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

A closed FHA account by XXXX XXXX continues to appear as a negative account on my credit profile after I have brought this matter to the reporting bureaus ' attention. Since my initial complaints only minor discrepancies were corrected in order to avoid deletion, I assume, but the account remains inaccurate and delinquent and I would like it removed in order to avoid taking the issue to the FTC and the FHA complaint board. I have written many letters and sent out evidence and paperwork supporting the inaccuracies found within the month-to-month history, dates and amounts regarding XXXX # XXXX and I have received no resolution. As a result of my past disputes I have been harassed by XXXX XXXX with phone calls and letters asking me to stop disputing this with the CFPB. I have asked them to stop calling ; me as it is my right to dispute. I had no issues when I brought the same evidence via certified mail to XXXX  showing the difference of information which is misleading to my lenders and to my FICO score so what is the issue with XXXX  and Equifax? Please validate your investigation or otherwise delete the account immediately.
Product: Credit card or prepaid card

XXXX, I am notifying you in writing of the ongoing issue I am having with PNC. 
On XXXX-XXXX-18, check # XXXX was cashed for {$7500.00}. The balance owed to PNC Visa was {$1500.00}, an overpayment of {$6000.00}. I was the one that caught this error, not PNC. 
After speaking with many people in the escalations department and local assistant branch manager, XXXX XXXX PNC, I received notice ( in writing ) that the {$7500.00} was returned to my account. 
For statement ending XXXX-XXXX-18, I received a statement for charges made to my Visa for {$4800.00}, which would have been about 3 months of charges and was almost accurate with credits for past due and finance charges needed. 
The issue is that on XXXX-XXXX-18, check # XXXX was cashed again for the 2nd time, without any notice. 
The 2nd problem is that this {$7500.00} payment has not been applied to my Visa account. 
The {$7500.00} has been removed from my checking account but not applied to my credit card. 
No one can tell me where the funds went. 
I spoke to XXXX XXXX on XXXX from XXXX to XXXX, she assured me that this would get this resolved in a couple of days and that she would touch base with me on Friday, XXXX. 
I did not hear from XXXX on XXXX, so I called and left a message at XXXX on XXXX. 
She did return my call later that day letting me know no progress has been made. 
As of today, XXXX, I left XXXX another message at XXXX, no progress or any kind of resolution has happened to my missing {$7.00}, XXXX. XXXX. 
This is the worst customer service issue I have ever experienced. 
After having a 28 year experience with PNC, my disappointment and frustration is at an all -time high. 
I expect immediate resolution of this issue. 
I have spent hours trying to resolve this issue with no success. 
I would like the {$7500.00} returned to my checking account, all late fees/finance charges removed, and an accurate statement of the charges owed on this Visa account. I will pay the balance immediately once Im satisfied that the {$7500.00} is returned and WILL NOT BE removed again.
Product: Money transfer, virtual currency, or money service

ive used zelle a lot before but always have issues with them taking more money or not returning when its sent to the wrong person
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ Credit Reporting Agency ] for failing to address my disputes and continuously sending stall letters despite providing all requested identification and supporting documentation multiple times. 

Details of My Dispute : Identification Provided : In my initial disputes, I included a copy of my driver 's license ( showing my current address ) and my social security card. Despite this, I have received multiple stall letters falsely stating that you have not received the necessary documentation. Once again, I am resending this information, including : Driver 's license ( with current address ) A utility bill ( with my current address ) Social security card This information was included in a certified letter ( Receipt number : XXXX XXXX XXXX XXXX XXXX ), along with the original correspondences, yet the stall letters continue. 

Accounts in Dispute : Account Name : XXXXXXXX XXXX Account Number : XXXX Dispute : The payment history from XX/XX/XXXX to XX/XX/XXXX is inaccurate. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Dispute : The date of last activity is incorrect. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Under the FDCPA, 15 U.S.C. 1692g ( b ), I have requested verification, validation, and the original creditors name and address. This collection agency has failed to provide the required validation and continues to report this negative entry on my credit report without appropriate verification. 

I have repeatedly disputed these inaccuracies, but [ Credit Reporting Agency ] has failed to correct the errors or provide proper investigation into these matters.

Resolution Requested : I request that you correct or delete the inaccurate information on my credit report as listed above, and provide me with an updated credit report reflecting these changes.
Product: Credit card or prepaid card

We have a Gap store card for years and has been on auto pay. Last year Gap moved the account from XXXX ( i think ) to Barclays. The account transfer was bungled such that we could not create a new login at Barclays to check account balances. In the meantime we used the card. In XX/XX/2022, we called on the phone and made all the payments and made balance XXXX. Somehow they charged us {$2.00} minimum fee and we never got any letter for it and we never used the card for next few months. In the meantime, that {$2.00} had a {$30.00} and {$40.00} late fees tagged on. We called and sorted it out with Barclays. But they reported us for " late payment '' to credit bureaus which adversely affected our credit while this was no fault of ours. We currently have a credit balance with Barclays gap card ( they owe us money. ) We called them to resolve the credit reporting matter but they do not have a phone number or an email to communicate with their credit reporting dept. 
Only help we're looking for it to fix the incorrect reporting to the credit dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am spouse of an active military and have contacted Equifax 2 times to help fix an error on my credit report. I have been hung up on disconnected given wrong fax numbers numerous times but yet my issue is never resolved. I am looking to refinance our house and there is a late payment should up from XX/XX/XXXX from XXXX. I called discover they have corrected the error in there system and send me a letter stating they have updated it and it takes between 45-60 days to update. 

I have letter proof from discover and have been trying to get Equifax to update this reporting so I can refinance my house before the interest rates go up again. Below is how the account appears on my Equifax report XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code :  Authorized User Account Status : Open Monthly Payment : {$29.00} Date Opened : XX/XX/XXXX Balance : {$700.00} No. of Months ( terms ) : 0 High Credit : {$1700.00} Credit Limit : {$900.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Credit card Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX I have attached letter from XXXX to this complaint.
Product: Debt collection

was on XXXX XXXX status at the time of the accident. I have written to the credit bureaus about this and this is still being reported on my credit report. I have provided proof of military service at the time of debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear DISCOVER BANK, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name DISCOVER BANK Account number XXXX Account type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Product: Credit reporting

A lot of negative inaccurate debit that is over decade old and is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I am XXXX XXXX and my reason for me reaching out today is to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit card or prepaid card

I was informed by my bank that someone had opened an online bill pay banking account and opened credit cards under my name in different states with my persona profile such as social, DOB and other personal information. I have also been denied credit card due to this identity fraud and I need all the credit bureaus to please be informed of this occurrence so that I can be better protected. I am an elderly and they have even taken my social security money and need help protecting myself against these thief 's. Thank you for your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Dear CFPB Team, I trust this letter finds you in good health. I am writing to bring to your attention several concerning violations of the Fair Credit Reporting Act ( FCRA ) committed by TransUnion, a prominent credit reporting agency. 

On XX/XX/year> a Bankruptcy Removal Letter was sent to TransUnion informing the credit bureau of the unverified Bankruptcy on my credit profile.

Per the FCRA 623 ( a ) ( 5 ), it is explicitly stated that If the Credit Bureau can not validate the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Despite repeated attempts to validate the information regarding a bankruptcy on my credit report, TransUnion has failed to provide evidence of validation from the original creditor, thus violating this provision of the FCRA.

Furthermore, as outlined in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), TransUnion is legally obligated to verify all accounts and public information posted on any individuals credit report. This verification process should include physical verification of the original signed consumer contract and/or judgments. However, it appears that TransUnion has neglected to fulfill this obligation, resulting in the dissemination of unverified and potentially inaccurate information regarding my financial history. 

These violations have had adverse effects on my financial standing and have hindered my ability to access credit and other financial services. Therefore, I respectfully urge the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate measures to ensure TransUnions compliance with the FCRA. 

Enclosed with this letter are supporting documents relevant to my case for your review and consideration. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution. 

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

I decided to get my credit report pulled because every time I kept applying for credit cards I would get denied. To the best of my knowledge I have always paid my bills on time. There are several items on my report that need to be removed. Can you please remove these items from my report. 

12 XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$4100.00} XXXX AR XXXX {$240.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX  TX XXXX {$240.00} XXXX  XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  TX XXXX {$460.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  TEXA XXXX {$240.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  TX XXXX
Product: Credit reporting or other personal consumer reports

The company closed my account and payments were all on time in credit report. The company did not provide same account and opened new account of credit including hard inquiry. The company has also been sharing private information and a lot of scam emails received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has XXXX XXXX XXXX. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1881 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I went into default on my private students loans when I was given misinformation from the original debt holder of all my student loans, XXXX. I spoke to a XXXX representative during a period of time that I was filing Chapter XXXX bankruptcy and was told to hold off on all my student loan payment until the bankruptcy was completed. My loan payment included both federal and non-federal loans so that information was correct for my federal loans that transitioned back into repayment without any problems, but incorrect for my non-federal private loans that were sent into default. I did not receive any notice about the default until it was already sent to collection agencies. Once I was aware of the misinformation and resulting default I started to pay XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX, that took over my non-federal loans. I was making monthly money order payments to the collection agencies for over two years, however they did not provide me with receipts of payments. When I requested proof of receipt of payments, XXXX XXXX XXXX , XXXX gave me proof, but XXXX XXXX XXXX , XXXX did not provide me with any information. Since I was not sure they were receiving my money order payments I stopped making the monthly payments since I did not know for sure they were being received and credited properly. XXXX XXXX XXXX, XXXX, did not contact me for six months instead they transferred my debt to Williams and Fudge, Inc. The new collection company is now calling and sending me notices demanding payment. Furthermore, they have added unexplained additional charges added to my original debt.
Product: Debt collection

I AM A VITCIM OF IDENTITY THEFT. I HAD NO KNOWLEGDDE OF THESE ACCOUNTS. THESE ACCOUNTS LISTED ELOW WERE OPEN FRAUDELENTLY. 


XXXX XXXX XXXX # XXXX Balance {$500.00}. 
XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX Balance {$2100.00}. 
XXXX XXXX # XXXX Balance {$24000.00}. 
XXXX XXXX # XXXX Balance {$84.00}. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX. {$2500.00}. 
XXXX XXXX XXXX. Balance {$3300.00}. 

ATTACH TO THE COMPLAINT IS MY IDENTITY THEFT REPORT.
Product: Mortgage

I have tired to correct information on my credit report. I have disputed it with both the Bureaus and the creditor. They have not properly investigated and resolved my issue. Bank of America Mortgage begin a modification process on my XXXX and XXXX mortgage at the same time XX/XX/XXXX. After complying with the terms and paying the trial modification my XXXX was modified permanantly in XXXX but my XXXX was not. I constantly asked Bank of America the status, they said it was still working, I continued to pay the trial payment, then XX/XX/XXXX I got another notification that my XXXX mortgage was under trial modification, Again I continued to pay it on time and XX/XX/XXXX the XXXX became permanant, almost 1 year later. Bank of America reports that I was 120 days late and that I was late on my XXXX mortgage since the trial began. They corrected this on the XXXX mortgage but not on the XXXX. I made payments as agreed and yet the report is not an accurate reflection of what happened. I never got an explaination as to why the XXXX mortage took so long. But with the XXXX, Bank of America Reported that I was on time from the start of the XXXX XXXX. In addition when we started this program - due to job loss- we were told there was nothing that cold be done until we were behind. I would like to have my credit reports reflect as paid as agreed on my XXXX mortgage from XX/XX/XXXX until now. I have attached documetation showing my payments, the agreement and the impact on my credit report. Please HELP I have sent endless disputes to Bank of America and The Credit Bureaus to no avail. This really hurts my ability to get back on my feet, since the modification, we have been able to make payments and straighten out our financial lives, this inaccuracy does have devastating impact.
Product: Debt collection

I have a unverified account from CBE. I had previously disputed this account. I have never done business with CBE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a signed contract, proof of claim, any documentation for my legal protections and rights to know if in fact this claim can be enforced upon my person.
Product: Credit reporting or other personal consumer reports

in the past i tried to apply for an apt and an account with XXXX that is on my credit report holds me back. The leasing agent contacted this company and was told they have no record of me as a tenant but it does appear on my report but with a XXXX balance. in the rental system however, it shows an unpaid balance. I need assistance asap as i am relocating to a different state and dont want any pushback or delay
Product: Debt collection

I received correspondence from Eltman Law PC on XX/XX/XXXX stating that I need to fill out a form of interrogatories. It is in regards to a debt that I won a judgment on XXXX. I was the defendant in the case and there was a judgment for the defendant entered. the plaintiff filed a civil appeal that I never received any notice of the appeal. Eltman law is trying to collect on an invalid debt by representing and threatening to take legal action on the case.
Product: Money transfer, virtual currency, or money service

I have been a customer with Coinbase for 4.5 years. On XX/XX/XXXX I requested that my account be locked until XX/XX/XXXX because my laptop was stolen from me and I was paranoid that my account would be accessed. On XX/XX/XXXX, I e-mailed support Coinbase to determine the steps needed to unlock my account. I have not received any further e-mails from them since. I have called, waited 1hr and 30mins on hold and was connected to a employee who said that my support ticket would be pushed to a specialized team to handle my issue. It has been 10 days since that support call and still no contact and still no access to my account. During my time locked out of my account the value of my account holdings has risen and fallen over {$20000.00}.

As a Coinbase customer for 4.5 years, with high value holdings I thought I would be treated better than a month wait time on what should be a simple request for my account to be unlocked.
Product: Bank account or service

I feel like I was discriminated by TD bank in XXXX XXXX NJ on XXXX. First of all I was told that I will pay no servicing fee for holding my account at TD bank as long as I hold a minimum of {$100.00} balance. I contacted TD bank and told them that it 's not fair that I have been paying approximately {$15.00} per month when in fact I had the minimum balance required. They told me they could only refund one month of servicing fees and that it is my problem, and they do n't have to pay me back. They also told me that I will not have to pay any servicing fees for my saving account which I have been paying about {$4.00} per month for a couple of years. I applied for a personal loan at TD bank a couple of weeks ago and I feel I was discriminated by the bank due to my national origin which is XXXX and due to my XXXX faith. I have a heavy XXXX accent, and I felt like I was mistreated. I was declined for a unsecured personal loan for the amount of {$10000.00}. However I contacted XXXX personal loan a couple of weeks later and I was approved for a {$10000.00} unsecured personal loan. 
I know that the bank has taken advantage of my situation by not crediting any of the fees and declining a loan that I should have been approved for because other lender would probably approve the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me