23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about CITI BANK CBNA and XXXX Credit Bureau. I noticed XXXX unauthorized inquiries on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX and XX/XX/XXXX because I did not apply for credit with CITI BANK CBNA. 
Please launch an investigation into CITI BANK CBNA inquires to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if CITI BANK CBNA is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Product: Debt collection

XX/XX/XXXX called Wakefield and Associates to close account with XXXX XXXX for XX/XX/XXXX bill that was originally {$2000.00}. XXXXXXXX XXXX account # XXXX XXXX not paid because original bill charges for XXXX XXXX fees and this XXXX  was never seen. 
On second visit returned to visit XXXX XXXX and never seen him but a bill was sent to me billed in his name. 

I agreed to pay a reasonable rate for reduced services {$500.00} or {$200.00} to close case and gave the customer service agent my Attorney name who originally handled case XXXX XXXX XXXX and she became belligerent and vulgar insisting on speaking abusive and said she speaks to attorneys the same. So I terminated call and attempted 3 times to call back and she hung the phone up x2 and lastly transferred me to a XXXX phone answering machine. 

I called back after 3 minutes and spoke with a customer agent who verified she was the account manager and I gave him my attorney who handled the case XXXX XXXX office number to verify my statement and concern with XXXX XXXXXXXX XXXX XXXX bill. 

Please help to resolve bad business practices from Wakefield and Associates. Also the XXXX has a portal of repeated bad practices from Wakefield and Associates.
Product: Mortgage

Amerihome Mortgage charged me for a " gap in insurance coverage '' when in fact there was no gap. They claim that there was a gap between XX/XX/2022 and XX/XX/2022 and charged me {$29.00} even with proof of coverage.
Product: Credit card or prepaid card

To Whom it may Concern : Incident that started the dispute : I booked a flight for my sister to take to DC from XXXX on the capital one travel site aboard XXXX XXXX, an addition checked bag was purchased for inclusion on the flight. She had checked into the flight on her phone at approximately XXXX XX/XX/XXXX and rechecked in for the changed flight at approximately XXXX XX/XX/XXXX. Upon arrival at the XXXX XXXX XXXX ( XXXX ) at XXXX she proceeded to the frontier check-in desk and arrived at XXXX to drop off her checked-in luggage. No frontier employees were present at the desk to check-in her bag. Airport management responded that the frontier employees had left at XXXX. Due to not being able to check her bag she was forced to not take the flight, as her bag had items that were not XXXX approved for carry-on and must be checked. She recorded video at the airport that night which has clocks on the wall visible, and airport management staff confirming the departure of XXXX XXXX staff. Upon calling XXXX XXXX their customer service informed me that they would not refund or rebook the flight and I was to pay a {$150.00} no show fee. I politely told them that there was no staff to check-in the bag to which they responded that she should have arrived prior to XXXX. This was against their airline contract of carriage which allow check-in of bags up to 45-minutes prior to flight for all domestic travel. She had arrived at the counter at XXXX and the flight was scheduled for XXXX there remained XXXX minutes to departure. 

Capital one response : I put in three individual disputes with Capital One. One dispute was for the original charge on the capital one travel site of XXXX, the second was for the change of flight time with frontier of XXXX and the third was the checked bag fee paid to frontier for XXXX. I provided Capital one with documentation, screenshots of the video, and proof of check-in. Capital one responded with requests for clarification due to merchant response showing receipts for the flights. I responded that the charge itself was not in question, but the fact that services were not rendered and the airlines contract of carriage was broken. Capital one responded with closing the case for the airline checked bag fee of XXXX, and asking for me to provide hard/impossible information from a different travel company ( i.e. XXXX XXXX XXXX signed letter stating how they would handle the case ) in order to resolve the issue. Capital one stated that they can not go against the merchant 's policy in order to issue the refund. This contradicts the very nature of a dispute, as the merchant 's policy should not be the determiner of a refund but the card issuer 's policy. If Capital One only follows merchant policy than its dispute system is flawed and should be noted as saying that they can not go against merchant policies in the event of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Equifax since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were CHARGE OFF and MULTIPLE LATE PAYMENT accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing a fraud account on my credit report all this time on my personal profile but still youre not taking any action. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX, XXXX, XXXX ). I have never with these accounts listed below, so please help me remove these charge off and multiple late payment accounts from my personal profile. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

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

I submitted several disputes with the credit bureau for validation of alleged accounts as the Bureau reports that they supposedly belong to me. 

These accounts are reporting negatively on my credit report. I initially started the dispute with this Bureau on XX/XX/2017 via certified mail and I have submitted a dispute every 31-35 days asking for them to provide documentation that validates these alleged accounts. In each dispute attempt I specifically asked the Bureau to provide me the description of the procedure used to determine the accuracy and completeness of the information, the name, address, and telephone number of each person contacted and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. The Bureau keeps saying the account is verified, but never produced any of the information requested. 

I am quite displeased with the false reporting, and Bureaus verification method which is faulty and even when specific information is requested ; as supported by law, the bureaus that still insist on violating the law and our rights. This Bureau is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize XXXX XXXX inquirie on my credit profile Transunion, XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 22.JK financial loss , and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have tried to dispute an account XXXXXXXX  multiple times with XXXX and Equifax. I have stated to them that the information is incorrect. 

Its stating on my credit that I have XXXX missed payments with that company. I called the company and they admitted that information is incorrect and I have documentation to prove that I paid all the payments on time. They said they fixed it in their end but its still the same after months and its affecting my score. I can upload files showing payments if necessary. 

I want the accounts removed, thanks. 

Account again is XXXX XXXX
Product: Vehicle loan or lease

I told the Wells Fargo loan officer two payments was in on the first of that month they took the car on the XXXX of that month
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my auto 3+ years and 2 credit cards 2+ years on time without any lates. Pay off credit card balances every month. Why are all 3 bureaus still showing fico under 600?
Product: Debt collection

I paid them XXXX to stop foreclosure XX/XX/2019 and I call the bank and the last contact was in XXXX it is now XXXX and they are starting forclosue again and have a sell date
Product: Debt collection

On  XXXX   XXXX ,   XXXX  , I notified my  XXXX   XXXX   XXXX  that I had both moved and purchased a new vehicle and was moving my insurance to another company. I provided the proof from the vehicle purchase, proof of coverage from the new insurance company, and a written ( emailed ) statement of the cancellation. I had paid a full month 's premium on  XXXX   XXXX  and was not provided a refund for the pro-rated portion.     In  XXXX ,   XXXX   I began to receive outside collection notices claiming I owed a month 's premium and my account had been " cancelled for non-payment of premium. '' I contacted my agent,  XXXX   XXXX . At that point I was told by  XXXX   XXXX  that  XXXX   XXXX  was no longer the agent and that she would take care of the issue. In  XXXX ,   XXXX  ,  XXXX   XXXX  assured me the situation had been rectified and no collection would continue.     I have received another collection notice as well as having been informed that it is showing up as an uncollected debt on my credit report. I am working hard to rebuild my credit after   XXXX   XXXX   resulted in a loss of all assets and personal bankrutpcy. I have both contacted  XXXX  and sent a letter to the collection company more than once, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time reaching out to XXXX, Equifax, XXXX XXXX to request a investigation on the following account. XXXX I am not requesting XXXX to validate the information that is reporting. I was a Victim of Identity theft I have provide the police report and FTC regarding this account. After contacting the first Collection that was reporting the account XXXX XXXX XXXX XXXX this company sold the account to XXXX XXXX XXXX. After I requested the company to remove this account due the fraud. I am requesting XXXX to BLOCK the reporting of this account from being reported and resold by debt buyers.
Product: Credit card

On XXXX I contacted my bank regarding a fraudulent charge on my credit card. Then as my XXXX was going through my past statements we came across another fraudulent charge which I reported today XXXX My bank is XXXX XXXX Bank I contacted them at XXXX Because of some health issues and a hearing problem I asked my XXXX to be on the call to help me. The first person we spoke to at the bank was exceptionally rude to us, stating that he would not speak with my accountant even though I gave my permission to do so. I asked to speak to a supervisor and was put on hold for 25 minutes at which point I hung up. We called back immediately and this time the person asked for my permission for my XXXX to be allowed to take part in the call, I said yes and everything proceeded, why did the first person apparently lie to me in this regard and put me on hold for all of that time. I reported that I had XXXX fraudulent charges of {$3500.00} and {$2000.00} The lady I spoke to in the fraud department was about as helpful as the first gentleman and just as XXXX. She said she would file the fraud charges and maybe I would get my money back or maybe not. What the XXXX does that mean? I never authorized or took part in those charges in any way and explained that fact to her. My XXXX said that I have a XXXX liability when it concerns identity theft and or fraudulent charges, which these are. I will be changing banks next week without question.
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, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX NV XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX NEVADA XXXX ) XXXX Balance Owed XXXX {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$2500.00}
Product: Checking or savings account

I closed my account with Wells Fago 3 years ago. I kept having fraud done on my account. I had my card changed 5 times due to this and the last time it happened I went into the branch and went to the counter to take my money out and close my account and had all my information and they wouldn't let me close nor give me my money! But just 10 minutes before some one had taken my money through fraudulent activity. I had to wait to get my money and close my acount.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been negatively impacted significantly by XXXX erroneous reports. They have reported that I was late on my payments, or missed payments with them. This is absolutely false. I have never been late, nor have I ever missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is in response to your recent claim that [ DEPT OF XXXX XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking/debit account with Ally Bank on XXXX XXXX, 2021. I was attracted to this bank because it advertised the ability to make large mobile deposits, whereas many other banks restrict mobile deposits to amounts under {$1000.00} or {$2000.00}. My deposits tend to be larger amounts because I receive crop payments from farm land, and it's been difficult to get to the bank during the pandemic so I wanted the convenience of depositing checks from my home. On the date I opened my account, I deposited {$6900.00}. I activated my debit card on XX/XX/XXXX and tried to purchase an area rug for about {$600.00}. My card was declined several times so I contacted the bank. The agent told me that my debit card was denied due to exceeding the daily withdrawal limit of {$500.00} per day in point of sale transactions. I was told the limit would be increased after 90 days. Ally Bank did not disclose this daily spending limit in a way an average consumer or even an educated consumer could understand before opening the account. Although I was told the daily spending limit was for the " benefit of the customer '', I suspect Ally Bank is enticing consumers to open accounts by allowing large mobile deposits, but then severely restricting the use of those funds for 90 days in an attempt to strengthen its balance sheet. In other words, there is an inherent imbalance if a bank makes it easy for consumers to deposit large amounts of money " in '', but makes it difficult for consumers to take money " out. '' As a consumer, I felt swindled when I learned that I could not access my own money to buy simple household furnishings.
Product: Checking or savings account

On XX/XX/XXXX to the XXXX I have over a dozen charges on my account. I have opened I believe 11 disputes on these charges. They have turned it into investigation department and within 24 hours I'm denied. When I go over every transaction with customer service they verify that my charges do look fraudulent and assured me this time they fixed it and I'll get reimbursement. Then I get a email saying they found nothing wrong with my charges. There are over several locations I've never heard or bought from. The times used on my card. And the card they used. I get my dshs money directly deposited into my checking every month then I transfer it to my credit card. I don't use my checking account. If investigations did any investigation then they could easily see that it wasn't me. If they contacted any of the merchants they could of got video survalliance of who used my card. I was told to file a police report so I did. I sent them the file number and copy of my report. Every time I called them back to ask why I was denied again they could only say because I didn't provide more documents. I asked what documents? They never gave me specific documents they needed. The last time I called them the lady was very rude and said I would not be able to open another dispute. I requested the notes every customer service representative had on my account and a copy of any documents they needed they said they would email me but I never got a email with any attachments or copies or anything! This is been over a year now. I can provide copies of my bank statements from previous months so you can see my shopping /spending patterns. I'm going to attach the XX/XX/year>XXXX  bank statement and I highlighted any charges I don't recognize and believe to be fraudulent. There is also a deposit from someone named XXXX for XXXX dollars from when they had my card. I don't know that person and my card was missing at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2019, XXXX XXXX   XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, SYNCB/WALMART PLCC add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and notice inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, information that is inaccurate, or which can not be verified.

As I am POSITIVE you are aware as a injured consumer. UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to as for any and all of the above and below DEMANDS UNDER the terms of the Fair Credit billing Act of 1975 ( FCBA ).

As the Official notice of my right composed DECLARATION of not proven Complaint main information that is either or all of the following. YOU MUST ANNUL BY REMOVAL of any DEROGATORY and or ADVERSE AND YET unproven claims be it an account or an aspect of that account PLEASE as you MUST, delete the foul mis-reporting and display any and all of my accounts as being PAID/PAYS as agreed, NEVER LATE AND AS NOTHING ELSE ; XXXX  ACCOUNT : XXXX account is showing XXXX, and 60 days late, also shows account is being reported as negative by credit reporting agency. 

NOTATION : PER CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX complaint. 

Provider claims Late Payment yet has not proven even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of, TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to demonstrated TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. 

Unless you can document this not to be correct and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! 

Sincerely XXXX XXXX XXXX