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

Hi XXXX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

These items have to be deleted due to these violations, I am also seeking compensation under the FCRA as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the beginning of the national COVID pandemic, I had an already booked trip through Affirm loan ( Booked through XXXX ). Travel was cancelled, lockdown began, we were not allowed to leave our house let alone TRAVEL. I was forced to cancel the Affirm loan but was unable to and it was suggested to reach XXXX and airline to get refund. 

As you know, during this unprecedented time, their phone lines were busy most days, companies were understaffed and it took weeks for me to reach a human to get support on this. 

Finally, after calling hours a day and reaching out on social media, I was able to reach XXXX and the airline to get Affirm refunded. I owed Affirm {$0.00} on that loan, as it was completely cancelled and refunded. 

I noticed a few months later that Affirm reported the payment as late. 

I reached out through phone and through social media as well as disputed the information through the credit bureaus. I even asked for a goodwill adjustment due to the forbearance programs the government offered during the lockdown/pandemic and each time this was denied by Affirm. 

Given the circumstances of the pandemic, the fact that I got them fully refunded, the fact that I am a loyal ( timely ) Affirm customer even still and more importantly the forbearance program regulations, I am disgusted out how they have responded to this. 

To my knowledge, the forbearance program through COVID states that no late payments are to be reported to the credit bureaus during the program/COVID.
Product: Credit reporting

XXXX ACCOUNT ON MY EQUIFAX REPORT SHOULD BE DELETED ITS BEEN SEVEN YEARS SINCE MY LAST PAYMENT THAT WAS ON XXXX 2009 WHEN I TURNED THE CAR BACK TO XXXX FOR EARLY TERMINATION OF MY LEASE THE OTHER XXXX CREDIT COMPANIES EXPERIAN AND TRANSUNION HAVE ALREADY DELETED XXXX BECAUSE IT HAVE BEEN SEVEN YEARS THAT PAST AND EQUIFAX IS REFUSING TO DELETE THIS ACCOUNT FROM MY CREDIT FILE I ATTCHAED A COPY OF MY EQUIFAX REPORT SHOWING XXXX AND THE DATE OF MY LAST PAYMENT
Product: Debt collection

I Provided XXXX insurance cards at time of service, returned to XXXX provided second copy of insurance, called XXXX three ( 3 ) times leaving voice mail requesting a call back. Emailed XXXX ( A Division of MST Financial Solutions, LLC ) once ( 1 ) via their website and called leaving voice mail twice ( 2 ). Did not receive a response from any attempts to contacts XXXX or XXXX After repeated disputes with XXXX on this issue, I finely received a call from XXXX. I informed XXXX of all stated above and that XXXX failure to bill in a timely manner if at all does not make this my responsibility and demanded that this be removed from my credit report. XXXX informed me it 's my burden to provide proof of coverage, which I sent yet again. I expected this to be removed from all XXXX credit agencies and they have taken little to no action to remove their fraudulent collections attempt besides sending me a letter stating they would.
Product: Mortgage

i AM A KEYBANK CUSTOMER MEANING I HAVE A CHECKING AND SAVINGS ACCOUNT WITH KEYBANK. 
KEYBANK SENT ME OFFERS ABOUT THIS COMMUNITY BASED MORTGAGE LOAN OPPORTUNITYTHAT WAS AVAILABLE WHERE YOU CAN ALSO GET A {$5000.00} CREDIT.AND NO DOWN PAYMENT WAS REQUIRED. 

i APPLIED FOR THIS COMMUNITY BASED MORTGAGE LOAN AND IT TOOK THEM WEEKS TO REPOND. MY APPLICATION WAS ASSIGNED TO XXXX XXXX. SHE ACTED LIKE IT WAS A BIG DEAL AND REQUESTED A LOT OF INFORMATION AND REQUIREMENTS. WHEN SHE FINALLY WAS WORKING ON MY ELEGIBILITY SHE RESPONDED BY EMAIL AND PHONE WHAT ELSE WAS NEEDED. ALSO, SHE ENDED UP SAYING ONCE SHE GOT MY CREDIT REPORT THAT MY DEBT TO ASSET RATIO WAS TOO HIGH, SAID THAT I HAD A MORTGAGE LATE PAYMENT WITHIN THE LAST 12 MONTHS WHICH WAS NOT PERMISSIBLE I GOT NO DOCUMENT SHOWING MY DEBT TO ASSET RATIO WAS TOO HIGH, I ALSO INFORMED THAT THE 12 MONTHS PERIOD WHERE THERE HAD BEEN A LATE PAYMENT WOULD HAVE ENDED THE END OF XXXX AND NOT FROM XXXX TO XXXX BECAUSE THAT WOULD BE 13 MONTHS AND THEY PAID NO ATTENTION. 
I BELIEVE THIS COMMUNITY BASED MORTGAGE LOAN PROGRAM DOES NOT EXIST AND IT IS OFFERED TO ATTRACT CUSTOMERS.. THE WHOLE ORDEAL WOULD BE PRODUCT FRAUD AND LIES. 
XXXX XXXX GOT ME APPROVED FOR ANOTHER MORTGAGE LOAD THAT REQUIRED A DOWNPAYMENT OF AT LEAST 5 % AND NO {$5000.00} CREDIT. WHICH I HAD NOT APPLIED FOR. 
THEIR MORTGAGE LOAN APPROVAL LETTER AND OTHER INFORMATION SENT TO ME BY EMAIL REQUIRED THAT I ALSO GET A RENTAL AGREEMENT ON MY CURRENT HOME AND TURN OVER RENTAL DEPOSITS TO KEYBANK. 
I WAS THINKING ABOUT RENTING MY CURRENT HOME IF I WAS ABLE TO GET A SMALLER HOME UNTIL IT COULD BE SOLD AT A REASONABLE PRICE EVENTUALLY. BUT THIS BANK WANTED CONTROL ON ALL MY MONEY AND DEALING WHICH IS ILLEGAL AND FRAUD IS ILLEGAL. 
FINALLY WITH ALL THE DELAY AND PROBLEMS THEY CREATED I LOST THE PROPERTY THAT I WAS INTERESTED AND IT WAS SOLD TO SOMEONE ELSE. 
THE ACT OF FRAUD NEEDS TO BE PUNISHABLE BY LAW.
Product: Debt collection

I noticed a new credit card appear on my credit report in XXXX with the title SYNC/PPC - after some research I found out it was Synchrony PayPal Credit Card that had been opened in XXXX. I did not open this card and so I called Synchrony to work with them as to a fraud claim. The information that was given was in my maiden name and at an address that I have not lived at in at least 15 years. I had no idea of the balance of the card or what it has been used for. The three credit bureaus removed it from my account and closed my dispute. On XX/XX/XXXX I received a letter from Synchrony Bank stating that they were unable to approve my fraud claim because : " You authorized, participated in, or benefited from the purchase. '' and " Payments have been made by you on this account. '' Neither of these statements from Synchrony are true. I have never authorized the use of a card that was fraudulently opened and I have never made any payments to an account I didn't know existed. I called Synchrony and they told me to get a Police Report and maybe they would re-open my claim.

I am extremely angry that Synchrony is holding me liable for {$3300.00} for an obvious case of identity theft and fraud. I have contacted the XXXX XXXX XXXX and will be filing a report but I also want Synchrony sanctioned as its obvious that they did not investigate the dispute properly and are now using my inquiry as to what this account was as an attempt to collect a debt not owed by me.
Product: Money transfer, virtual currency, or money service

Company : Coinbase In XXXX of XXXX I opened an account with Coinbase to invest in Bitcoin. I invested money with Coinbase over the past 8 months. At the end of XXXX XXXX locked my account ( unable to buy/ sell or close the account ). I got an a e-mail that " I was too young to have a account with them and to contact their support team. I am XXXX XXXX XXXX and born in XXXX. I emailed them and got no response for 5 days. I finally got a e-mail back that said they would look into it and get back with me. No response for the next week. I called their customer support number and after being on hold for over one hour was told that they have given my concern to the support team and they would contacdt me. One more week went by. I called them again last week ( after being on hold for over one hour ) and again told there was nothing they could do and they were behind and they would get back with me. One more week has passed with no contact from coinbase. They have all my money but have locked me out and will not help me solve the problem after 3 weeks of trying to get help.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to formally request the immediate blocking and deletion of the fraudulent account listed below from my credit report, as provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5100.00}
Product: Money transfer, virtual currency, or money service

Ihave been scammed through Cash APP.
Product: Credit reporting or other personal consumer reports

Under FCRA 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of all disputed information and delete or correct any information that is inaccurate, incomplete, or unverifiable. Failure to do so may constitute a violation of federal law. Please provide me with documentation verifying the accuracy of this information, or delete/correct it from my credit report in compliance with the FCRA.

I am aware of recent CFPB investigations and lawsuits regarding inadequate dispute procedures by credit reporting agencies. In light of these developments, I expect Equifax and Experian to fully comply with its legal obligations to conduct a thorough, individualized reinvestigation of my dispute, rather than any cursory or automated process that fails to verify the accuracy of the information in question.
Product: Debt collection

KNOWLY PROVIDING FALSE INFORMATION TO CREDIT ALL 3. THIS ACCOUNT IS BEING FALSELY REPORTED BEING OPENED ON XX/XX/2019. THAT HAS A HIGH IMPACT ON YOUR CREDIT UNDER 2 YEARS. THEY XXXX WERE BOTH REPORTING THE SAME INFORMATION AT THE SAME TIME FOR YEARS.
Product: Debt collection

I contacted by phone, XXXX XXXX XXXX # XXXX out of XXXX, NC on XX/XX/2018 Talked to XXXX ( recorded ) after I found out that Company placed a collections for {$1100.00} for a XXXX   Bill on my credit reports. I let her know that this was not my debt/account. I have no contract with XXXX. Please send me written proof ( copy of contract ) also to remove it from my credit report. I was told she would contact me later after letting her supervisor know what was going on. I heard nothing else from them. Today ( XXXX XX/XX/2018 ) I received from a new collections group, XXXX XXXX XXXX ( ERC ) out of XXXX, FL. I called and talked to XXXX ( again Recorded ) I explained again that this was not my account, but she didn't want to hear that, she told me they collect the money. The amount was for {$1100.00} for the XXXX account. I again asked this company to show proof. Its not in her wheelhouse they just collect. She wasn't going to argue basically its my problem. Me asking how you think I should give you money I don't owe is arguing I guess, instead of trying to help me. She said " we will report it to the Credit Bureau 's in XX/XX/XXXX '' I think she said on the XXXX. I said its already on my report and she said " Not by us! '' She did tell me how she would send me a fraud paperwork packet and I would need to call the police and get a report and all kinds of things for me to do. How about you showing me proof FIRST. This is not fair to demand my money without proof its owed.

I know that collection Agencies purchase debt to collect from others. They are not verified!!! That is now two different collection companies that have and is now, not verifying the owed debt of of person before destroying their credit.
Product: Debt collection

Called an ex husband of 10+ years stating that they needed to locate me, XXXX, I have not have contact with this person for a very long time.. I called the XXXX contact number that global trust management llc used and informed them not to contact any other number than mine, they again called again under a different number and did the same thing, XXXX XXXX is the one who keeps calling, I against XXXX called her and informed her once again only to call my personal phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

This occurred from XX/XX/XXXX-XX/XX/XXXX The company is XXXX XXXX XXXX XXXX Oregon They have reported us as in a foreclosure, and although one credit agency has deleted it as erroneous, it remains on the other 2. 
This caused my wife and i a 15 yr refinance, and a lot of time and money. XXXX has refused to remove the erroneous foreclosure from our credit, and it is ONLY thing in over 30 years we have negative on reports. 
We have written them, called S them ( XXXX ), and even had a credit helping agency work on our behalf, but XXXX will not remove it, and it is false and erroneous.
Product: Checking or savings account

XX/XX/XXXX I made a large deposit at chase bank. 2 checks payable to me. One for {$10000.00} and another for {$15000.00}. 
XX/XX/XXXX i was told the funds would be available. In the app, it showed an available balance of XXXX. But i still had no access to the funds. I called chase customer service. Chase put my account in restriction. They told me the checks could not be verified through their system, and that one of the checks had been altered. I complained to them about arresting my earned income from direct deposit and that I was expecting a child support payment. Some one made a note on my account about an ach payment that I should be allowed to withdraw at the bankers discretion. I eventually did withdraw the ach payment. Also the check for XXXX, was verified. 
XX/XX/XXXX chase attempted to verify the phone numbers. Again! For the check of XXXX I go to a local branch and speak to 2 bankers who seem confused about why chase is having issues with verification. They call customer service and CS tells them they will hold the money indefinitely. 
XX/XX/XXXX After 10 days of my account being in restriction chase closes the account. 
XX/XX/XXXX local branch manager tells me chase closed my account, I will be receiving 2 checks. One for the direct deposits of my an my mis ands income, and onefor the XXXX. I received them. 
XXXX receive a cashiers check in the mail for XXXX XX/XX/XXXX I receive a cashiers check from chase for the XXXX XX/XX/XXXX. The XXXX still arrested with no hope of verification. 

The checks for XXXX XXXX was presented for payment on the XXXX of XXXX by chase to XXXX bank. And XXXX released the funds to Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter ( XXXX ) and I haven't received a response. What am I supposed to do to resolve this situation? This company XXXX XXXX  has closed my account, charged it off, and ssold it but they are still reporting that I'm late every month! They said my monthly amount is {$0.00}, but they're reporting me every month on this closed account, and they're trying to get paid again by doing this. This is false and inaccurate information they're reporting. 

I found out that in the Fair Credit Reporting Act, section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason immediately remove those items from my credi report, its been over 60 days so they should be deleted immediately. If they're not files as soon as possible I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got iinto the hands of the wrong person.
Product: Credit card or prepaid card

1 ) I purchased a train ticket for XXXX 
2 ) My connecting transportation was delayed and consequently I missed the train.
3 ) I dispute the transaction with barclay, give details and wait.
4 ) After 2 months of waiting, I call Barclay and ask for an update on the dispute. 
They inform me the dispute is over and the the provisional credit is now permanent. 
5 ) 1 week later I receive a letter in the mail saying I lost the dispute and have to pay the XXXX 
6 ) I speak with Barclay twice and to a manager. They refuse to do anything for me.
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 Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX . 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 : Payment was made within the 15-day grace period : My payment for XX/XX/XXXX was made on time, which falls within XXXX XXXX standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Upon reviewing my account, I identified that my payment, which was made on time, was incorrectly marked as late due to an internal clerical error by XXXX. This error led to an inaccurate 30-day late payment report.

Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time. This documentation demonstrates that no delinquency occurred.

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 XXXX
Product: Prepaid card

My chime credit builder card was used without my permission for purchases a auto premium purchase on XXXX XXXX for XXXX XXXX purchase on XXXX XXXX for XXXX atm withdrawal on XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX family dollar XXXX XXXX XXXX churches chicken XXXX XXXX XXXX called a told them my credid card was used without my knowledge and i filled complaint on XXXX XXXX when i realized my card was gone i checked my acc and found it was money taking on same day i filed the dispute the company sent me email saying because of regulation XXXX i dont get provisional credit and then XXXX hours later I get email saying they finished there investigation and found it was not unauthorized purchases but I told them that the card can be used without a pin if you use it as credit how can they be done with the investigation the same day i file it i dont believed they did a far investigation on my case So the company is not doing what they told you they would I got several emails from one of the merchant I disputed and the merchant told me they sent money back to chime per their request for refund due to fraud so I've been trying to get someone to answer me as to where the refund is the company supposedly did the refund last month on XX/XX/2023 but I still don't have it
Product: Checking or savings account

I disputed two transactions for purchased items, but the vendor never sent the items. 

The first dispute XXXX XXXXXXXX was filed on XX/XX/XXXX, it was just closed XX/XX/XXXX for the amount of {$29.00} The second dispute XXXX XXXXXXXX was filed XX/XX/XXXX for the amount of {$30.00} and has yet to be updated. 

When I call, they are unable to provide any updates.