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

I mailed out letters on XX/XX/XXXX to XXXX, Transunion, and XXXX However its been over 30 days and the credit bureau failed to send investigation back. I received a stall letter on XX/XX/XXXX from Transunion and XXXX no further information regarding credit investigation. Failure to response letter mailed out to all bureaus XX/XX/XXXX. This investigation has been going on for months well beyond the 30 days. This is not right and violates my rights. 

According to the law 15 U.S Code 1681i-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I sent dispute letters to XXXX, Equifax and XXXX on XX/XX/2024. today I received an email fro XXXX that it will take 30 days more to get the result of my disputes. according to the Fair Credit Reporting Act, they have to respond within 30 days.
Product: Debt collection

I am filing a Complaint against Synchrony Bank XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX Facts : In XXXXXXXX XXXX I paid in full {$120.00} for a bench press, from QVC. 

The debt was paid check number XXXX, Bank XXXX which was converted on XX/XX/2020 ; Serial Number XXXX ACH Converted Item. 

DESPITE ACKNOWLEDGING THIS DEBT HAVING BEEN PAID, TIHS BANK CONTINUES TO ASSESS LATE FEES, AND, HAVE DEFAMED MY CREDIT BY FALSELY REPORTING A DEFICIENCY TO THE CREDIT REPORTING AGENCIES., AND, AS A DIRECT RESULT, OTHER CREDIT CARDS ARE BEING CANCELED AND MY CREDIT LINE REDUCED. 

I CONTACTED SYNCHRONY MANY TIMES, THEY CALLED ME AND LIED TO ME AND TOLD ME THIS WOULD BE FIXED, AND, INSTEAD, THEY DID THE OPPOSITE, AND DEFAMED MY XXXX 

I HAVE CONTACTED THESE SCOUNDRELS NO LESS THEN TEN ( 10 ) TIMES, BUT, THEY JUST REFUSE TO FOLLOW UP, AND CHANGE THEIR NEGATIVE DEFAMATORY CREDIT REPORTING. 

THEY ACTUALLY HAD THE AUDACITY TO TELL ME THEY " WERE NOT SET UP TO RECEIVE PAYMENT IN FULL '', BUT THEY ACKNOWLEDGED THE DEBT WAS PAID IN FULL.. 

YOU CAN SEE BY THE VOLUME OF COMMUNICATIONS TO THEM, FROM ME, THAT THEY HAVE NO INTENTION OF FIXING THEIR MESS, AND, THEY WILL NOT VOLUTARILY DO ANYTHING, OTHER THEN TO CONTINUE TO DEFAME MY CREDIT. 

I ALSO SENT LETTERD AND EMAILS TO XXXX XXXX XXXX XXXX XXXX and XXXX Synchrony Bank Corporate XXXX XXXX XXXX XXXX, XXXX XXXX XXXXr, Utah XXXX, BUT, SHE IGNORED MY LETTERS AND EMAILS, DESPITE HAVING MADE XXXX XXXX DOLLARS LAST YEAR!!! 

I WANT MY CREDIT FIXED, AND, I WANT SYNCHRONY BANK TO STOP DEFAMING MY CREDIT. 

I AM ATTACHING MANY OF THE COMMUNICATIONS, SO, YOU CAN SEE HOW SYNCHRONY IS TREATING THIS LIKE A JOKE. I DO NOT FIND IT AMUSING. 

XXXX XXXX ATTORNEY AT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed an account on my TransUnion credit report that I did not recognize. I immediately contacted TransUnion to request proof that the account belonged to me. Specifically, I asked for the following details : XXXX XXXX Confirmation it was opened by me. 
The dates and amounts associated with the account. 
The account number. 
The name of the original creditor. 
The year the account was opened. 

Despite my request, I have not received adequate verification or documentation to confirm the accounts legitimacy. I believe this account may have been reported in error, and I would like it investigated further.
Product: Credit reporting or other personal consumer reports

I wrote letters to the credit bureaus to reinvestigate these accounts, However, they stated everything was complete and accurate. Specifically, I asked for the original application bearing my signature as proof, which they have failed to provide. 

This situation is a clear violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681. The accounts in question, detailed below, infringe upon my rights to privacy and confidentiality as stipulated in the Act. 

Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Despite my XXXX to have these accounts reinvestigated by the Credit Bureau ( XXXX ) XXXX their response was that the information was accurate. This is perplexing, especially when the open dates, dates of last activity, payment history and among other details, are evidently incorrect. Attached are screenshots as evidence of these discrepancies. According to 15 USC 1681i ( 15 ), there is an obligation to modify accounts that are inaccurately reported.

Furthermore, the following sections of the FCRA support my claim : 15 USC 1681 Section 602 A, which underscores my right to privacy.

15 USC 1781 604 Section 2.

15 USC 1681c ( a ) ( 5 ), which specifies the prohibitions on consumer reporting.

15 USC 1681 2 ( a ) ( 1 ), regarding the restrictions on furnishing consumer information. 

Additionally, XXXX practices appear non-compliant with the XXXX XXXX credit reporting standards. I have substantial evidence to support my claims and am prepared to present this if required. 

I seek your assistance in addressing this matter with all XXXX credit bureaus to ensure that my consumer rights are upheld, and the inaccuracies in my credit report are duly rectified.
Product: Credit card or prepaid card

on XX/XX/2021, I accidentally didn't have the amount of money in my XXXXXXXX XXXX  account to pay the automatic billing I set up for the statement balance ( {$830.00} ) of my Citi Costco credit card. I then contacted Citi customer service via chat on XX/XX/2021. With their help, I coordinated a manual payment to make up for the failed payment on XX/XX/2021. The customer service representative confirmed that I was taking the right steps to fix this issue. However, on XX/XX/2021, I noticed that Citi attempted to charge me for both the manual payment, and had the automatic repayment try to re-charge me again. This resulted in having {$830.00} taken from the checking account on XX/XX/2021, and a second and third attempt to extract another {$830.00} on XX/XX/2021 and XX/XX/2021. These XXXX attempts failed, causing {$25.00} each in overdraft fees. I spoke to Citi on XX/XX/2021 about this and they only told me that they failed to get payment on XX/XX/2021, implying XXXXXXXX XXXX failed to pay them. I checked with XXXXXXXX XXXX  and confirmed that they did pay Citi. Citi did not tell me at this time that they were charging me twice. They also told me that the statement was paid and they would no longer attempt to charge my account. They then attempted to extract the second payment again on XX/XX/2021, this time successfully drawing {$830.00} from my account, in contradiction to their previous statement that they would stop charging my account. The end result was that Citi charged me for the same amount twice, and this unexpected charge led to {$50.00} total in overdraft fees. They also took {$830.00} from my account that I had not planned on giving them at that time. They then proceeded to deny me reimbursement for their mistake and told me that the fees were from XXXXXXXX XXXX and they could not reimburse me for those. They also deflected on returning the {$830.00} they took from me, until I ultimately conceded to allow them to apply it to my next credit card payment. They did not take responsibility for the double charging, even though I followed a procedure I specifically asked them was okay. They denied reimbursement for their mistakes. They denied make mistakes, and shifted blame onto me when I was specifically following a procedure I had verified with them to handle my failed payment on XX/XX/2021. Their customer service was outrageous at times constantly shifting blame onto me and XXXXXXXX XXXX I was extremely dissatisfied with how Citi handled these issues. Citi also did not allow me to get chat transcripts of my conversations with their customer service, I was only able to get them by copy and paste, which was annoying.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Immediate Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to inform you of the deletion of a {$530.00} XXXX XXXX charge-off account from my XXXX credit report. The dispute regarding this account was investigated, and the results of the investigation, completed on XX/XX/year>, concluded that the account was deleted from my XXXX report. 

As XXXX has determined that the account is unverifiable and has deleted it from my report, I am requesting that your credit reporting agency also remove this account from my credit file. Since the account is no longer verified by XXXX, it is now considered unverifiable, and as such, it should not appear on any credit report, including yours. 

Legal Rights : FCRA Section 1681i : According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes an item on their credit report, the credit reporting agency is required to conduct a reasonable investigation. If the disputed item can not be verified, it must be removed. XXXX has deleted the account because it was unverifiable, and you are required to do the same. 

FCRA S

ection 1681e ( b ) : Under this section, you must ensure the accuracy of the information you report to credit bureaus. If you are unable to verify an account, you must remove it from the credit report within 30 days of notification. Right to Sue : If this unverifiable account is not removed within 30 days from the date of this letter, I will exercise my legal rights under the FCRA and may file
a lawsuit for damages, including actual damages, punitive damages, and attorneys fees. The FCRA provides for compensation in the event of a violation of my rights, including failure to properly investigate and remove unverifiable information.

Request for Action : I request that you remove the {$530.00} XXXX XXXX charge-off from my credit report within 30 days of receipt of this letter, in accordance with the FCRA. If the account is not removed within that time frame, I will pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as initiating legal action if necessary. 

Please provide written confirmation when the account has been removed, or explain why it has not been deleted in accordance with the law. I will be monitoring my credit reports for compliance. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Equifax, TransUnion and Experian never deletes old account information. Debts that I have cleared are still there. Some accounts disappear and come back.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : 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/year>
Product: Credit reporting or other personal consumer reports

I was robbed and a victim of identity theft. I filed a police report and a FTC report and submitted them into the credit reporting agencies with my disputes according to the FCRA. The disputes have not been filed correctly and the paperwork has not been attached to my disputes. I haven't received copies of the verification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX. XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX 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
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to remove a fraudulent account from my credit file despite my repeated disputes. The account in question is XXXX XXXX XXXX account number XXXX, which does not belong to me and was opened fraudulently. 

XXXX has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation after I disputed the account.

15 U.S.C. 1681s-2 Furnishing inaccurate information despite being notified of the dispute.

15 U.S.C. 1681i ( 5 ) Failure to delete inaccurate or unverifiable information from my credit file.

15 U.S.C. 1681e ( b ) Failure to ensure the maximum possible accuracy of the information reported.

I have provided all necessary supporting documentation to XXXX, including a police report and an identity theft affidavit, yet they continue to report this fraudulent account. Their failure to act has caused me financial and emotional distress.

I request that the CFPB take immediate action to ensure XXXX complies with federal law by permanently removing this fraudulent account from my credit report. I also request that XXXX provide a written confirmation of the deletion. 

Please let me know if additional information is needed to process this complaint.
Product: Credit reporting or other personal consumer reports

I leased the vehicle from Hyundai motor finance in XXXX. Hyundai motor finance was charging me property tax on my vehicle that I did not owe I put in an abatement back in XX/XX/XXXX they never sent it in. I was in touch with corporate in touch with everybody from the escalation team, you name it from Hyundai motor finance. Back in XX/XX/XXXX. I made my car payment as I always do 40 days after that I was getting credit alerts that I was delinquent. I was over 40 days late. It turned out that they allocated my car payment for paying for taxes again that I did not owe. In the interim, my credit has suffered tremendously immediately my credit score dropped XXXX points and its been a domino effect ever since I have credit cards that now reduce their credit limits anywhere from {$8000.00} credit limit down to {$1200.00}. Ive had credit cards just simply closed their accounts on me and they are still not rectify the situation. I need this off my credit report and I need them to compensate me for the damages that they have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received two credit inquiries on my XXXX, XXXX, and XXXX credit reports from XXXX XXXX and XXXX XXXX Outlet. Both came from XXXX XXXX card services on behalf of Sterlings Jewelers. I have not applied for a credit card at either XXXX XXXX or XXXX XXXX XXXX.
Product: Debt collection

Wakefield and Associates are attempting to collect a debt from me claiming that I owe {$290.00} to The XXXXXXXX XXXX XXXXXXXX XXXX. I don't owe anything to that medical facility as I've never been a patient there.
Product: Debt collection

In XXXX of XXXX I was sued by Cavalry SPV i<LLC for a credit card debt and requested validation of the debt. It was never received and we've gone to court for pretrial for 9 months with each time the judge gave them time to provide the requested validation. 

1. On XX/XX/XXXX, the Defendant filed with the Court and served Plaintiff with Defendants response for Production to Discovery to obtain full and complete answers to the Defendants Interrogatories. 
2. On XX/XX/XXXX the Plaintiffs response to Defendants request for Production was as follows : Objection, immaterial, irrelevant burdensome, vague and ambiguous and not reasonably calculated to lead to the discovery of admissible evidence. 
3. I, Defendant, have served the Plaintiffs with interrogatories requesting the specific substance of the facts of the case and have received vague responses. The Plaintiffs have refused and have failed to provide full and complete discovery regarding the information requested by Defendant. 
4. On, XX/XX/XXXX, the Plaintiff had not submitted a response to the Defendants addition request for validation and the Honorable Judge had given the Plaintiff 14 days to the Defendants request for validation and interrogatories. 
5. Plaintiff has failed to submit any documentation evidencing ownership of the account to the Defendant. 
6. On, XX/XX/XXXX, the Honorable Judge directed the Plaintiffs to provide the necessary documentation to the Defendant within 20 days or the case would be dismissed at the next pretrial hearing set for XX/XX/XXXX. 
7. Rule XXXX, Florida Rules of Civil Procedure requires Plaintiff to attach a copy of All bonds, notes, bills of exchange, contracts, accounts, or documents upon which the action may be brought or defense made, or a copy thereof or a copy of the portions thereof material to the pleadings, shall be incorporated in or attached to the pleading. 1 Rule 1.130 ( a ), Fla. R. Civ . Pro. Plaintiffs Complaint fails to state a cause of action because it fails to satisfy the strict requirements of Rule 1.130.

8. Therefore, Plaintiff has not attached written instruments sufficient to demonstrate that Plaintiff may even bring this action. 

Validation was never received. On XXXX XXXX the Judge DISMISSED the case for the plaintiff 's failure to comply with outstand discovery requests. 

Please have Cavalry remove this from all 3 of my credit reports
Product: Credit card

XXXXXXXXXXXX is my email XXXX XXXX is my name TU took money off my card and I do n't know anything about it and I need help with this
Product: Debt collection

Procollect has not provided the information that they stated they would provide. They have not verified the debt, provided an accounting of the debt, provided a copy of the debt with wet signature as stated in their response to the CFPB.
Product: Credit reporting or other personal consumer reports

This is to express my dissatisfaction in regards of the ongoing negative accounts on my credit file. This situation is causing significant inconvenience and frustration. The inability to correct these late-opened accounts is impacting my financial management and overall trust in your services. I request an immediate and comprehensive review of my case. Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment, I feel there are still accounts on my file that need to be corrected or removed. For that reason, I request that all of the attached inaccurate information listed in my credit file be corrected or removed immediately. 

XXXX XXXX XXXX XXXX  Balance : {$34000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the late open must be corrected. 

XXXX XXXX XXXX Balance : {$10000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX Balance : {$440.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX Balance : {$460.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXX : {$3600.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXXXXXX XXXX Balance : {$0.00} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off. Please eliminate the item certainly.
Product: Bank account or service

I am going through a very messy divorce. I was divorced from my ex husband XXXX XXXX, 2015. I opened a bank account at Regions bank for {$2000.00} after this date. My first debit was an internal transaction for {$10.00} to pay for my check order on XX/XX/2015.This was just a few days after opening the account. The balance then was {$1900.00} When filing the descriptive list, my ex husband listed my bank account with the date of XX/XX/2015 and balance as {$1900.00} as his documented information on a sworn descriptive list. He is a banker who has a lot of friends who would give him this information. I believe someone pulled my information to give him. He was never given any authorization to access this account in any way.