23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I filed a dispute for a XXXX account that was discharged through Bankruptcy. Bankruptcy was filed in XXXX XXXX and Discharged on XX/XX/XXXX. I did this with all XXXX Credit Bureaus. The only XXXX I am having a problem with is Experian. After they incorrectly updated the account to show a late payment in XXXX of XXXX and changed the Bankruptcy Date on just that account also to XXXX XXXX. So I called and was very polite, but the person would not even try to listen, only file another dispute. This is Experians fault, not XXXX. It is correct on XXXX and removed from XXXX. So I copied the report, circled the false information that is negatively affecting my Credit Score, the False late Payment showing as XXXX XXXX for a account that has been closed since XXXX and included in Bankruptcy in XXXX and discharged again on XXXX/XXXX/XXXX, but they have listed as included in Bankruptcy XXXX XXXX. On the full report it shows my actual Bankruptcy date of XXXX. I asked them to please correct the incorrect information they entered and to PLEASE NOT ADD ANOTHER LATE PAYMENT FROM A DISPUTE and to of course fix the incorrect Bankruptcy date listed only on that account, and to send me proof of the non existent late payment. They just sent me my new, " updated report '', no proof, now showing a late Payment for XXXX of XXXX and they also changed the Bankruptcy to XXXX of XXXX. So basically the issue is they put now XXXX incorrect late payments and XXXX incorrect Bankruptcy dates from a Dispute. I am sorry for saying the same thing over but I want to be sure you understand. They apparently did n't. I had a account with XXXX that was closed in XXXX of XXXX, and included in Bankruptcy filed in XXXX. When I disputed the charge, which again i did with all XXXX Credit Agencies, they were the only ones who listed it incorrectly so I know it is not XXXX doing. It was a mistake that they refuse now to fix. I have worked hard since my Bankruptcy and have no late payments and a Credit Score of XXXX and it was rising. Now they listed a false late payment for XXXX of XXXX and XXXX of XXXX. They changed the Bankruptcy Date first to XXXX of XXXX to now XXXX of XXXX from the true date of XXXX of XXXX. I truly hope to get the XXXX False Late Payments that they refused to send me proof of as there is no late payment anywhere, and correct the Bankruptcy Date. My Credit Score, with Perfect Credit since my Bankruptcy was climbing monthly until they did this and now there false info is hurting my Credit Score and my ability to obtain Credit on my true Credit Standing. I am attaching documents. One I have to do from computer and sorry it is sloppy. The false late payment shown. I again have XXXX late payments and they refused to send me proof that I do. They put a late payment over a dispute. Account closed in XXXX, discharged again in XXXX, they show XXXX with late payment. Sorry. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO CLAIM # XXXX -- - UPDATE TO CLAIM # XXXX -- - UPDATE TO CLAIM # XXXX -- -- -- -- - EXPERIAN IS IN WILLFULL NEGLEGENCE AND NON COMPLIANCE IN DIRECT VIOLATION UNDER THE FCRA UNDER 15 USC 1681i ( B ) Extension of period to reinvestigate -- -- Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. -- -- -EXPERIAN HAS NOT RESPONDED, VERIFIED in over 60 days if the initial dispute!!! -- -- -- -Under 15 USC 1681i ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. -- -- -- -- -- -EXPERIAN IS OBLIGATE TO DELETE THE REQUESTED INFORMATION DUE TO FAILURE TO PERFORM WITHIN A TIMELY MANNER.
Product: Credit card or prepaid card

Two negotiable instruments were accepted and processed by Best Buy but they have not adjusted the account balance and have restricted my credit unfairly.
Product: Credit reporting or other personal consumer reports

The debt Collector has not provided me proper debt validation for this alleged debt. I requested verfication/validation of the alleged debt and requested a copy of the contract of agreement on XXXX all they did was updated the date to current. XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a Toolbox online combo ( upper, middle and bottom ) Toolbox. The Toolbox was not heavy enough for my needs. ( I am a XXXX ) I ordered another combo Heavier than the first one. I returned the first one to the store where I picked it up. ( saving shipping fee ) The credit was first put back on my card but was taken off again saying that I did not proof it was returned.The store said that they wanted proof it was paid for after repeated times to resolve this I keep getting the run around. This was a SEARS MASTER CARD.

I ended up getting a loan to pay this card and another card off.

( sick of dealing with the XXXX XXXX  ) The amount that should be returned is {$320.00}. Before this SEARS tried to take {$500.00} off my card but ended up putting it back on.The SEARS store where I picked up the Toolbox combo is not help ( just making it worse ). I have reached the end of patience with dealing with SEARS. I would like to get the amount of {$320.00} back. I closed the account so no more funds be stolen from me but that info is still on my computer.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries.

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, credit repair services, or other personal consumer reports

My mortgage payments were placed on forbearance by my mortgage company from XXXX XXXX XX/XX/XXXX due to a natural disaster. On XX/XX/XXXX category 4 Huricanne Ida hit Louisiana and destroyed our home. Once I contacted the mortgage company they placed my account on forbearance starting XX/XX/XXXX. However my credit report is reflecting 120 days past due for the months of XX/XX/XXXX and XX/XX/XXXX. Also the balance on the account is reflecting {$35000.00} when the balanced owe is {$33000.00}. This is a serious violating on my consumer rights according to FRCA this violates my rights for inaccurate reporting.
Product: Credit card or prepaid card

Balance transferred ( via mai l ) f rom  XXXX  Bank to Citibank on  XXXX / XXXX / 17  remaining principal of {$9200.00} prior to 0 % interest offer expiring on  XXXX / XXXX / 17  (  1st a ttachment ). Citibank did not post the balance transfer ( see Complaint  XXXX  ). Paid minimum payment of {$130.00} to  Citibank for billing cycle that balance transfer was to pay-off. Reissued balance transferred ( via mail ) from  XXXX  Bank to Citibank o n  XXXX / XXXX /   17  remaining principal of {$9100.00}  ( 2nd att achment ). The second at tempt Citibank did post the balance transfer, thus fulfilling the remaining principal. Called Citibank to have them close my account and reverse the late fee ( s ) and interest, but as the last two attached statements show, they did not do the reversals. The account has now been closed, but the statements still   show late fee ( s ) and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX HAS INQUIRIES ON MY CREDIT REPORT THAT IS NOT MINE : INQUIRIES : XXXX XXXX XXXX-NOT MINE XXXX/-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX & XXXX XXXXNOT MINE XXXX -NOT MINE
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. Despite multiple attempts to remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. 

I would like to provide a summary of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. Immediately, I reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 

Subsequently, I have made numerous attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraudulent items on credit reports. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove these fraud items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX
Product: Mortgage

Loan began XXXX 2009. Original note : XXXX. Appraised value : XXXX. Conventional loan. Never missed a payment, auto withdrawal from bank acct. I have contacted BofA numerous times over the last 6 yrs attempting to have the PMI dropped. Customer service has given me many different responses, including it will NEVER be done. Last person I spoke to 18 months ago told me to wait for about a year and my loan balance will then drop to less than 78 % of original amount, and it would AUTOMATICALLY be dropped. I waited 12 mo, called back, only to be told to wait a few more months. In the meantime, each call generated a letter to me advising me that I would need to have an appraisal done to have the PMI dropped, and that even then, the bank has the option to refuse to drop it. WHAT? What happened to the FEDERAL LAW that states the bank must terminate the PMI when the loan is less than 78 %? Today, I called AGAIN and was now told that the bank does NOT have to terminate it automatically, that I have to REQUEST it, and all they can do is send yet another letter telling me I need to pay $ XXXX for an appraisal that BofA may reject!! How can they get away with this? What I want is the PMI to be TERMINATED per Federal Law. I want reimbursed for any PMI they charged me for since the TIME my loan met the Federal Law requirement.
Product: Checking or savings account

I opened up a TD checking account online on XX/XX/XXXX and received a confirmation email stating that everything was ready to go. 

On XX/XX/XXXX I transferred my payroll and several auto-pay accounts to use my TD checking account. 

On XX/XX/XXXX, I visited the XXXX XXXX branch at XXXX XXXX XXXX and spoke with XXXX XXXX to deposit cash into my account. During this conversation, XXXX alerted me that my account had been placed on hold because TD wanted to verify it was really me that had opened the account. This would automatically decline any payments made from my account. 

XXXX explained she had added notes to the system to remove the hold and that she would call me to confirm when the hold had been removed. She did not call back. 

No digital communication had been given to me about this issue. In fact I had received confirmation that my account had been successfully opened and funded on XX/XX/XXXX. 

This cause an auto-pay from XXXX to be declined. I am now being assessed a penalty by them due to TD Bank not communicating that this hold had been placed in my account. If they had done so, I would have maintained the XXXX auto-pay with my old checking account at XXXX.
Product: Vehicle loan or lease

Because Automotive Credit Corporation keeps XXXX documents they lost a payment of mine And repossessed my car early XX/XX/XXXX of this year. I had to pay {$1800.00} to get it back. I was told next payment was XX/XX/XXXX which should have been due XX/XX/XXXX. Unbeknownst to me since I got my repo car back on XX/XX/XXXX, the new due date became the tenth so on the XX/XX/XXXX I began getting calls. I called on XXXX and informed of the change. The most cost effective choice to minimize processing fees was to arrange an electronic fun transfer on my Next payday XX/XX/XXXX to cover two payments totaling {$700.00}. Woke up XX/XX/XXXX to car being repossesses from my back yard. I called and showed receipt and they said they voided the ECT payment cuz they had no record of my call though they had record of payment arrangement and I emailed a screen shot image of my call and call time. They refuse to correct this and say I owe {$1000.00} and now need a cosigner to get my car back or property out of my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed the alleged debt with the debt buyer by the name of NCB management. They have attempted to validate this alleged debt and will not provide me with verification that I owe this debt. A signed loan agreement, signature and identification used to obtain credit. The furnisher by the name of NCB is attempting to collect a debt on a charged off account, and also they do not have a certificate of authority to due business in the state of Georgia, I have disputed this debt several times. 
NCB management or NCB are both reporting to XX/XX/XXXX and XX/XX/XXXXunder different names, both names of business are non compliant to do business in Georgia. 
Also, they are reporting an open account on a charged off Item.
Product: Checking or savings account

I closed my Capital One Bank account around XX/XX/2020. A check in the amount of {$23000.00} was supposed to be mailed to me. 

According to Capital One Bank 1. Capital One Bank mailed the check to a wrong address 2. when the check never got to me Capital One Bank setup a case and told me they had a month to respond 3. after MANY phone calls by me to follow up, I was told by the bank that my case went to the wrong department in Capital One Bank. I spoke with numerous bank representatives along the way, none of whom would provide their last name. I explained the financial hardship this was causing me. 
4. Capital One Bank told me that they could not email the forms they needed, that I had to wait for another case manager 5. I was assigned another case number and on XXXX received an email with the affadavit form and fax instructions on XXXX from " XXXX '' case # now XXXX. 
6. I had the form notarized and faxxed to Capital One Bank on XXXX XXXX. by XXXX XXXX no check had arrived, so I called XXXX at Capital One Bank and left a message asking for a call back phone number XXXX ext XXXX XXXX by XXXX no check had arrived and XXXX had not returned my call. I called his extension and a recording told me that extension was not in service 9. on XXXX I called the bank again and spoke with " XXXX XXXX who took my information and promised to get back to me by XXXX. I explained the financial hardship this was causing me. 

PLEASE let me know what else I can do in this situation. I was a customer of a local bank for over 30 years before they were purchased by Capital One Bank. It's outrageous that a bank can hold my money, send a refund check to a weird address, and then stonewall on providing the forms. I have spend over XXXX hours on the phone, and am still waiting for my funds. 

Thank you kindly for any help or advice you can provide. 

XXXX XXXX XXXX XXXX
Product: Prepaid card

I received a gift card from a friend worth {$350.00} and when I opened the card 4 out of 16 digits were erased on the card. I had received a gift receipt for the transaction as well. I contacted XXXX where the card was purchased from and they reached out to Vanilla Gift Card who is the issuer of the gift card but they could not help with it. I tried to contact Vanilla Gift Card and they are saying that they can not help with missing numbers on the card. This is really disappointing since this is their fault and they are not owning upto it.
Product: Bank account or service

NET SPEND HAD XXXX OPEN ACCOUNTS OF ME. DID NOT NOTIFIED ME AND IT AFFECTED MY CREDIT.
Product: Debt collection

A dispute was filed asking for the original creditor name and address, a letter was sent saying they received the complaint, the next day the car was stolen in violation of the cease to collection of the debt until validation which never occurred. I am a consumer/ natural person / human and the ultra vires act prevents companies from acting natural person as an artificial entity. Violation of 15 usc 1692, the GAAP Act, Truth in lending, Fair debt Collection Practices Act, and National Currency Act.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Account Reporting Request for Deletion I am writing to formally dispute the inaccurate reporting of a debt collection accounts ( XXXX ) that appears on my credit report under the name XXXX XXXX XXXX. On XX/XX/year> i filed a complaint with the CFPB, today is XX/XX/year> which is exactly 32 days from the day i submitted the account The account ( s ) is listed with a balance of {$850.00} and {$630.00}, which is falsely reported as past due. I am requesting that these accounts be removed from my credit file in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires all information reported to be accurate and verifiable. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Basis for Dispute : Inaccurate Balance Reporting : The reported past-due balance of {$850.00} & {$630.00} is inaccurate, as the original balance of this debt was never with XXXX XXXX XXXX . Furthermore, I have noticed that every few months, the account balance is increased by {$1.00} to keep the account active, which appears to be an attempt to manipulate the status of this account inaccurately. 

Failure to Provide Validation Under FDCPA : Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), all information provided by debt collectors must be accurate and truthful. When I requested validation of this debt from XXXX XXXX XXXX, they failed to provide adequate validation and instead employed scare tactics, including threats of legal action. Such practices are in violation of the FDCPA, and the debt should not be reported if it can not be validated.

Failure to Meet 30-Day Response Deadline : Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), a consumer reporting agency must investigate disputes within 30 days. As of today, more than 30 days have passed without a proper investigation or correction by XXXX XXXX XXXX, and this account continues to be inaccurately reported. 

Requested Action : I request that you conduct an immediate investigation of this matter as required under the FCRA. I also request that you delete this account from my credit report, as the debt is inaccurately reported, and the creditor has failed to validate the debt as required under the FDCPA.

Please note that under the FCRA, if this information can not be verified within the 30-day investigation period, it must be promptly removed from my credit report. Please notify me in writing once the investigation is complete and confirm that the inaccurate information has been deleted. 

I have attached a copy of complaint that was submitted to the CFPB, along with any supporting documentation related to my request. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated thePer Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXXXXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.