23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I 've been with Rush Card 8 years and they have n't funded my money and it 's been three days since I 've supposed to receive it, I have n't paid any bills because I do n't have my money and it 's not right, I only receive XXXX every two weeks, it 's hard for a single mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my credit report, I noticed that The US Department of Education reported two accounts in the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies, but I did not get either request fulfilled. These are the inaccuracies that I reported : -The payment history from my Equifax report shows that I was on time in XX/XX/XXXX, but 120 days late a month later in XXXX. That is logically and statistically impossible. 

-My XXXX report is incomplete and they have completely removed the payment history instead of removing the account as requested. 

- My XXXX  report is inaccurate and the data doesn't have the same information as Equifax. 

-On the Department of Edu website it states that a payment was made in XXXX of XXXX, but I never paid anything to them or knew anything about this account until I pulled my credit report in XXXX of XXXX. 

They state that the student loan was assigned to them by XXXX but the data from XXXX showed late payments in XXXX while The US Department of Education states everything was on time that year on my Equifax report. How is this even possible or allowed to come back as being verified if their information doesn't match the original creditor, XXXX?! 

This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.
Product: Debt collection

I CHECKED MY CREDIT REPORT AND FOUND ITEMS THAT DONT BELONG TO THAT ARE NEGATIVELY AFFECTING MY XXXX SCORE. I WANT THESE ITEMS REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a closed XXXX XXXX account incorrectly on my credit report. I have sent written disputes to this agency for months now and to this date, all I have received are stacks of generic letters claiming the information I am disputing has been " verified as reported. '' This is not true and I have the supporting documentation to prove it. The account is with XXXX XXXX XXXX and was charged off years ago. The account number is " XXXX '' and the credit bureau is reporting an incorrect past due amount of {$29000.00}! I no longer owe XXXX XXXX any money for this account and the balance reporting should be {$0.00} for it. XXXX XXXX issued a cancellation of debt in XX/XX/XXXX for this debt and the amount was discharged from my file. I no longer owe them any money so even if I tried to pay them, they would take any more from me because the debt was discharged. I also paid taxes on the discharged amount when all of this occurred. I am attaching the XXXX document I received from XXXX XXXX XXXX as a supporting document for the XX/XX/XXXX tax year. This is all the credit bureau needs from me to update this account properly. I have been sending disputes since XX/XX/XXXX, almost an entire year now. Why has it taken so long to update my account with the right information?
Product: Credit reporting or other personal consumer reports

I noticed errors on my credit report with late payments that don't fit my record. Please address these mistakes and update my account.
Product: Checking or savings account

XXXX XXXX : ** I contacted XXXX to request the recall of ACH deposits sent to my account. They agreed to initiate the recall, estimating that it would take approximately 3-5 days for Chase to respond. 

XXXX XXXX : ** XXXX reached out to inform me that the recall attempt had failed. They provided the following error message : **Failure Code : ** " no_account '' **Failure Message : ** " The bank account details on file are probably incorrect. No bank account could be located with those details. '' To clarify, I sent XXXX my direct deposit form to confirm the correct account was being referenced. They subsequently verified that all account information was accurate. 

XXXX XXXX : ** I called Chase Bank to understand why the recall had not been accepted. The representative explained that the funds are currently in suspense status due to the account being closed ; therefore, a recall could not be processed, as the money is no longer available for reversal back to XXXX. This response contradicts multiple letters I received from Chase 's executive office, which indicated that XXXX could initiate a recall request to retrieve the funds. 

During my conversation with the Chase representative, they insisted on verifying the contact details for " XXXX XXXX. '' After I provided the phone number, they confirmed it was verified and were able to contact her directly. The representative successfully reached XXXX XXXX and confirmed that the funds were intended for my account. Consequently, they submitted a request to the back office to release the deposits associated with her name. 

My primary concern is that while the three ACH deposits associated with XXXX XXXX are set to be released due to the verification of XXXX XXXX, the original reason for XXXX 's recall was the inability to verify the deposits associated with " XXXX with Chase. Thus, there seems to be a contradiction in Chase 's statements, the funds associated with " XXXX  '' remain in limbo because a recall can not occur according to your previous statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that XXXX and Experian preform and independent investigation with XXXX XXXX XXXX account XXXX. This account is being inconsistent reported by the credit bureaus with different Date Of First Delinquency and re-aged. XXXX is reporting for XXXX XXXX/XXXX, Experian is reporting XX/XX/XXXX. XXXX is reporting for XXXX XX/XX/XXXX Experian is reporting XX/XX/XXXX. XXXX is reporting for XXXX XX/XX/XXXX, Experian is reporting XX/XX/XXXX. These are different years, months and dates of first Delinquency and inconsistent reporting by both credit bureaus. This account has been illegally re-aged which is a violation of the FCRA requirements. 

I have attached a copy of the credit report as proof documentation showing the inconsistent reporting by the credit bureaus and re-aging of this account which is a violation of the FCRA. 


I am keeping a record of all communications with this dispute with the credit bureaus in case I need to litigate this inconsistent reporting by the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I called XXXX XXXX  ( the mortgage holder ) to obtain the amount needed to pay off the loan. They provided me the amount and I submitted a payment for that amount. They stated it would take 10 business days to complete the transaction. When I called two weeks later they said that they had not processed the payment and it was sent back due to it being partial and not reflecting the full loan payoff amount. I let them know that I paid the amount I was given AND asked why they wouldnt accept that amount toward the loan and allow me to pay the remainder? They could not answer that. I then cancelled and submitted the payment again ( with the new payoff amount they provided ). Because of this the second payoff attempt, that XXXX XXXX  accepted, was finalized in XXXX. XXXX XXXX  has reported the XXXX payment as delinquent despite their decision to reject/ not process the first payoff made in XXXX. I have never had a delinquent payment on this account, for the 2+ years Ive had this loan. The only reason the payment was not made in XXXX was because XXXX XXXX  elected not to accept the payment, which they did not notify me of until I called to inquire. Additionally Ive spoken to XXXX XXXX  representatives that they themselves did not know partial payments would be sent back. Ive had no luck with getting anywhere with XXXX XXXX  but do not believe this should be reported as a delinquent payment since had XXXX XXXX  not rejected a funded payment in XXXX, this would not have been the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute and request the removal of the outdated accounts from my credit file, which has been negatively impacting my credit history. I have reviewed my credit report and have identified the following inaccurate and outdated accounts : Account Name : XXXXXXXX XXXX  XXXX Account XXXX : XXXX Balance : {$0.00} Account Name XXXX XXXXXXXX  Account Number : XXXX Balance : {$0.00} XXXX wish to bring to the Credit Bureaus attention that these accounts are outdated and no longer applicable to my current financial status. I have diligently managed my credit obligations, and the outdated accounts do not reflect my current creditworthiness. Its presence on my credit file inaccurately represents my credit history, which could potentially hinder my ability to obtain favorable credit terms, loans, housing, and employment opportunities. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information in my credit report. The FCRA also grants me the right to dispute any inaccurate or outdated information and request its removal.
Product: Vehicle loan or lease

In my credit report is stated charge off as of XX/XX/XXXX. Last payment was XX/XX/XXXX. This loan was from almost XXXX  years XXXX. I just received notification if wage garnishment starting on the XXXX if XXXX. 

Also it's past the statute if limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for XXXX to delete and remove this fraudulent account immediately from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Mortgage with XXXX / XXXX. XXXX & XXXX XXXX We have had an outstanding payment performance with XXXX for our Mortgage payments. We were notified in XXXX that XXXX was selling their Mortgage to XXXX XXXX. We called and asked if there was anything we needed to do and we were told No, that it would be a seemless transition. It was anything but seemless. We were told our direct deposit of our checking account would switch from XXXX to XXXX XXXX. When I checked my credit report it showed late payments from XXXX XXXX. We called XXXX XXXX and and found out that those payments did not get directly deposited into our new Mortgage with XXXX XXXX. In order to make our account current we made a one time payment of {$13000.00}. which made our account current on XX/XX/XXXX. Today I saw that the credit report was now showing that XXXX was delinquent. The woman I spoke with today sent me our transaction history and it indeed shows our account was made current on XXXX, XXXX. The credit report is showing that we have an outstanding balance with XXXX XXXX of {$8900.00}. when if fact that was all paid and then some to XXXX XXXX who now owns the loan and we have set up automatic deposit. We do not owe {$8900.00}. look at the account, it is current and yet our credit score continues to go down and you folks have not adjusted the outstanding balance. We are interested in refinancing or taking out a home equity loan but this has killed both me and my husbands credit scores. Please update your records and remove the deliquent months of payment so our credit can get back in good standing. I have talked to no less than XXXX people between XXXX and XXXX XXXX. No one could give me an explanation and I was told to schedule a dispute. If this isn't taken care of we will be taking our business elsewhere. I have spent 3 days on this matter which should have been resolved in one phone call. 
Thank you in advance for your attention to this matter. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX broken several laws 15 U.S.C1681 section 602 A I have the right to privacy.

15 U.S.C 1681 604 A Section 2 a consumer reporting agency can't furnish a count without my written instructions. XXXX XXXX has been reporting this information without my permission for over 45 days. I been asking them for months to delete this inaccurate information and they just say they are reinvestigating and never give back any results of the investigation. They haven't shown that they are Metro 2 compliance or how the verified this information to begin with. XXXX has defamed my character on purpose.
Product: Debt collection

I have made several attempts to contact XXXX to validate this debt, request debt be removed for inaccuracy due to my credit report reporting this account is open. My last failed attempt was a certified letter sent on XX/XX/XXXX, it was signed for but the signature is illegible. I have not gotten any response as of XX/XX/XXXX. I was able to have XXXX remove this collection from my credit report but XXXX and XXXX have refused to remove this from my credit report.
Product: Debt collection

I sent a letter to Equifax on XXXX/XXXX/XXXX in regards to the XXXX account # XXXX {$68.00} - I have also sent a letter to XXXX, no response on the erroneous debt.
Product: Checking or savings account

In XXXX, my wife and I migrated to overseas. We left a savings account with a bank and also an office which was rented out to a gentleman under a provision that he would purchase same building. A year before leaving I had applied to the bank for a line of credit which I subsequently did not use as the XXXX XXXX XXXX decided not to go through with the project. I had subsequently done business with the bank and did not owe them any monies at that time. While away I kept in contact with the renter of my building. On one occasion he told me that he has been harassed by the Bank because they claimed that they wanted their building. This came as a surprise to me as I neither owed the bank any money nor did I use the Line of Credit for which I had applied. Subsequently, they evicted the gentleman from the building. XXXX, he suffered an XXXX XXXX and died. He was found in another building across the street from where the office was located. I returned to the XXXX in XXXX and went to the bank to recoup my monies that was lodged there only to find every penny was taken out. Discussions with a bank manager ensued in which she told me that I had redrawn the monies. I asked her for the evidence that that was so and she told me to return later. Upon my return, no one could account for her whereabouts.
Product: Mortgage

In XXXX, I purchased land which was about a year before building my home on it. Unbeknownst to me, my property taxes were based on only the land even after the house was finished. After living in my home for XXXX years and paying my mortgage, the payment jumped about {$1500.00} per month due to the required extra escrow. My property taxes went from $ XXXX to $ XXXX. So, I was paying for the current year and the next year with my escrow payment which I could not afford. My loan and deed were solely in my name. 
In XX/XX/XXXX, I reached out to XXXX XXXX XXXX  for a loan modification, submitted a loan modification application, and started their 3-month trial program in XX/XX/XXXX. I made the required payments of {$21000.00} but my loan was not modified. The trial ended in XX/XX/XXXX, and my father passed away that month. I didn't follow up with XXXX XXXX XXXX  until XXXX XXXX because that's when they returned my XX/XX/XXXX payment and charged me an insufficient funds fee, but that wasn't the issue. When I called, I was told that I could not get a loan modification because I had a tax lien on my property. After researching, I found that the XXXX had a tax lien attached to my property for a woman with the same name as my mother who lived in a different city. After explaining the issue and getting the XXXX to correct the issue, I followed up with the bank. They would not continue with my loan modification. So, I requested a forbearance to work on lowering my property taxes. 
In XX/XX/XXXX, I complete the loan modification paperwork again and started another 3-month trial. I made all XXXX payments of XXXX. The last payment was made before it was due in XXXX. I called to make sure that wouldn't be an issue as I would be traveling for business at the end of the month and didn't want a late payment. I was assured this wouldn't be an issue. XXXX XXXX I call the bank to see the status of my loan modification and was told things were slow, but they had my information. I was told to continue paying the same amount as I was making during the trial period. 
XX/XX/XXXX and XX/XX/XXXX go by, and I do not hear anything from XXXX XXXX XXXX  about my loan modification. I check the loan servicing center online and they have sent me yet another loan modification application in XX/XX/XXXX. I call the loan modification center and was informed that I didn't make my XX/XX/XXXX payment. Then, they see that it was made in XXXX and apologized for the oversight. I was assured they would take care of the matter and a supervisor would call me. No one has called me. My loan hasn't been modified. 
Also, they have not updated my credit report to reflect that I've been making payments over the past few years except during the forbearance. The incorrect reporting is preventing me from refinancing my loan with another bank as I can not seem to get my loan refinanced. I'm also missing an opportunity to take advantage of lower interest rates. In addition to the trial payments, I also made XXXX payments to my escrow account ( {$3700.00} and {$2000.00} ) I do not know what else I can do to get the bank to finalize the loan modification and update my credit history.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputed items.

Affirm incorrectly reported my account 30-days late. I made two payments for {$120.00}, totaling {$250.00} on XX/XX/year>2024. I contacted them immediately to dispute and they werent interested in my claim. They advised updates can take 30-60 daysunacceptable. I've attached proof of payments. Clearly, XXXX did not process both payments, according to them. Their technical issue is not my fault. The account is now paid off ; the erroneous late payment needs to be removed immediately. 

I disputed with Experian via phone and uploaded proof of timely payments. Today, they sent me a resolution closing stating XXXX certified their findings and the late payment would remain. Under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the upmost seriousness and compliance with legal standards.
Product: Debt collection

This company is reporting an account on my credit reports that absolutely does not belong to me. 

{$120.00}
Product: Checking or savings account

I recently found out about a lot of transactions on my card that were charged by different merchants and companies through online. I do not recognize any of these charges. I have filed a claim with Bank of America with the XXXX XXXX XXXX XXXX It was filed on XX/XX/year>. The total charges amounted to {$6700.00}. They closed the claim on XX/XX/year> without any explanation. There were i believe 3 merchants that were involved. Bank of America didn't provide any information on these merchants, did not provide me any evidence of the transaction, and just closed my claims without any explanation or letter. I don't know what else to do.
Product: Debt collection

I C systems collection agency XXXX XXXX XXXX  XXXX XXXX XXXX, Minnesota XXXX contact number XXXX and XXXX Ext XXXX. I contacted them on XX/XX/2018 about the XXXX account reference number XXXX for {$230.00} to see why it is still showing on my credit and have not been able to speak with a person that can help me. The initial agent that I got on the phone gave me the above number and extension but I was unable to reach the extension without being disconnected. I called XXXX back and they verify a {$0.00} balance since I never used the services but are unable to assist because the debt was sold to IC SYstems. I need some assistance getting through and getting this item removed off of my credit.
Product: Debt collection

The account reports it was open on XX/XX/XXXX. I was notified via credit alert in XX/XX/XXXX about the account. 
I canceled a service with XXXX XXXX XXXX  in XX/XX/XXXX. I was aware I was sent to a collection agency. I emailed the XXXX director on XXXX XXXX who stated that I was charged for XXXX despite canceling the service. She also stated in the email that the record will clear once the balance was paid. 
I reviewed all of my informed delivery notifications between XXXX and XX/XX/XXXX and I do not have anything from CyberCollect/Payliance. I emailed them on XX/XX/XXXX informing them I did not receive any notices and I am willing to pay provided the account is removed from all 3 bureaus. They did not respond.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

CHASE wire transfer of amount XXXX INR ( XXXX USD ) was debited from my account on XX/XX/XXXX as approved by me to be credited to an account in XXXX XXXX XXXX XXXXXXXX ( XXXX ). Since XX/XX/XXXX I have been sending messages to the CHASE Research Wire Department of my communication with XXXX and the confirmation that they did not receive any money in any of their accounts from that amount around the time sent. XXXX requested the XXXX document which I requested from CHASE. When I sent XXXX the document they said it was not an XXXX, but simple a receipt that would not help them trace the money. XXXX suggested that the money was held up in the intermediary bank of CHASE. I asked CHASE to confirm if their intermediary bank in Delaware sent the money. Its been 1 month now and CHASE has since stated that there are not receiving response from XXXX or the intermediary bank of theirs on whether the money was sent to XXXX. I have attached all my communications with XXXX managers via secure messsage chat on CHASE portal for proof that XXXX did not get the money, No one from the CHASE wire department will speak to me directly. I also called the escalation team this week and they called me and say is the wire department was vague and said they have not received any response from anyl of the involved banks. The CHASE Research Wire Department number is XXXX. CASE XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THATS NOT MINE. THEY REFUSE TO DELETE.
Product: Credit reporting or other personal consumer reports

Mid Atlantic has a charge off on my account. This account has been paid off and still remands on my credit report. I have spoken to them on many occasion about not receiving my 1099 c form to as this day I havent received it! Please have this remove off my account immediately due to this is fraud I