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

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. LEXIS XXXX ( XXXX Md. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX Fed XXXX XXXX. XXXX ( XXXX Cir. XXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences.

Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of this account ( s ) : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reporting XXXX XXXX  incorrectly reporting late payments inaccurately i sent this to XXXX and equifax and have yet to see the inaccuracy deleted or updated, this is dragging my credit score down. i need this deleted as soon as possible its unfair. its an inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt disputing COMENITY BANK/XXXX  # XXXX, an account that has already been paid off and still remains on my credit report. The account needs to be deleted from my credit report immediately. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).
Product: Debt collection

I had my medical debt taken care of last year. I have had medical insurance now through social security since XXXX of XXXX. All my medical bills are covered by my insurance. When I lived in XXXX  I was able to receive medical coverage when I was in the hospital and had coverage until I moved to XXXX XXXX in the fall of XXXX. I just received info that I have medical debt from a Phoenix Financial services. It is not stating where or when the debt. It has brought my credit down over a XXXX points. There are three separate collections. Two for the same amount and then the 3rd one is a different amount. I don't understand how it can be wiped and then completely different debt is put on my credit report. The debt they are stating I owe is not the same as the ones I had two years ago. 

After researching the company it seems I am not the only one with this issue with medical debt on their account that doesn't belong to them. 

I can be reached best by email. 

Thank you for your help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account name XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Per complaint XXXX, I am not able to access my equifax reports. The company responded with " Thank you for submitting your complaint the CFPB Complaint Portal. We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account. Upon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process. ". The response indicates a clear violation of the fair credit reporting act, provides no remedies to the problem at hand. The company continues to deny access to the credit reports, and has acknowledged it is doing so willfully and on purpose.
Product: Credit card

# Follow-up Complaint to Consumer Financial Protection Bureau XXXX CFPB ) # # Re : Bank of America - Delayed Payment Processing and Continued Credit Damage Date : XX/XX/year> Dear CFPB, I am writing to file an urgent follow-up complaint against Bank of America ( BOA XXXX regarding a recent incident of delayed payment processing, which has further damaged my credit score. This complaint is in addition to my previous grievances about BOA 's ongoing financial misconduct and obstruction. 

XXXX XXXX XXXX New Incident : 1. Payment Attempt : On XX/XX/XXXX, one day before the due date, I made a payment on my BOA credit card account via phone, as online access remains restricted. 
2. Delayed Processing : Despite making the payment before the due date, BOA did not process the payment until XX/XX/XXXX. The representative told me the payment was processed, which turned out not to be true, resulting in negative affect on my XXXXredit score.

3. Late Payment Status : As a result of this delay, my account was marked as having a late payment, further damaging my credit score. XXXX XXXX XXXX Specific Concerns : 1. Intentional Delay : Given the pattern of obstruction I've experienced, I believe this delay in processing may have been intentional, designed to force my account into late status. 
2. Lack of Transparency : At no point during the payment process was I informed that the payment would not be processed immediately or that it might result in a late payment status.

3. Continued Credit Damage : This late payment mark adds to the ongoing damage to my credit score, which I detailed in my previous complaint.

4. Compounding Issues : This incident compounds the problems I've been facing with BOA, including restricted account access and potential retaliatory actions. 

XXXX XXXX XXXX  Additional Context : - This incident occurred despite my diligent efforts to make the payment on time, navigating the obstacles BOA has placed in my way. 
- The continued pattern of issues suggests a systematic effort to hinder my ability to manage my account and maintain my credit standing. 

This incident further demonstrates the urgent need for intervention. The combined effect of BOA 's actions continues to jeopardize my financial stability and future prospects, including my ability to secure housing. 

I am prepared to provide any additional information or documentation necessary to support this complaint. I urgently seek your immediate intervention to address these compounding issues with Bank of America. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/23 my house burned. We went through the process with our insurance company and they totaled our home. They sent us a check made out to us and our mortgage company GMFS ( loan servicing company ) which is a VA loan! My wife and I endorsed the check and mailed it certified mail to the company. During this time we were getting numerous late notices. My wife called the company and they told her the insurance claims department received the check and had it on hold. My wife explained to them that our house burned and there was no fixing it. We wanted to apply the insurance check towards the amount owed to pay off our home so we could rebuild. The company told my wife to send a letter requesting that they apply the check to pay off our home and send it through the website they gave her and it would take a few days to process. We waited a few days and my wife called back because we were getting numerous letters in the mail stating we were behind on our payment and the fees were racking up. They told us they received the letter we sent telling them to apply the insurance check towards the payoff but no one could tell us what to do next except pay more money that was unfairly charged to us. They have the money to payoff the house and they are holding the money. Our statements show that the money has not been applied to our balance and the amount goes up daily. We have called the company and I have even went to the companys office in XXXX, XXXX to try to talk to someone about what I needed to do to get my home paid off. No one could tell me. We have spent hours on the phone. Getting transferred to numerous departments for which none of them can tell us how to get them to apply the insurance check towards our loan to pay off our home. In XXXX the GMFS company quoted our insurance adjuster the payoff and our insurance company cut the check, since then the have added numerous fees to which we owe them the insurance payoff plus over {$3000.00} and my credit it getting worse by the day so it will be hard for me to obtain another mortgage for a while. I am a XXXX  and this is a VA loan, I am saddened and angry as to how my family and I are being treated by this company. Today a notice was taped on the door and I am afraid they are going to start a foreclosure process on our property. I could see it if we were not trying so hard to pay off our loan. We have already lost enough when our home burned. Now we have been fighting with our mortgage company to apply the insurance check to payoff what is owed to them so we can start rebuilding our lives! This makes almost XXXX  months we have endured this with XXXX, it saddens me to think of how many other people get the run around from this company!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX ACCT # Account info Account number XXXX Open/closed Closed Date opened XX/XX/year>2016 Account type Credit card I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected .I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. Credit One Card services received numerous correspondences to correct or delete Delete this account from my file immediately for inaccuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor is XXXX XXXX XXXX XXXX and I owe them {$0.00} dollars and XXXX ( XXXX XXXX XXXX XXXX ) knows that I owe {$0.00} but this reported to XXXX a {$700.00} balance. I can not believe XXXX  would let this bogus company report this as a collection account when I owes XXXX XXXX XXXX XXXX {$0.00}. I want XXXX  to remove this account from my credit file immediately. The account number is XXXX with XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried too many times to resolve this issue with XXXX. They have a LEGAL obligation to update my credit report with true information and they refuse. If my claim isn't taken seriously I have sought counsel and I will pursue a lawsuit. I think this route will be cheaper for XXXX.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to dispute the information regarding my account with XXXX XXXX, opened on XX/XX/year>. The report lacks a closed status and payment history, which does not provide an accurate representation of the account. 

Please conduct an investigation and ensure my credit report is updated with accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX  XXXX/ {$890.00} / XX/XX/2022
Product: Debt collection

Dates XX/XX/2020 & XX/XX/2020 {$1400.00} each account. 

All I received was a notice of the amount. The XXXX never sent a bill itemizing the amount left to pay. I emailed the XXXX the packet for financial assistance and the XXXX never returned my phone call or emailed me back to even say they received it. I have a XXXX XXXX and due to the nature of my job I was unable to work for weeks.
Product: Debt collection

Reporting on my credit when I have no Legal binding accounts with this company nor have I ever. I have no idea who this company is. But I have no contacts with this company
Product: Money transfer, virtual currency, or money service

I initiated a transfer of USD {$5000.00} on XX/XX/2017 from my Coinbase account to my XXXX XXXX account. The funds were never transferred. I have had at least 4 phone call conversations with Coinbase 's customer service and my issue has not been resolved after 3 & 1/2 months. I have had no progress of getting my money back or showing that Coinbase is even interested in ever giving my money back. No actions have been taken by Coinbase to give me my money back.
Product: Credit card

I have XXXX XXXX XXXX 's card for a long time and have rarely used it. About XX/XX/year>. I called their customer service, and I said that I am paying off and closing my account. I paid all my balance and asked the agent to close my account due to they keep sending me text messages regarding froglet activity in my account. Also, I asked the agent to email me the conformation, but the agent said It took 1 to 3 days to send you an email but I dont receive any email. 
After a couple of weeks when I checked I found that one of my card was closed and another new card that I am not aware of was their, and already has some charges. I called customer service again and I ask explanation. The agent was said " Yes the old one closed and we issued a new card. '' I wasn't ask for it. I asked again I already paid off where this charge comes from? she/he said " ohh..it is transferred from the old card. Even though I don't even received the new card, by calculating how much time and my energy I waist every time I called, I asked if I paid the amount my card will be closed? The agent said " yes " I paid all and I asked again to send me the conformation email or mail that I am not owing anything. As usual I don't received any email or mail regarding this. 
Again, after a couple of weeks when I checked, I sow {$3000.00} charge and to make a payment. I called again, they told me to file dispute. After that, every time I called, they telling me different things. Sometimes they say It is under investigation the investigation takes a time, once you file dispute you shouldnt worry about it. You dont need to pay anything but in the other hand they are harassing me with phone calls regarding late fees. Also, some emails from Citibank. 
Now I realized, I can't do by myself and I need help regarding this issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I was unaware of this debt for this outrageous amount ... We had a credit line of XXXX and the bank closed ...
Product: Credit reporting or other personal consumer reports

I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per XXXX XXXX, I am formally requesting their removal within the next XXXX days. Relevant documents are attached for your review.
Product: Credit card

I called Citi Bank credit card to make a payment {$22.00} on XX/XX/2016 ( due date XX/XX/2016 ) confirmation # XXXX.Citi sent next statement due XXXX/XXXX/2016 amount of {$45.00} ( interest $ XXXX late fee {$22.00} + {$22.00} ). I called and a lady at Citi Bank told me " do not pay that amount till investigation done. On XXXX XXXX at XXXX the investigation department from Citi called said that the balance is XXXX.I gave them XXXX phone # and XXXX debit card # in case they want more information. Again on XX/XX/2016 Statement said I owed {$58.00} ( {$22.00} + late fee {$35.00} + interest {$.00} ) I called and talk to serveral person, they keep transferring me to different department, finally a man named " XXXX '', he got XXXX debit #, and try to find out where the amount of {$22.00} go to, after 30 Minutes he told me {$22.00} was posted at wrong place, not to my account he told me that a Manager will call me on next 24- 48 hours, he admit that it was Citi mistake from day one ( XXXX XXXX ,2016 ) .He said sorry and I will not get bill again.Again Citi keep sending bill to, this time they took off later fee that they should not have charge.The bill was {$22.00}. I went to XXXX for help on XXXX.The branch manager speak to Citi on my behalf.Citi manager name '' XXXX '' told us the account would be XXXX in 2-3 days.Again the bill stay the same.On XX/XX/2016 We called Citi and they want us to fax statement from XXXX, monthly statement fo Debit card that Citi deducted money {$22.00} from.They told us would investigate that will take 7 To 14 days .Still the bill of {$22.00} remain.I got email from Citi on XXXX/XXXX/16 that they got the Fax copy from Schwabs and will investigate again.On XXXX/XXXX/16 We called Citi at XXXX XXXX from XXXX, Citi told us that they never got the Fax they want me to give XXXX debit card # again so they will investigate.I did not have card with me so they told that they will call me at home in 30 minutes, I wait till XXXX without any call.This Was fifth time that I gave XXXX Debit card # to Citi and they have never found where they post {$22.00}. I gave them all the proof that Citi took money out on XX/XX/2016 and yet Citi want to bill me for {$22.00} again.Why do they can not fix the mistake that someone at Citi mess up post {$22.00} from with they took from Debit card at wrong place.In the mean time bill is come due on. XXXX/XXXX/16 and if I do not pay {$22.00} again they will charge late fee again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian placed a fraud alert two days after I had one removed from XXXX. I did not place a fraud alert with either agency. XXXX removed the alert immediately upon me contacting them to do so. When I called Experian to have it removed I asked why was a fraud alert placed on my report without my authorization. They claim because XXXX  was reporting they would do the same. I explained to them that XXXX already removed the alert and that they should please do the same. That was on XX/XX/XXXX. I mentioned how imperative that they so because I have a closing on my new primary residence on XX/XX/XXXX. The man that took my information said that I answered the security questions incorrectly and that I would have to upload proof of identification. This is after I already proved my identity with ss # DOB, Current address, and previous address and employer and phone #. As you can imagine I became very irate and demanded that this alert be removed from my credit report. I then complied on XX/XX/XXXX with a letter and copy of my driver 's license and uploaded to their website. The information was received by then on that date. I called back today to inquire about and get an update on my status since my lender has informed me that this is the only thing keeping me from getting my clear to close. So explained that to the person who answered my call today and to please remove this fraud alert. I called in today and explained this to them that this was happening and I was hung up on 4X '' s. This is unacceptable and when I finally was able to speak to someone the man I spoke with said that they still did not receive my documents needed to remove the alert. As you can imagine I lost my cool and explained how this could possibly be. I really feel that they are playing games with me and making a mockery of me because I called out a few of there employees on how unprofessional they were. Can you please into this practice by Experian and see if it's on going problem. This could cost me several thousand dollars if I am not able to close on time. Since the seller is leaving the country for 3 weeks on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, Paypal attempted to pull {$1100.00} from my checking account for an XXXX payment. It declined due to insufficient funds, but PayPal fulfilled the payment XXXX on my behalf. On XX/XX/year>, I canceled the XXXX rental and was issued a refund for {$270.00} ( which came through to my checking account the same day ) and a separate refund for the {$1100.00}. I assumed that PayPal would not retry the payment at that point and just keep the refund from XXXX. However, PayPal retried the {$1100.00} payment on XX/XX/year> and successfully withdrew the payment from my checking account, leaving it empty. It is now XX/XX/year> and I still have not received my refund! I have no money to pay bills, food or gas and keep getting different answers when I call and speak to agents or managers! I want my money back and at this point, compensation for them holding onto it for so long. This is totally unreasonable!