23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XX/XX/scrub>XXXX XXXX a fraudulent charge appeared on my XXXX XXXX credit card account, which had been inactive for an extended period. This fraudulent charge led to a late payment being reported on my credit report. I only discovered the issue after receiving a notification from XXXX on my credit score update. 

I promptly disputed the fraudulent charge with XXXX XXXX, and they resolved the dispute in my favor, confirming the charge was fraudulent. However, the late payment resulting from the fraudulent charge remains on my credit report, negatively impacting my credit score by XXXX points. 

I contacted XXXX XXXX via a written letter to dispute the late payment entry on my credit report, providing all relevant evidence. Despite my efforts, XXXX XXXX has refused to remove the late payment from my credit report, even though the underlying charge was determined to be fraudulent and resolved. 

I am requesting the removal of this incorrect late payment from my credit report, as it was caused by a fraudulent charge that XXXX XXXX confirmed was invalid. This incorrect entry has unjustly impacted my creditworthiness by significantly lowering my credit score, and I seek resolution through this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. 

Customer service at XXXX XXXX indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. 

The XXXX accounts are listed here : Three accounts ( two checking one CC ) applied for online through XXXX XXXXk onXXXX XXXX, 2021 One credit card applied for online through Capital One on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I am submitting this response to Ally Financials handling of Complaint # XXXX regarding the inaccurate reporting of account XXXX. Ally 's statement that they do not control how credit reporting agencies report or score information is not in line with FCRA regulations, and a court would not view this interpretation favorably. 

Additionally, Ally Financial violated UCC procedures during the repossession of my vehicle, which has caused me direct financial harm. The repossession was unlawful, as Ally lacked the present right to repossess, violating 15 U.S. Code 1692f ( 6 ) concerning unfair practices. 

Furthermore, Ally Financials ' business registration in Texas is inactive, and their right to transact business has been forfeited. Without legal authority in the state, Ally can not legally report debts to credit bureaus. I have attached the business entity search for reference. 

Given these violations, I request the immediate deletion of account XXXX from all credit reporting agencies. Please consider this a formal request to remedy these unlawful practices before I take legal action.
Product: Money transfer, virtual currency, or money service

Tuesday XX/XX/XXXX I deposited a check at a SDCCU ATM, the check was given to me from my mother for {$3000.00}. I immediately received {$1500.00} available after the deposit. 

The following day XX/XX/XXXX the remaining balance was released into my account. 

On XX/XX/XXXX I made a few purchases that pertained around my wedding, I purchased clothing at XXXX {$120.00} and XXXX {$81.00} and {$7.00}, but also same day returned an item at XXXX {$43.00}, purchased my husband and my wedding bands on XXXX {$84.00}, purchased gas at XXXX {$45.00}, and we went out for dinner to celebrate our wedding at XXXX  {$83.00}. 

Then on the evening of XX/XX/XXXX I tried making a payment for a purchase I had installments on, and my card declined. I checked my bank account to find that the check was blocked and the full amount of {$3000.00} was returned, leaving my account in the negative for {$350.00}. 

Today XX/XX/XXXX I called SDCCU to see why the check was blocked/returned and was given a vague answer, to which I was just told was some activity from my mothers bank. I called my mother who then told me to contact her personal banker at XXXX XXXX XXXX XXXX. When I spoke to her banker, he informed me that everything from their side was cleared, the check was approved, and their fraud department confirmed there was no suspicious activity ; but that SDCCU never actually pulled the money out of my mothers account, even though SDCCU went ahead gave me full access to the funds. 

I called SDCCU again to see if they were returning the blocked check to me, to which they said yes, but still never gave me a legitimate reason as to why they blocked the check in the first place.
Product: Debt collection

Company is fraudulently reporting debt that was not owed to XXXX XXXX XXXX  I have moved out about XXXX  years ago never have been contacted about an owed balance from complex since then. Upon move out balance was paid in full to apartment complex. Complex had many unlivable conditions which is why I didnt renew lease complex had apartments with multiple break ins, bug infested apartments, and multiple crime cases in area and terrible leasing company that wouldnt address any concerns and would not assist with this matter which cause a huge safety concern to me. Complex had gotten so bad to the point US mails service wont even deliver mail there anymore due to constant break ins to mailbox area. I have tried to reach out to Rent Recovery solutions and request proof balance that was owed and breakdown of charges as well, Rent recovery solutions is reporting a balance of XXXX which I have never received a response or any type of assistance and also no assistance from apartment complex. Just take a peek into both companies reviews this tells you everything you need to about them.
Product: Vehicle loan or lease

I give the vehicle back couldn't afford the payments then when we they said they sold it for less then wat was owed that had to pay and I couldn't then after all these years a debt collector bought it from the company on wat was owed and the debt collector try to tell me if didn't make arrangements would hurt my credit score it never was on my credit report I check it quite often so agreed to make XXXX a month payments so that's why I'm filing this complaint thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by CITI. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The paymentS reported as late were made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking 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 XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXXXXXX XXXX of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX {$580.00}
Product: Mortgage

I purchased a new home valuation ( XXXX ) through the servicer ( Chase ) for the purpose of PMI removal. The XXXX was completed, and Chase sent a letter confirming the new value and the principal balance ( XXXX  ) that would need to be reached to qualify for PMI removal ( {$210000.00} ). 
On XXXX, I made the necessary principal curtailment to bring the balance below this threshold ( in addition to my regular monthly payment on XXXX ). 
In the payment screen of the Chase website, I specifically selected the " Principal payment '' option for the curtailment. Chase misapplied my principal curtailment, causing my principal to remain above the threshold. 
Note : {$400.00} out of my regular XXXX monthly payment should have gone to principal, per the amortization table -- I was including this in my overall calculation. 
I contacted Chase 3 times, but their responses failed to even recognize my issue. They only replied with thoughtless, copy and paste style answers. I am providing copies of the following documentation : ( 1 ) all complaint correspondence ( 2 ) proof of my regular monthly payment ( 3 ) proof of my principal curtailment ( 4 ) New valuation and UPB requirement letter from Chase ( 5 ) XXXX and XXXX account statements ( 6 ) Recent transaction history ( 6 ) Amortization table from loan origination The numbers are as follows : XXXX as of XXXX : {$210000.00} Principal Curtailment : {$2900.00} XXXX payment portion to principal : $ XXXX Total principal reduction : {$3300.00} My XXXX  should now be at {$200000.00} Somehow, my XXXX  XXXX still showing as {$210000.00} *This number came from Chases amortization schedule as of XX/XX/2022, which I did not save a copy at the time that I viewed it. The Chase website now no longer provides the XXXX  portion of their amortization table, but I provided a copy of the original version from the loan origination. The portion to principal varies slightly, but not by enough to make any material difference.
Product: Prepaid card

I completed my tax return using XXXX online service. On the last page, there 's an inquiry as to how I 'd like to receive my funds. It also advertised a quicker way to receive my funds by receiving it on a debit prepaid card, PayPower. This prepaid visa card is powered XXXX. I went with this option. 

The XXXX deposited {$9.00}, XXXX into my account with these people and I have yet to receive my funds. PayPower claims that they 've returned the money to the XXXX. The XXXX confirmed that XXXX received the funds on my behalf and has cashed it. PayPower confirmed receipt of said funds ; however, they continue to claim that they 've returned the funds to the XXXX, which is not true. 

I 'm working with XXXX XXXX, a XXXX XXXX Advocate who can confirm that the XXXX has not received the funds. She can be reached at : XXXXPayPower can be reached at : XXXX can be reached at : XXXX 've been getting the " run-around '' since XXXX XXXX, 2015. The XXXX deposited the funds on XXXX XXXX, 2015. 

PayPower was not satisfied with all my attempts to prove my identity. They claimed that they returned the money to the XXXX on XXXX XXXX, 2015. 

Since then, it 's been a back and forth and no real answers. 
I 've been evicted from my home. I was homeless with my children. This has devastated my life in ways I did n't think possible. 

I believe I am a victim of fraud. Please look into this and help me recover my due funds. 

Thanks a million.
Product: Credit card or prepaid card

I applied for a Best Buy card to get financing on a computer I am purchasing for my home business. The card was advertised as having 24 months of interest free payments, and users would get 10 % off their first purchase. I applied and received notification that I would need to call, then the number that was provided would not let me get past the automated system without an account number which I didn't have as my application was in limbo. When I was finally able to speak with someone she approved my application and I opted for a store specific credit card since I only wanted to use it for financing this one purchase. When I went back to my cart to check out I was only given an option of 6 or 12 month financing with the card and there was no mention of getting 10 % off. When I called again I was told that " usually '' the offer is " up to 10 % back in rewards '' and according to the purchase in my cart I was eligible for 5 % back which would be {$60.00}. Had I known all of this at the beginning I would have  financed with XXXX because ultimately I would have had a longer period over which to pay and my monthly payment would have been less. This is a bait and switch, and I'm very upset. I'm currently waiting on a callback from the company, after having been on hold for 2 hours yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Equifax and XXXX XXXX XXXX XXXX. I have contacted them on multiple occasions and a quick fix is done, but it reverts back to either reporting another persons information or not at all. Specifically with Equifax, after removing again someones information they state had a name similar to mine but a different social security number now approximately 2 months ago, Equifax has decided to completely stop report my credit score completely. Because if they actions as stated above I have been denied credit and charged higher interest rates. 

I have been denied credit and have paid higher interest fees because of their misreporting and may take legal action if it is not remedied immediately. 

Include a copy of your drivers license, social security card, proof of address, and the attached screenshot. 

Please let me know if you have any questions. 

Highest Regards, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am the listing agent on a property that was to be conventionally financed by Citizens bank. This loan has gone over the 45 day closing period and at 60 days Citizens was still not ready to close and were completely avoiding contact with all parties ( including the borrower ). The loan office would NOT communicate with anyone ( including the borrower ) about the status of the loan. We went weeks without any communication and now they won't release the appraisal to the buyer/new lender. We have had to ask my seller for 3 extensions - he is still continuing to pay his mortgage through all of this. I should add, this is a $ XXXX plus contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had purchased a vehicle in XX/XX/2023. My first payment was due in XXXX. Ive paid on time every month sometimes early. In XXXX, I got new insurance through XXXX, and Automotive Credit. They ended up canceling my insurance for unbeknownst reason. ACC spoke to them and changed the policy. I got canceled and I never even knew about it. I corrected the situation when I found out about it. I went with another insurance company, because I couldnt get any answers on why they canceled me. ACC charged me {$450.00} for 15 days XXXX policy, unbeknownst to me. I paid early and apparently they applied my regular payment to the insurance charges and showing Im 15 days late. Ive advised that Im not paying that amount for XXXX weeks in lapse of insurance. They refuse to work with me. I asked for them to take off the charge, XXXX XXXX refused. She did take off a late charge and told me to pay the payment a day late so it wont be applied to the insurance. I would like that amount. To be taken off and my payment to be applied correctly. They call me every day for collection and want me to pay. XXXX stated that nobody can apply the payment correctly, if she could she would. I asked to speak to someone higher and she stated XXXX and XXXX will not talk to customers. I get that I was supposed to keep insurance but I was unaware, especially since XXXX took out a payment for XXXX and then they canceled it, no reason given. I had set up automatic payments for that reason. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The XXXX XXXX said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company XX/XX/XXXX & XX/XX/XXXX ' XXXX to dispute this account as a fraudulent account not belonging to me, after receiving a alert from my credit union that this account was opened in my name and showing up on my credit report. The account was opened XX/XX/XXXX. I didn't open this account and had no knowledge of this company. I disputed this account with all three credit bureaus as well as notified my bank. When I called the company ( CURACAO ) directly as noted above, they refused to talk to me, as my information/phone number did not match that of the account. Well wouldn't that be a possible indicator of fraud? Now the card holder is delinquent on her account, that's being reported on my credit report and it's causing my credit score to fall. I do not get any correspondence such as billing ( The bill does not come to my address that I've lived at for nearly 18 years ) due to this not being my account. Not only does my phone number not match this account, neither does my address match this account. Because it was obviously opened by someone other than me who did not have my phone/address information.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate reporting on my credit reports by XXXX, the U.S. Department of Education, and credit reporting agencies XXXX, Equifax, and XXXX regarding my student loan account ( Account No. XXXX ). XXXX has admitted in a letter dated XX/XX/XXXX that my account was transferred multiple times to : U.S. Department of Education Debt Management and Collections System ( DMCS ) FedLoan Servicing ( XXXX ) XXXX  These transfers were done without my consent or proper authorization ( SSA-89 form ) and constitute payment, satisfying the debt under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, this account is still being inaccurately reported as unresolved or delinquent on my credit reports. Key Issues : 1. FCRA Violations by Credit Agencies : Under 15 U.S.C. 1681i ( a ) ( 5 ) and 12 C.F.R. 1022.43 ( a ), credit agencies must promptly update or correct inaccurate information when evidence, such as a notarized adavit, is provided. Despite my submission of notarized documentation, they have failed to update the account as Paid in Full. 2. Name Change Not Updated : I legally changed my name to XXXX XXXX XXXX due to fraudulent and inaccurate reporting tied to my former name ( XXXX XXXX ). XXXX, Equifax, and XXXX have failed to update my legal name as required.
Product: Debt collection

Left vm in parents can that they were charging me with XXXX counts of fraud the phone number that showed up on caller id was XXXX county clerk of courts but number on cm call to resolveissue and not be charged was to call XXXX XXXX XXXX, then when I called them it went directly to there be no company name or employee name they returned call next day from now a Georgia phone number to call the same XXXX number when I called he was rude and his vm stated they would file for willful evasion. When I asked why they did n't send me written letter he stated he was not a collection agency so they did n't have to that he was a law office and when I asked company name he told me XXXX XXXX. He said I had balance on a pay day loan of {$350.00} but would settle today for {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not updated my credit report that my account is payed in full
Product: Credit card or prepaid card

XXXX XXXX, XXXX, notices account status is reporting as " transferred ''. This is incomplete information, as the account was updated after discharge, and should reflect as such. I was informed by creditor they were still attempting to collect a debt, which is impossible, since this account was discharged in XXXX, XXXX.