they did away with it. HELP me get my overdraft fee corrected and have them do better business. I have been a loyal customer for over 11 years.
Product: Credit reporting

I have received 2 e-mails from Experian stating they have my results ready. Yet when I go into the " get results '' on their Website..it states I am not able to retrieve this information. I have e-mailed them..and tried several times to get to my final results with Experian but am not able to get it on online even though they have given me the Report # XXXX ID XXXX -- nothing comes up. 

I need my final dispute results please.
Product: Checking or savings account

I paid XX/XX/XXXX in full for a vacation XX/XX/2020, for a trip in XX/XX/2020. They closed due the pandemic and did not refund any money. I disputed it with the bank and was refused a refund.
Product: Checking or savings account

I have a checking account with Chase Bank. Because I earn no interest on my checking account, I try to transfer money from that checking account and move it into a separate brokerage account away from Chase periodically. 

Chase has consistently made it extremely difficult to take money out of my account, removing my linked bank accounts, which are in my own name and just with third party banks and has rejected multiple times my transfer requests. 

I was able to link the external account, which is with a XXXX XXXX, XXXX that holds deposits for Internactive Brokers, and transfer {$25000.00} to that account on XX/XX/XXXX. So it worked. I tried to transfer to that same linked account {$100000.00} on XX/XX/XXXX, and Chase responded, after I verified the transfer through their fraud prevention line, by rejecting the transfer and deleting the linked account. On XX/XX/XXXX, I readded the external bank account and re-verified it by showing the small deposits that were transferred into and out of the account for verification purposes, making the account completely verified and linked again through Chase. I then, also on XX/XX/XXXX, re-initiated the same {$100000.00} transfer, and after verifying the transfer through their fraud prevention line, which I think they have also made an unnecessarily burdensome process where I am transferred multiple times, Chase informed me that the rejected the transfer yet again and de-linked and deleted the linked account. 

I get put on hold and express my frustration, but I get no real answers as to why they delete my third party account and reject my attempts to transfer money out. They also can not explain why I could move out $ XXXX to this account on XX/XX/XXXX, but their back office is now unable to link the same account on XX/XX/XXXX and XX/XX/XXXX. 

I believe Chase wants to keep my money earning XXXX interest in their account and are doing this to prevent me or make it extremely difficult from earning interest on my account with a third party bank. I believe this is monopolistic behavior and a simple attempt to prevent money from easily being withdraw my money.
Product: Credit card or prepaid card

I opened an account with the 7-11 Netspend reloadable debit card. The initial deposit was {$20.00}. I then called the number to activate it and deposited an additional {$50.00}, which brought the balance to {$70.00}. The next day I tried using the card and was declined. After a few more unsuccessful attempts, I called the company to complain. I was told it needed to be activated first. However, it was activated and accepting deposits. Next, I was required to verify my ID by sending a copy of my license. This process would take 3-5 days to complete. I waited 1 week and still could not use the card. I called a 2nd time and was told I needed to send a copy of my social security card, in addition to my liscense, in order to use the card. At this point, it has been almost 4 weeks since I bought the card. I refused to send a copy of my ss card to a viritual stranger as it is not legal to request this information. I had verbally given my information twice so far. I argued with the rep and was told " the only way to activate the account is providing my ss card information ". I said no and demanded a refund. The balance available was approximately {$50.00} and change because they deducted maintenance fees for a card I never used. I asked for the entire amount of {$70.00} to b e refunded. I was told they would send a check, but no such check has come. That was 3 weeks ago. I still can't access my money and no refund check has come in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX shows up on my Experian report twice as a debt. 
On XX/XX/2013, it shows up as {$280.00}. And on XX/XX/2013 for {$680.00}. In california, the statute of limitations is 4 years, but these collections keep showing up on my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$920.00}. XXXX XXXX XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5000.00}. XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$26000.00}. XXXXXXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of XXXX XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. Collection account from XXXX XXXX with account # XXXX and a balance of {$1400.00}.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, a consumer and a natural person, have fallen victim to identity theft. Transunion, XXXX, and XXXX have utilized and shared my consumer report without obtaining my authorization, consent, or written consent. These agencies have permitted companies to distribute my nonpublic personal information without my approval. It is essential to recognize that Congress firmly upholds a consumer 's Right to Privacy. However, Transunion, XXXX, and XXXX have infringed upon my federally protected privacy rights by failing to fulfill the requirements set by Congress to exercise their significant responsibility concerning the confidentiality of my personal data. The Fair Credit Reporting Act was established to guarantee that consumer reporting agencies carry out their substantial responsibilities with fairness, impartiality, and respect for consumers " Right to Privacy. Regrettably, Transunion, XXXX, and XXXX are currently in direct violation of both the FCRA and the Gramm-Leach-Bliley Act of 1999.
Product: Mortgage

I requested a new escrow analysis on XX/XX/XXXX due to several factors changing since receiving initial escrow analysis in XX/XX/XXXX for the XXXX year. 
I paid my escrow shortage of {$500.00}. I also found a new home insurance that is {$500.00} dollars less than my previous home insurance. I paid PRMI the insurance policy refund {$450.00}. In addition to these payments made to reduce my monthly payment ; our property taxes decreased by {$20000.00}. 
PRMI is telling me that they are refusing to redo an escrow analysis because the new payment would not equal a XXXX XXXX  difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a free credit report from TransUnion. It states I have accounts with " XXXX XXXX '' and " XXXX XXXX ''. I called TransUnion to dispute these. I talked with " XXXX '' at XXXX ''. He told me there is no listing on my TransUnion credit report that states I have accounts with these companies, however, that is not what my report states ( that I just printed out before calling TransUnion XXXX. What can I do if my report states something the Credit Bureau states it does not contain?
Product: Credit card or prepaid card

I have the XXXX XXXX credit card issued by Comenity Bank. I have had it for years and never been late. In XXXX 2022, I made a shoe purchase at XXXX for a total of {$110.00} and received the wrong size. Therefore, I spoke with customer service returned the shoes and included in the return box the explanation with a request for full credit. XXXX issued a partial credit for {$110.00} on XX/XX/XXXX22 based on what they called an oversight on their end. Per the {$7.00} balance, I have been charged {$90.00} in interest charges and late fees. My account was suspended, I have not been able to use it. I have been reported as delinquent to the credit bureaus. I called XXXX on a couple occasions, and was told I have to go through a disputes process. Despite the dispute the delinquency remained with additional late fees. XXXX XXXX finally issued a credit to the account for {$7.00}, which posted on XXXX/XXXX/2022. I need the interest, late fess, and delinquent history removed with a correction sent to the reporting agencies as soon as possible. I feel I've been treated unfairly and harmed as a result of not being issued the full credit on a timely basis.
Product: Debt collection

I was trying to buy a house in Wisconsin and when they check my credit, l have two credit cards with Bank of America that are not mine 1 open in XXXX for XXXX dlls and the other one open in XXXX for XXXX dlls. I travel personally to a Bank of America in Florida and they check in the computer and they don't have nothing with my social security, it's just a name association.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it againXXXX XXXX XXXX  Balance : XXXX
Product: Debt collection

i have sent numerous of letters to XXXX stating i do not owe XXXX $ and to have it removed from my credit as a debt collection. this collection is hindering my credit and i demand it to be removed. i only had XXXX for less than 2 weeks, and i paid the phone bill in FULL and i also returned the cellphone i had with XXXX. the XXXX $ they are trying to collect if false and inaccurate
Product: Mortgage

When I had my house I applied for a modification and they refused to help me. They said we will just foreclose on your house and they did just that. Would not consider helping at all. I lost everything
Product: Mortgage

XX/XX/XXXX {$320.00} they later sent a check back in XX/XX/XXXX and requested a new consolidation wanting {$1600.00} and {$610.00} a month onXX/XX/XXXX and additional for XX/XX/XXXX payment when i was already paying {$320.00} a month the money was going to XXXX XXXX XXXX   company who has changed their name to mr. cooper XXXX XXXX XXXX and XXXX XXXX was responsible for this account my question is how my property reached the foreclosure status when i made my payment promply of {$320.00} each month after the property reached foreclosure my attorney XXXX XXXX charged me and my wife {$2500.00} to handle the foreclosure he advised us to file a temporary bankruptcy and we did later on the mortage company came back with a consolidation fee approved for {$1600.00} to be paid on XX/XX/XXXX and an additional {$610.00} and XX/XX/XXXX. payment due onthe third for {$610.00} how can this be when i was already making payments at {$320.00} a month where did the payments for XX/XX/XXXX and XX/XX/XXXX go this is unfair to me please help me with this situation thank you and God bless
Product: Debt collection

On XX/XX/20 I received an alert on my credit file that a collection was added. I have no knowledge of who the creditor is, the amount owed, I never received any statements, I have no contract, Midland Credit has never sent anything to me and my current address of 10 years and I have no known knowledge of this matter. I found the account number on the negative listing on my credit report ... The only way I saw how to contact is it being listed on my credit file. I am requesting that they immediately delete and clear up this matter and remove and negative from all 3 credit bureaus immediately. 

I did mention in my letter attached that this could be very well another part of my identity theft where my social security was compromised and I have been dealing with this for over a year to clean up the anguish caused. So now this!!!! 

I have also provided the Federal Trade Commission Affidavit number for my identity theft
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I have a payment arrangements of {$50.00} at one point at was given a balance to pay off of {$280.00} now I been given a higher pay off amount over {$500.00} and still show on my credit report as a owe {$850.00}. I want it remove for my credit report. And I know I can pay off with way less than XXXX but I need this collection remove from my credit report. 
Please help is affecting my credit with other creditors... thank you