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

I hope this letter finds you well. I am writing to follow up on the dispute I submitted on XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX Experian Information Solutions, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX, ( XXXX XXXX XXXXXXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated
Product: Credit card or prepaid card

Called Customer service during XX/XX/XXXX. The reps all noted that I have satisfied the purchase requirement required for the XXXX XXXX XXXX account Promotion of 50,000 points ( {$3000.00} purchase within 120 days of account opening ). The rep sent this request for further " research ''. 

However, after few weeks, I received letter stating that I did not meet the requirements. 

Called Customer service again during XX/XX/XXXX. The reps all noted again that I have satisfied the purchase requirement and will send it for further " research '' one more time. However, it is still not resolved after several weeks. 

XX/XX/XXXX Account Opening Purchases Made from : XXXX {$120.00} XXXX {$2400.00} ( Purchases ) XXXX ( Credit ) = XXXX XXXX {$530.00} Total {$3000.00} I have satisfied the purchase requirement way before the 120 days, but their " research '' kept saying I did not meet minimum requirement. They have continuously ignored a detailed manual calculation and only relied on their system number which is in error by their " research '' team.
Product: Credit reporting or other personal consumer reports

I told XXXX, Equifax, and XXXX to reinvestigate these accounts all the accounts that were listed in my first claims. however, they stated everything was complete and accurate but on all reports Im not wrong open dates. Dates of last activity are incorrect accounts number are wrong and according to 15 U.S.C 1681i ( 5 ) They are supposed to modify accounts that arent reporting correctly. Ive also stated in the claims, they have violated 15 U.S. C1681 section 602A and 15U.S.C 1681 section 604A and 15 U.S.C1681 section 604A. I have disputed letters Ive send emails, affidavit sent, and invoices have been sent to the collectors as well. I have all reporting all my evidence that I need all documentations all receipts from when everything was mailed and email for my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00}
Product: Debt collection

On   XXXX   XXXX   XXXX   ( via certified mail ), a letter was sent to  National Credit Systems requesting documentation to verify the debt and prove my legal obligation to them for information they provided to the credit bureaus relating to a certain account. I asked that all of the requested documentation be furnished within thirty ( 30 ) days of receipt of the request, and I advised if they failed to provide any portion of the requested documentation, all references to the account would need to be immediately removed from my  credit files and any further attempts to collect should cease.     On or around   XXXX   XXXX   XXXX    , I received an incomplete response from the company, and, as such, on   XXXX   XXXX   XXXX    , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial request and all references to the account needed to be removed from my credit files immediately.     To date, the company still has not complied with my initial request and have not removed the account from my credit files.
Product: Credit card or prepaid card

On XX/XX/2022, I used my Chase XXXX ( Presidential Plus ) to pay for a XXXX taxi ride from a restaurant to an airbnb. In XXXX taxi drivers are required to provide receipts for rides over XXXX. When I returned to XXXX XXXX  on XX/XX/XXXX, I saw a charge on my card for {$1600.00}. I called Chase to dispute the charge. They told me to file the complaint online, which I did. I documented the actual journey of the ride, which was about XXXX minutes. XXXX was the company that processed the charge. They provided me with the name of the business " XXXX and XXXX '' after numerous requests and filing a complaint with the XXXX banking regulator. I have provided Chase with all of this information. I will sign a notarized affidavit stating the facts. 

I sent multiple updates to Chase, with no response. I called today, and the agent said that without the receipt showing XXXX which I do not have, there is nothing they can do. There is no protection whatsoever. 

Furthermore, they said, " Don't worry about payment in the meantimethe amount disputed and any interest or fees won't be included in your balance while your dispute remains open. '' There was never any acknowledgment of the dispute and no hold on the amount. I had to pay it. 

I have had this card for over 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has been paid in full but is still showing as a collection on my report. The last time the credit report was updated was in XXXX it is now XXXX almost XXXX and has not been updated to reflect the paid in full status
Product: Money transfer, virtual currency, or money service

My wife and I wired {$160000.00} to a Bank of America account from our XXXX XXXX XXXX XXXX bank on Tuesday XX/XX/. We received an email the day before from what looked like our lenders email account with wire transfer instructions to send the remaining down payment to. In the email chain, the fraudster even knew the exact details to our escrow account in the amount that was already paid and what the remaining balance was. We realized on Friday the XXXX that the money didnt go to the right account. We went straight to our bank to ask to recall the transfer and filed a police report and contacted the FBI.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Experian Customer Service, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries that have appeared on my credit report as a direct result of identity theft caused by the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information from my credit file upon receipt of notice and supporting documentation. 
The accounts and inquiries in question include : Fraudulent Accounts : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To assist in your investigation and fulfill your legal obligations, I have provided the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report The Equifax data breach exposed my personal information, which has resulted in fraudulent activity XXXX my credit report. I expect XXXX to take immediate action to rectify the harm caused by this breach and comply with its legal obligation under the FCRA. 
I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if XXXX chooses to reinstate any of the disputed items, I expect a detailed explanation, along with the evidence used to validate their accuracy. 
Failure to comply with my request will result in further action, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. 
I expect a response and resolution within the legally required timeframe. If you need further information, you may contact me directly at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC
Product: Credit reporting

I had outstanding state taxes due to the Georgia XXXX XXXX XXXX XXXX XXXX XXXX. I ( through my attorney ) did an offer and compromise to settle all of my outstanding taxes. I received a stamped release from the XXXX. The credit bureaus are telling me they do n't take off tax liens even if they were paid. I 'm attaching the Georgia State Tax Lien XXXX, stamped, signed, and date XXXX XXXX, 2016, stating the {$1500.00}, has been paid, satisfied and ordered cancelled from record. I 'm attaching my Experian Credit Report for you to see it is still being reported. When I spoke with them, I was told nothing can be done.
Product: Debt collection

I hope I choose the right category for this matter but I posted something on XXXX XXXX and this guy said he wanted to buy it but he would pay me on cash app. I gave him my cash app and he never sent me a penny but he said that he had to pay a extra XXXX $ on top of the XXXX $ He was paying for the product. So he made a fake cashapp email telling me that I needed to buy 2 gift cards from me 1 steam and the other one could be anything both with XXXX $ on them. At this point I knew the scam I have his email and number is XXXX if anyone has this told to them DO NOT TRUST IT make sure your getting texted by a a company email.
Product: Credit card or prepaid card

Citibank is not honoring a card that I have a credit balance on and have attempted to do phishing when I call them. 

Before XXXX I paid into a credit balance on my card because of the trouble of them honoring it when I try to use it at XXXX. As always, they still stopped honoring the card. Usually when I get home it works again. I have a monthly autopay that they honored once after not honoring the card in the store and they then stopped paying on that, also. 

When I called, they failed to tell me why they stopped honoring the card. The operator inferred accusations against me without actually speaking them. The operator also demanded to do phishing for information on both Citibank and nonCitibank accounts. The operator let her irritation show at her inability to extort phishing information from me. The operator also refused to fix the problem with the card. 

I still have a credit balance of {$460.00} on the card that they owe me and have not refunded. They refuse to either reactivate or to cancel the card, claiming that it is still good. I have gone to the local Citibank branch to get a Citibank employee to get to the bottom of this but they were uncooperative with him too. 

My suspicion is that from the very start this was a phishing effort. They stopped honoring the card for the sole purpose of getting me to call so they could do phishing. The card wasn't just paid up, there was a credit, there was no reason they would stop honoring the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted as soon as possible. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN XXXX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH XXXX, EXPERIAN AND XXXX. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

OCWEN FAILED TO FURNISH A RECAP OF ALL PAYMENTS MADE FROM XXXX FOR THE LIFE THIER SERVICING AND A SEPARATE RECAP FOR ALL XXXX XXXX PAYMENTS.
Product: Credit card

I do not normally check messages/notifications on a credit card 's website because they are usually trying to get me to increase my limit or purchase some other product, so I did not see their pdf dated XX/XX/year> " confirming my request to cancel autopay on my Visa account '', until my card was declined, I went to their messages and saw it XXXX. By then they'd charged XXXX late fees and XXXX interest charges totaling {$110.00}. I was told I was emailed the original cancellation confirm XX/XX/year> but I never received it. 

I'm attaching the website messages between us which also show my phone call attempts to clear this up. I opened a dispute with them, repeatedly requested proof of my alleged autopay cancellation, and when I learned that I needed to allow them 90 days to investigate this I paid my balance in full, including the disputed charges, and re-set-up autopay. 

I did receive a letter dated XX/XX/year> from the dispute dept saying that they were looking into this. On XX/XX/year>, approx 90 days later I sent them a letter and received their XX/XX/year> letter telling me to allow 90 days for them to complete their investigation!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When attempting to dispute Items on my credit report, Equifax asks questions in addition to Items like social security number and address. 

There are a series of multiple-choice questions to be answered. When I answer the questions correctly, Equifax states that I have provided the wrong information, making it impossible to file the dispute.
Product: Consumer Loan

I have an installment loan with cashnetusa. The loan is for XXXX. They take roughly anywhere between XXXX -XXXX out of my account every two weeks making it very difficult to pay it back in full. I would like to know if this company is legitimate and if the " fees '' that they are charging are legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

-XX/XX/XXXX : I paid the remaining balance IN FULL via my online Bank of Hawaii portal in the amount of {$140.00} ( the entire balance as stated on their website - SEE ATTACHED DOCUMENT SHOWING BALANCE OWED, AND PAYMENTS MADE ). 

XX/XX/XXXX I was made aware of a missed payment only because I logged into the site to request that the account be closed. I called BOH to understand what was late and why I had a balance on the account when I already paid it in full. They were unable to answer my questions and told me that someone would call me back. After not hearing back I called back in and spoke to XXXX who told me she saw the notes from my last call and would get back to me with answers on why there was a {$6.00} balance and then a {$7.00} balance after I had paid the balance in full. I spoke to XXXX again on XXXX and was informed that interest had been charged on the account along with a late fee and that these fees weren't visible when I paid the published balance on the BOH website in XXXX. I agreed to pay the late fee and balance in full on XXXX with the understanding that the late payment report would be deleted from by credit report. Nothing was done by BOH after this call and the late is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a balance & collection account status every month for an account that has an original delinquency date >7 years  old, was included in ch XXXX bankruptcy in XX/XX/XXXX & discharged on XX/XX/XXXX. I have disputed multiple times, and to date the account has been removed from the other bureaus but still remains on Equifax. 

XXXX responded to previous disputes that the original date of delinquency is XXXX because they placed the loan in forbearance from XXXX due to me being in ch XXXX bankruptcy during that time, and that the loan obligation was not discharged through the ch XXXX bankruptcy proceedings because it is a student loan. They kept the reporting the same only removing the CO status from the months that I was in ch XXXX bankruptcy ( XXXX XXXX XXXX ). 

The original date of delinquency is defined by the credit bureaus & FCRA as, '' the date the account first became delinquent and was not brought current.This date is used to determine when the late payment information is deleted from your credit report ''. 
Student loan due dates are determined by a promissory note, and this one states that it becomes due upon my graduation, which was in XXXX. Therefore, the account originally became due in XXXX. This account was never paid or brought current & the lender confirmed that in the previous dispute. From XXXX I was in ch XXXX bankruptcy & this account was included. In XXXX I was in Ch XXXX bankruptcy and this account was again included because it was a surviving debt from the last bankruptcy. The problem is the lender re-aged the account to XXXX but also is reporting negative as if it is a new debt. If the lender placed the loan in forbearance from XXXX it was at their own option for their own purposes of meeting the requirements of the bankruptcy law, and it has no variance on the original date of delinquency per FCRA definitions for credit reporting purposes. XXXX is using XXXX as the original date of delinquency when this account became due in XXXX & was never paid or brought current.This is the very definition of illegally re-aging the account to extend the time period that they negatively report to the credit bureau. 

All I want is a clean slate credit-wise, which is what bankruptcy is intended to do, and I have had to file twice in order to get even remotely close to one, all because when I graduated I was unable to land a job that paid little more than minimum wage due to a recession that lasted almost a decade. I am entitled to have this negative information removed from my credit due to its age and I will continue to fight for it, even if it requires me to file suit and sue for damages, which are quite extensive at this point. This account has been negatively affecting my credit since XXXX. 

I do not agree that I owe this debt. No statements in this correspondence are an acknowledgement of any debt. 





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