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

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( XXXX ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; 1. Inaccurate Payment Status XXXX XXXX XXXX Account Number : XXXX Please Change Payments Status Too Paid as Agreed or OK. 

2. Fraudulent Account Reporting XXXX XXXX, XXXX. 
Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Dear XXXX : I am writing to dispute the following information in my credit report. These items I 'm disputing also are listed bellowed. As well I have attached copy of my credit report reporting so that you could see the account information individually. 

This item I 'm disputing are student loan that have appear on my credit and they are not mine. I have file several complain to CFPB each account sparely. In addition I had file several complain to XXXX directly and the respond was my entire Loan are paid in full there are no other loan from any of the other agency pending. The answer is the account is not there 's. What you are reporting is inaccurate or incomplete. I am requesting that the item be deleted and to correct the information. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters and ( delete or correct ) the disputed item ( s ) as soon as possible. I have attached copy of all the correspondence regarding this issued. 

( 1 ) A copy of my credit report on each account for XXXX ( 2 ) Letter from XXXX XXXX XXXX XXXX Discharge XXXX ( 3 ) Letter from XXXX XXXX/XXXX/XXXX XXXX XXXX Loan Discharge ( 4 ) Letter from XXXX XXXX/XXXX/XXXX XXXX XXXX Discharge ( 5 ) Letter from my Attorney in XXXX/XXXX/XXXX ( 6 ) Complain report from CFPB ( 7 ) Correspondence from XXXX XXXX XXXX ( 8 ) Correspondence from XXXX Unfortunately these institutions have not provided me with accurate information. In addition the XXXX took this entire loans with out my consent. They lied they said it was scholarship not needed to be repaid. 

What I do n't understand if I submitted all the documentation that was request of me for the XXXX on time in XXXX. Why I 'm dealing with this nightmare still 8 years letter. 

Furthermore XXXX was able to process my application plus report to the Credit Bureau that Loans were paid as agreed close. Why do the other agencies report I was XXXX default? Along with loans benign open send to collection and late. Why are they still open it should be close? In addition it has been 8 years seen this Loan were reported to the Credit Bureau. And how many centuries do they need to solve these problems. 

To solve the problem, I will appreciate your clarification and explanation on every single loan that appear on my credit report. My Understanding was that XXXX took XXXX loans and the XXXX Paid and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I have enclosed copies of all my records correspondence. 
At this point I 'm very confuse as to why all this offices within the XXXX are reporting inaccurate information. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I purchased a XXXXXXXX XXXX. Due to the XXXXXXXX XXXX being discontinued, I was issued a refund of {$100.00} on XX/XX/XXXX to my Chime bank card ending in XXXX. The refund was issued to XXXX, who then sent it to my bank. The account associated with the card ending in XXXX is still active, but the card itself is inactive. 

I contacted XXXX to try to trace the payment, as I had never received it, and they provided a transaction id. I then contacted Chime to trace the payment and have been trying to resolve this with them ever since. They have told me various times that they have no record of the refund or even the original transaction, even though the original purchase is viewable on my Chime portal. I have asked by phone and via email for assistance and have been told they will not/can not assist. 

Additional background : Another refund from XXXX for {$19.00} was sent in XX/XX/XXXX, and that went through with absolutely no issue ( for the same card ). 

The attached email is one of many, I have been pleading with Chime to find this refund for over a month.
Product: Debt collection

I was fixing my credit report it had been 7 years since my problems started. when I started disputes with credit bureaus collection agencies started sending letters they had n't before then. I wrote letters to original creditors some no response. XXXX, XXXX, XXXX XXXX Banks and XXXX of XXXX XXXX XXXX banks ( I had XXXX of the XXXX that are reported others duplicate had XXXX XXXX XXXX card then another XXXX was sent with name changed to XXXX XXXX XXXX XXXX. ( they took no accounts off my report but changed info. to closed no missed payments All accounts were sold to other companies after wrote off. This is when collection agencies began letters to me and changed all the opening and closing dates. I do n't no where dates came from could be made up or dates they bought my contracts but I have bank statements proving there wrong but bureaus took there dates as true only way they could prove those dates would be to falsify there records. Their hurting me by keeping my credit bad an it stops me from getting medical help I need. I do n't have cash for all I need so I need credit
Product: Mortgage

Flagstar Bank continue to keep my tax escrow. In XX/XX/XXXX I was awarded 100 % disable veteran status. I contacted the tax assessor in XXXX XXXX to advise of the veteran status of 100 % and was told starting XX/XX/XXXX I will no longer be required to pay real estate taxes for my property. I mail and faxed a copy of the letter from XXXX XXXX tax assessor office advising Flagstar on the change effective XX/XX/XXXX in which the escrow department acknowledge receipt of the documents. My escrow account was reanalyzed in XX/XX/XXXX and I receive a letter stating my escrow account would be short and in XX/XX/XXXX my payments would increase even though my real estate are no longer required by XXXX XXXX tax assessor. Since XX/XX/XXXX my payment increase due to the escrow shortage and the payment include real estate tax which are no longer required. I've never received any of the excess overage from my escrow account for the 2021 year. I've paid all my mortgage payments and have never been late however my escrow funds are still collecting for real estate taxes. It is illegal for mortgage companies to keep escrow funds and not accept the tax exempt from XXXX XXXX, FL. I would like my excess real estate amount as well the account needs to be re-analyzed to remove the real estate taxes asap and not wait until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are continuing to report duplicate account that have been paid in full and should not show on my credit report.
Product: Money transfer, virtual currency, or money service

They said it was a security measure and that FDIC requires that we give them our social security number to verify we have cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX continue to report a collection account from XXXX XXXX XXXX. I have never had any business with XXXX, was never alerted they were trying to collect a debt or anything. I moved out of an apartment serviced by XXXX XXXX. When I found out I owed them money, I paid them. I was never contacted for collections by XXXX or XXXX. I just ended up paying XXXX but XXXX continues to report. I would like the XXXX collection removed from my credit. It is damaging my Fico scores. Just reporting to the credit bureaus without any attempt to first contact and resolve a debt is shady business practice.
Product: Checking or savings account

My CD matured. Synchrony bank did NOT give my money on the maturity date ( XXXX ). After many telephone calls, this notorious XXXX bank ( I am a non white XXXX citizen ) gave my money on Tuesday ( XXXX ). This Corrupt and XXXX bank did not give me, as promised on telephone several times, XXXX day extra interest. 
Synchrony bank must, immediate credit the XXXX day interest, based on {$7200.00}, to my high yield synchrony account, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting a debt on my credit file that is not mine. I was only an authorized user on this account, and I have been removed off of this account for quite some time now. This needs to removed off my credit file.
Product: Credit card or prepaid card

Good morning, I have requested a copy of a convenience check wrote from bank of the west. It is a balance transfer check. The check was cashed. I need a copy of the check for litigation.. Bank of the west states they can not find a copy of the cancelled check. If he bank can not provide me a copy of the check the charge should be cancelled? 
I need your help to get a copy of the check. the check was cashed XX/XX/2022. bank of the west states they can not help me. 

We are unable to locate check # XXXX for {$1200.00} on your account. 

This can not be true. Can you help me resolve this problem?
Product: Checking or savings account

I hired a contractor to remodel my home, filled out a contract and initiated the work with handing him a check in the amount of {$20000.00} on XX/XX/XXXX. The check was then cashed by Bank of America and was never endorsed by the recipient on XX/XX/XXXX. This was done unbeknownst to myself. The next check given in the amount of {$10000.00} was given to this contractor on XX/XX/XXXX and cashed by the bank, again without endorsement on XX/XX/XXXX. I am asking that the bank responsible for this be responsible for my money -- as I have been left homeless and without a penny, since this contractor cashed the checks and disappeared. This case has been handled by the county, city police and so on and I am asking that you too take action and claim responsibility for this bank issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now, I am sending my CFPB complaint to notify you that I am not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be deleted. These items has several errors. Under the Fair Credit Reporting Act, Im going to request proof of written removal. You are reporting false information and I believe the company is violating Sections 605b of the FCRA. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX  XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/19 I entered into a repayment agreement with Barclays to pay $ XXXX/mn on my account. I paid them {$160.00} on XX/XX/19 & set it up on an auto pay for the XXXX of the month, when the bill is originally due. I made sure to specify they were to take out $ XXXX/mn only. On XX/XX/19, Barclays not only withdrew {$1000.00} from my checking acct, but they set up their own auto pay in the amount of " other ''. On XX/XX/19, I received a notice from my bank that I had used the overdraft on my account. After investigating, I saw that Barclays had removed the {$1000.00} without my consent & had set up an auto pay of their own to be withdrawn on the XXXX of each month in an undeterminable amount. I immediately contacted Barclays. The customer service agent told me that I had set that auto pay up & authorized the withdraw of {$1000.00}. I talked to XXXX, a supervisor, who advised me that it was a computer glitch. She said it would take 25 days for them to investigate. I contacted my bank, talking to XXXX. She started the process of disputing this withdraw, saying it would take 10 days. On XX/XX/19, I received the {$1000.00} back into my account. Barclays shows the transaction on their end as " an unauthorized cash advance. '' While I have received the funds back, I have been charged with overdraft fees in the amount of {$180.00}, late fees from the gas company, mortgage company & a couple of credit card companies as well as return check fees from the same companies. This would not have happened had Barclays not removed the funds from my account on XX/XX/19. I removed my bank account from my Barclays account. I received the email confirmation for the {$160.00} auto pay AND for another auto pay with the amount " OTHER '' where the payment would be.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to convey my deep disappointment regarding the inaccuracies and omissions found in the information provided on my credit report. The data provided for the mentioned accounts is insufficient for proper validation, and I urge you to promptly take action to remove them from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It's perplexing to me that while other credit bureaus have successfully removed these accounts from their records due to identified errors, you have somehow verified them. I urge you to rectify this discrepancy by expunging these entries from my file, as they are either inaccurate, erroneous, incomplete, or unverifiable. 

I expect a comprehensive investigation into these matters, along with any supporting documentation utilized to validate these debts. According to my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. 

Your persistent failure to adhere to FCRA guidelines and disregard for my rights is unacceptable. I demand the prompt removal of these items from my credit report, as they fail to meet the necessary criteria for accurate reporting. Any further delay or disregard of my rights will result in legal action against your organization. 

It is imperative that you address this matter promptly. I anticipate your compliance with FCRA guidelines to ensure accurate reporting.
Product: Debt collection

Companys did not send requested info please delete account immediately. I will attach what I asked for
Product: Credit card or prepaid card

I have had a XXXX Extras Mastercard to go with my XXXX account for almost 15 years now. My account has ALWAYS been maintained in good standing. Sometime between mid XXXX and XX/XX/XXXX, my XXXX master card was unlinked from my XXXX account. In addition to that, my payment for the statement date of XX/XX/XXXX ( {$1700.00} ) that I set up ahead of time for XX/XX/XXXX was never shown as being withdrawn from my bank account ( which I directly linked to XXXX anyway ). This has become urgent because I am nearing my credit limit due to home improvements. I have made multiple phone calls to have both problems corrected ( XX/XX/XXXX on phone for 1 hour and transferred to 8 different operators, confirmed my XX/XX/XXXX payment scheduled and account to be relinked within 4 days ; XX/XX/XXXX, confirmed my XX/XX/XXXX payment scheduled and advised to wait another day to see if payment posts and account links ; XX/XX/XXXX, confirmed my XX/XX/XXXX scheduled payment was not processed and advised they have no idea why I can not access my credit card account through their website ). XXXX operators confirmed my payment was scheduled for XX/XX/XXXX from my bank account that is also linked to my XXXX account, which has sufficient funds to make the payment. None could tell me why the withdrawal was not made. I even requested that the payment be made over the phone using my bank account, but I was told she did not have the authority to do that ( ok I get that ). The operator 's employee number is XXXX. Worse, I can't make the XXXX or XXXX payments because I can't access my Extras account! NO PROGRESS ON EITHER matter after all this time. I get passed from one operator to the next, and I was last told this will be forwarded to an account " supervisor. '' I have submitted complaints to XXXX XXXX online, XXXX online, and MasterCard online, as well. At this point, I'm worried that 1. my points I've accrued are gone, 2. my credit report will no longer show my longest credit account in good standing, 3. I'm being charged interest through no fault of my own. Customer service used to the best, which is why I stuck with XXXX Extras for so long. Since the XXXX XXXX took over, customer service has gone DOWN THE TOILET. Please HELP! To make matters worse, I have no access to historical records of my account to do the removal of the credit card from my XXXX account. I have not received any emails from this company for months to notify my about my monthly statements or account updates, despite having an active email account at XXXX for the entire time I've been their customer.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXXXXXX XXXX XXXX
Product: Credit reporting 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX 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

XXXX XXXX XXXX is reporting medical debt on my credit report. I do not recognize this debt, did not agree to pay this debt, and also did give consent to XXXX XXXX XXXX having my medical information. I have sent a letter to XXXX XXXX XXXX  and have not received a response in over 30 days. I am aware that XXXX XXXX XXXX has 30 days to provide me with all requested findings, and if they are unable to comply within the confines of the FCRA, I will expressly expect all items to be promptly deleted. 

XXXX XXXX XXXX  : Opened XX/XX/year> ( {$1100.00} ) Original letter ( attached below ) was sent XX/XX/year>. It is XX/XX/XXXX, WELL OVER 30 DAYS AND I HAVE RECEIVED NO RESPONSE NOR DELETION. 

Very possible that this could be an account error resulting as an extension of the Equifax breach.
Product: Vehicle loan or lease

XX/XX/XXXX Please refer to my previous complaint # XXXX against XXXX XXXX. 
XXXX XXXX over charged me twice the value of the XXXX XXXX XXXX XXXX-12 year old car with high mileage. 
I want a refund. {$280.00} x 10 payments= {$2800.00} plus {$1600.00} down payment is {$4400.00}. I have paid and over paid for the car is not fully loaded and no full tank of gas. 
The car is only worth {$4300.00} for fully loaded on XX/XX/XXXX. 
I want a re-write of the car loan at a lower rate of interest.

Auto Dealer fraud. Unfair business practices. I have been robbed.

The car loan is invalid. 
I have not heard from the dealer. Dealer has not responded to the AZ Attorney General. 
Please read attached.
Product: Credit card

They closed my account for supposed fraud. They never reached out to me about any information regarding my account. I didnt not report anything to them as my account was in good standing. I did not ask for my to be close nor did I give any authorization.
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 items XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$2600.00} XXXX XXXX XXXX*Balance : {$14000.00} FST XXXX XXXX Balance : {$450.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/2022 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX