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

I am writing to formally dispute the reinsertion of a Discover Bank charged-off account appearing on my credit report under the following details : Account Name : Discover Bank Account Balance : {$2700.00} Date Opened : XX/XX/XXXXXXXX  Date Closed : XX/XX/XXXXXXXX  Address Reported : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX The Fair Credit Reporting Act ( FCRA ) strictly prohibits the reinsertion of previously deleted or unverifiable information without proper notification and a valid certification of accuracy. Specifically : 1. FCRA Section 611 ( a ) ( 5 ) ( B ) : Before reinserting information, XXXX is required to certify that the furnisher has provided sufficient evidence to prove the informations accuracy and completeness. I was not notified of this reinsertion, which constitutes a violation of federal law. 
2. FCRA Section 623 : Data furnishers are obligated to report accurate and verifiable information. The address associated with this account, XXXX XXXX XXXX XXXX XXXXXXXX, is factually incorrectI have never resided there. Any account tied to this address is therefore false and should be removed. 
3. FCRA Section 611 ( d ) : If a reinsertion occurs, XXXX is required to send me written notice of this action within five business days. I did not receive any such notification, further compounding the violation.
Product: Credit reporting

XXXX XXXX needs validation of debt done, he last payment is misising full payment history if there is any is missing, i have asked for verification before and it was ignored. my fcra rights have been ignored for full and accurate reporting. 
DATE LAST PAYMENT MISSING DATE OPENED MISSING DATE CLOSED MISSING
Product: Credit card or prepaid card

on XX/XX/2018 a round trip ticket was purchased from XXXX for the amount of {$4300.00} with amex gold card, the ticket has a 24 hour cancellation policy.

with in the 24 hour window on XX/XX/2018 the ticket was cancelled on the XXXX website, as well to be double sure XXXX gets this cancellation note with in the 24 hour cancellation window, it was also send an cancel email to XXXX with in the 24 hours to cancel it. 

wile a credit was issued for leg 1 from XXXX XXXX in the amount of {$3400.00} but no credit was issued for the XXXX lag from XXXX XXXX XXXX in the amount of {$830.00} XXXX advised us to call XXXX XXXX XXXX to ask for a ticket refund XXXX said this ticket is not refundable. 

Our complain is that we ordered this ticket from XXXX that have an 24 hour  cancelation policy. 

we also have an email dated XX/XX/2018 from XXXX that this ticket had an 24 hour  cancellation policy. 

we opened many disputes cases with amex to credit this charge, unfortunately they always come back with the same answer from XXXX XXXX XXXX that this ticket was not refundable. 

wean we say to Amex : we did not agree to buy a non refundable ticket. 
and also the fact that we got credit for the first leg from XXXX XXXX shows that it was refundable ticket. 
as well go to XXXX and see the tickets have at a 24 hour cancellation policy. 
also we have an email from XXXX dated XX/XX/2018 that this was a ticket with a cancellation policy. 

Amex is opening back the dispute and comes back with an answer that XXXX XXXX XXXX says this is a non refundable ticket ... 

it dose not help any explanation that we never agreed to order a non refundable ticket, or that we have proof an email from XXXX dated XX/XX/2018 that this was a ticket with a cancellation policy. 

Amex is allwas comeing back sorry XXXX XXXX XXXX says this is a non refundable ticket ... 

PLEASE HELP US Thank you Mr. XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX To : Experian XXXX XXXX Subject : Request for Immediate Removal of Inaccurate Credit Reporting To Whom It May Concern, I am writing to address serious inaccuracies in my credit report related to the XXXX XXXX  account. Your failure to maintain accurate records is a violation of the Fair Credit Reporting Act ( FCRA ), and I demand the immediate removal of this account from my credit reports. 

Account Information : Account Name : XXXX XXXX  Account Number : XXXX ( last four digits ) Discrepancies : Date Opened : XXXX : XX/XX/XXXX Experian & XXXX : XX/XX/XXXX Inaccuracy : Violates FCRA 607 ( b ). 

Number of Months ( Terms ) : XXXX & Experian : 48 months XXXX : 0 months Inaccuracy : Violates FCRA 602 ( a ). 

Last Reported Date : XXXX & Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Inaccuracy : Violates FCRA 609 ( e ). 

Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Inaccuracy : Violates FCRA 607 ( b ). 

Payment History : XXXX : Gaps in payment history violate FCRA 607 ( b ). 

Demand for Action : I expect the immediate removal of the XXXX XXXX  account from my credit reports. Attached is a copy of my credit report, highlighting these discrepancies. 

If these issues are not resolved promptly, I will consider legal action against all three bureaus, seeking {$1000.00} per violation of the FCRA. The case XXXX XXXX XXXX, XXXX serves as a precedent for my claims. 

I hope for a swift resolution to this matter. Please confirm the removal within 14 days. Failure to comply will leave me no choice but to escalate this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit card

To whom it may concern, There is obvious fraudulent card activity on my account, but after a dispute with Navy Federal Credit Union, they have deemed that no error has occurred and that I am responsible for {$29000.00} in fraudulent charges. These 6 charges are the fraud in question : XX/XX/XXXXXXXX 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  Neither I nor my wife has left the country this year. I am not sure why foreign charges in XXXX is not fraud in Navy Federals eyes. We also did not book an XXXX XXXX. Every other amount charged in the months of XXXX and XXXX have been in the XXXX area aside from these XXXX transactions, yet this is deemed normal according to NFCU. Please assist in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX AND ESRLY WARNING WILL NOT REMOVE THE INQUIRES AND IN ACCURATE INFORMATION FROM THEIR RECORDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned XXXX in XXXX of XXXX. I realized that there were three delinquent accounts on my credit dating back to when I was XXXX years old. I submitted my birth certificate and drivers license to XXXX and TransUnion and they refuse to investigate and remove the items from my credit report. What XXXX and TransUnion is doing is criminal as it is impacting my college applications and my credit report and scoreXXXX XXXX immediately removed the items once I proved my age with the same documentation provided to XXXX and TransUnion.
Product: Student loan

I am currently XXXX XXXX military and qualify for XXXX for my time working in public service. I have been on XXXX XXXX since 2008 and in repayment on my loans. I recently consolidated to take advantage of the XXXX waiver benefits. Erroneously Mohela my loan servicer is categorizing my employment as for profit. Ive spoke with representatives and keep getting that they admit the mistake but have not fixed it. The company has admitted the error on there part but still has not corrected it and i have been in a holding patter since XXXX.
Product: Debt collection

I was a customer of XXXX XXXX XXXX wireless for over SEVEN YEARS, and I paid my bills ALWAYS. However, I DID NOT RECEIVE any wireless services from XXXX XXXX XXXX for the five months or so ( i.e. XX/XX/XXXX-XX/XX/XXXX ) because there were technical problems with my receiving the wireless services that I was being billed monthly for. I lodged NUMEROUS COMPLAINTS with XXXX XXXX XXXX in-store Managers, who in turn, contacted XXXX XXXX XXXX Tecnical Support Services on my behalf to rectify the problem, but no avail. 

Also, XXXX XXXX XXXX REFUSED yo replace or REPEATEDLY put up barriers to replacing my XXXX XXXX even though I had been duly paying for the Insurance Cover/ Premium every month. This would have enabled me to receive the wireless services that I was being billed for, if the problem had been with the XXXX itself. This went on for several months. As a result, I had no option but to CLOSE THE ACCOUNT in XX/XX/XXXX-by switching over to XXXX XXXX XXXX. And I have been paying monthly ever since. Just like I paid my monthly bills with XXXX XXXX XXXX Wirelessly for over SEVEN YEARS!!! 

Against this backdrop, I believe that XXXX XXXX XXXX 's Bill for sum of XXXX XXXX is UNLAWFUL and is a retaliation against me for exercising my legitimate right.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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

THIS ACCOUNT DOES NOT BELONG TO ME. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT IS STOPPING ME FROM GETTING A JOB.
Product: Checking or savings account

KeyBank froze my accounts on XX/XX/year> and never gave me an explanation why. This includes checking account, money market account, credit card, a commercial line of credit and online access to all of them. 

I have been in contact with the branch manager, and all the response I got ( verbally only, never anything in writing or email ) is that the case is being investigated by " Corporate ''.

This is causing me a long list of financial problems and hardship, as this was my main bank to conduct several real estate business initiatives; including rentals, mortgages, rehabilitation projects, utilities, etc. 

Other than branch representative I have tried contacting their customer service representatives, their fraud department hotline, etc. and nobody can answer. 

On top of that, they are assessing me a late payment fee for non-payment of interests on my commercial line of credit, when I can not make any payments since it is frozen. 

It has been over a month of this now, and they are not even answering my emails or phone calls anymore.
Product: Mortgage

Wells Fargo denied my short sale. They are impossible to deal with. They kept asking for all the documents again and again and they wanted everything notarized. They give a different list of requirements each time we send stuff over. We had to go to a notary 5 different times. They are the 2nd mortgage and we offered them much more than they will get after the XX/XX/year> sale date from the first lien holder XXXX. Wells Fargo denied the short sale saying some of the documents are invalid but they would never tell us what the issue is. Wells Fargo is causing my house to be foreclosed on by the first mortgage when the buyer has been ready to close and the first mortgage would have been paid off in full.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX credit report, l noticed that there is a hard inquiry reported by WELLS FARGO BANK on XX/XX/2018 which l have NO idea about it.
Product: Bank account or service

I have been banking with Wells Fargo since 1993. I am currently applying for XXXX and I am unable to work. My checking account was fine until I was told false information about the date in which fees were to be applied to my account. They applied the fees a week early and my account has been charged NSF fees like crazy. I can not catch up with my account because they have put the same checks through 4 times and now the NSF fees are so piled up I ca n't get my account current! They apply checks before a cash deposit! They do anything they can and always have to collect their XXXX dollar NSF fees!
Product: Credit reporting, credit repair services, or other personal consumer reports

On last week, I had explained my concerns, and submitted requested documents to support my concerns, to Credit Karma via live chat platform! Today when I had attempted, to do a follow-up : in relation to the matter, or supposedly open case, it ended up being a total waste of my time, unsuccessful attempt, brutally ended, and my good intentions to find answers, never was dealt with whatsoever! Instead, party with an attitude, flying all off the handle, and getting worked up for nothing! Only reason behind their rendition, can be explained this way! Because, they're XXXX third party vendor/partner ; they felt a need to cover up for, and not question XXXX 's intentions about the matter!
Product: Debt collection

The XXXX XXXX 's company submitted a debt to a collection agency when the debt was paid. They garnished my wages for a mistake on their part. This has to do with the G.I. bill. I received a debt due to their error and now it has been on my credit report.
Product: Credit card or prepaid card

I was invited several times to apply for a XXXX  credit card, I finally did it and I was denied, the reason they said it was because I was late on my other credit card. I have all my statement I have never been late with them or any other card. When I called customer services they passed me from Business card department to customer service to XXXX  department etc 8 times without solving anything or showing proof of where I was late. when I asked to make a formal complaint or speak to supervisor they kept sating they couldn't hear me. I hang up and called again, the same thing happened when I asked to speak to a supervisor, suddenly they couldn't hear me. So they refused to prove i was ever late and refuse to take my compliant.
Product: Mortgage

We have been in the process of assuming a XXXX mortgage with freedom mortgage since XX/XX/2023. After about a month of waiting and calling, we were finally assigned someone to process the application. Another month passed and that processor reached out, asking for more information to close up the deal. We submitted all information and never heard from him again. A new processor reached out to us in XXXX to tell us that the other person didnt work with freedom anymore and that she would fast track our assumption quickly. We have not heard from her since. No one will respond to phone calls or emails. This is the absolute worst service we have ever experienced. The seller is losing money, we are losing money. Can someone please help? I dont think I will ever take a loan with freedom mortgage again in my lifetime.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank has information connected to a different person on my credit report and refuse to remove the information with XXXX Credit bureau. 
I called and spoke to a US Bank Fraud representative that stated she could not find my full name in their data system. I explained the accounts are dated before I was established in the US. Then, she wanted my information to mail forms to be filled out. I was hesitant on providing my personal information but they were going to send forms and someone from the company would contact me. She gave me the Claim ID number XXXX on XX/XX/2021. 
Nothing was sent and no phone calls yet two accounts were remove from XXXX and a credit card account continues to remain.
Product: Checking or savings account

On XX/XX/23 I made a XXXX deposit to the atmosphere at the bank branch, the money got stuck and ripped in the machine a XXXX I hit the button to return all tge money and the machine kept it and did not credit my acct at all. It was a XXXX and some XXXX. I filed a claim and the bank said because they couldn't find it I can't get my money back. They didn't even disassemble the atm.. I want my money back that the bank stole from me. Claim number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several bankruptcy on my credit however This is impossible I filed a XXXX XXXX and something got miss they made me correct and refile and after all of that it was the wrong jurisdiction so they dismissed it and made me file in a total different State City and County I got a full discharge XX/XX/2018 I did give the courts or any bureau to publish my bankruptcy as many times as they did due to lack of knowledge from court. It is clear you can only have one or the other and you get one every XXXX  years. The one in Ohio is accurate the rest are not. please correct my file immediately. lthough I continued to get wrong information I did not even qaulify for a XXXX  XXXX I did not meet the guidelines which was not very clear due to they had just change the law a few year prior to. 
This is what FRA says In accordance with the Fair Credit Reporting act 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 All is not reporting all my information correctly I know my cards report to all the credit agencies and you have missing information please update my file with the current address as well as the missing reports from my creditors and all those inquires need to be removed I did not allow my credit to be ran XXXX times or so and there is missing information on a couple of accts I do not know whom they are but need to be deleted I have been disputing these and you continue to leave them on my credit profile with no contact info or whom the original creditor was and I was not notified I don't who this is I have a common name and this is not mine
Product: Credit card or prepaid card

My XXXX XXXX XXXX son received an offer from Capital One XXXX credit card in XX/XX/2023. He is XXXX XXXX XXXX and won't be XXXX until XXXX XXXX Credit card companies should never ever be allowed to market to children. I'm shocked he received this in his name.
Product: Credit reporting

I checked my credit report through XXXX XXXX and XXXX on XXXX XXXX, XXXX and found an open collection account listed on my Equifax report. The original debtor " XXXX XXXX '' was included in my chapter XXXX bankruptcy filing on XXXX XXXX, XXXX, which was discharged on XXXX XXXX, XXXX. The new collection account was opened by XXXX XXXX XXXX, XXXX on XXXX XXXX, XXXX with a balance of {$0.00}. I called XXXX XXXX XXXX, XXXX on XXXX XXXX, XXXX and spoke with XXXX. I informed XXXX that the original debt was included in my bankruptcy discharge on XXXX XXXX, XXXX XXXX stated that they performed a bankruptcy scrub prior to listed the account as an open collections, but did n't see the debt under bankruptcy. XXXX further stated that she will note account as a bankruptcy and that it should be removed at the beginning of XXXX XXXX, after the update. 
I am disappointed with XXXX XXXX XXXX, XXXX 's remedy to resolve the problem. The original debt was legally discharged, therefore, no one should contact me about recovering the debt and more importantly, list the debt on my credit report as an " open collections '' debt. I am trying rebuild my credit and the inaccurate negative listing has caused harm to my rebuilding efforts with creditors. I feel that I should n't have to wait until XXXX XXXX for XXXX XXXX XXXX, XXXX to remove the inaccurate data ; it should be removed immediately. I tried to file a dispute with Equifax online ; however, I was informed that I need to fax or mail in a request, which would take longer to process. 

Consider This Summary : XXXX XXXX, XXXX -- Original debt included in the bankruptcy petition XXXX XXXX, XXXX -- Debt discharged by bankruptcy court. 
XXXX XXXX, XXXX -- XXXX XXXX XXXX, XXXX tries to collect the debt and lists on my credit report XXXX XXXX, XXXX -- I received an alert from credit monitoring companies XXXX XXXX, XXXX -- I verify the inaccurate data on my report. 
XXXX XXXX, XXXX -- I contact XXXX XXXX XXXX, XXXX ( i.e. XXXX ). 

Please pay close attention to the dates. XXXX XXXX XXXX, XXXX opened the inaccurate account one and a half months after the discharge.
Product: Debt collection

The company is ARS Solutions for some reason they are trying to collect a medical debt from some place called XXXX XXXX XXXX which is apparently located in Tennessee for the XXXX but I've never been to any of those places so can somebody tell me how I have a past due balance and why it's on my collections under my credit report and I've tried to speeding it in contacting them and it's getting me nowhere
Product: Debt collection

Hello, I sent a letter regarding the below referenced accounts over 30 days ago on XX/XX/2022 via certified mail. I have not received any bill or proof stating that I owe these accounts. The companies listed below have not sent me anything regarding these errors in billing and reporting on my credit file. Please have these INACCURATE accounts deleted ASAP. 

XXXX XXXX XXXX XXXX ARS ACCOUNT RESOLUTION {$960.00}
Product: Mortgage

My agent and I both sent my new homeowners policy to Suntrust for payment. I uploaded it directly on XX/XX/XXXX, my agent faxed it to them the same day. 

On XX/XX/XXXX I received a " Forced insurance '' letter from Suntrust, they had failed to pay my insurance on time, even though I have a fully funded escrow account. 

I called Suntrust who told me, ' We paid it today and there will be no lapse in coverage. '' Had I made a claim in the period from XXXX XXXX XXXX, I would have been uninsured. When I asked Suntrust where to file a complaint, I was told that there was nobody to complain to, I found this website on my own. 

This is absurd, they had my money, they had my new policy and yet they did not pay it, leaving me without coverage ( Sure they will back date it because I did not have a loss and they want the money ). This is completely unfair. If this is a pattern from Suntrust, they should receive sanctions or penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting the wrong XXXX credit card account number : XXXX to Equifax. I will call XXXX XXXX XXXX and have XXXX XXXX XXXX send notification to Equifax to report my correct XXXX XXXX XXXX XXXX credit card account on my Equifax credit report.
Product: Student loan

In 2005, I was forced into taking a private, co-signed loan for around {$8000.00} with XXXX XXXX ( now navient ). I was told to defer my loan or use forbearance. 13 YEARS LATER ... ..even with making income based payments for the last few years, I still owe over {$7000.00}!! 

I am currently a XXXX XXXX in a XXXX XXXX and I contacted them about loan forgiveness. I was told I didnt qualify because my loan was under {$10000.00}.