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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Product: Mortgage

Per previous complaint all documents sent faxed and emailed, Now all the paperwork that THEY lost is outdated.  I have just now emailed all current pay stubs from XX/XX/XXXXthrough XX/XX/XXXX. Again this is a problem on Carrington's part.  I hand carried the documents to a branch in XXXX XXXX Missouri handed them to XXXX XXXX – NMLS ID # XXXX Area VP – XXXX XXXX Carrington Mortgage Services, LLCXXXX XXXX XXXX XXXX XXXX, MO XXXX Phone: XXXX Cell: XXXXFax: XXXX Email: XXXX State Licenses: MO, KS, OK, IA, AR, NE, MI and the first person I spoke said there was no branch in Missouri. So here we are again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX, I paid this account off by settling this account. I paid XXXX to settle this account. I got an email confirmation from XXXX  ( XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX. It is stated in the email that the account was satisfied on XX/XX/XXXX, and the no further obligation on this debt. The payment cleared the bank XX/XX/XXXX. I logged into the XXXX  account today ( XXXX XXXX ) and it shows a balance of XXXX dollars and payment received XX/XX/XXXX. Well, on XXXX report as of XX/XX/XXXX, it shows the account in " charge-off '' status. Also, there is no indication that the account was paid and closed. Now on XXXX as of XX/XX/XXXX, it is showing that the account still in " charge-off '' status. No reporting the pay-off date or indication that the account was paid. The report date should be XX/XX/XXXX, since it was paid and closed XX/XX/XXXX.
Product: Credit card or prepaid card

I am a XXXX and charged a {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) fee on XX/XX/XXXX for a test that is due to take place on XXXX XXXX. 

Soon afterwards, I found out that someone was using my Discover Credit Card and I opened a fraud claim with Discover ( this has been resolved, except for this issue ). ( Discover accidently included this {$450.00} test fee in the fraud claim ) and put a hold on the {$450.00} test fee to XXXX. I did not realize what had happened until XX/XX/XXXX, at which time Discover said they would release the hold on the {$450.00} test fee back to XXXX. 

On XX/XX/XXXX, XXXX still did not have their {$450.00} off the hold from Discover, so they credited my Discover account {$450.00} and asked that I resubmit a new payment for the test. 

In order to not miss the deadline for the XXXXXXXX XXXX, I paid with A DIFFERENT CREDIT CARD, {$450.00}, on XX/XX/XXXX to XXXX to take the test on XX/XX/XXXX. ( Proof of all of this has already been sent to Discover ). 

Discover received their credit from XXXX effective XX/XX/XXXX to my account, however, refuses to take it off my bill AND is charging me interest on the money. 

I have been to the XXXX  and I have had many conversations with XXXX in the Dispute Department at Discover. The last request from XXXX at Discover Dispute Department wanted a statement from XXXX with the fact that a credit is due to my credit card, the last 4 digits of the card, the effective date of the credit due, and the amount of the credit ( {$450.00} ). XXXX promised when she received this information, then the issue would be fixed. She received this information via email on XX/XX/XXXX within days of her request and now XXXX/Discover is still refusing to stop the fraud and financial abuse of me as a consumer. 

The most recent conversation was today XX/XX/XXXX at XXXX XXXX where XXXX from the Discover Dispute Department said they will NOT remove the charge that ( 1. ) they were credited back the money by XXXX effective XX/XX/XXXX and ( 2. ) the test/product that the money was for doesn't even take place until XXXX ( so the charge could be easily removed ). 

I thought your company would be my next step for a resolution to stop the fraud and consumer abuse ( I expect the {$450.00} charge to be removed asap AND any associated interest, and hopefully a written apology ). 

This is fraud at the highest level. I am curious how many other Discover customers are being fraudulated by the credit card company, Discover.
Product: Credit card

I want to file a complaint against Kohls and Capital One. Without my request, Kohls switched my in store only card to a credit card that can be used anywhere. I did not request a credit card. I believe it is ILLEGAL to send out unsolicited credit cards. 
I also have to now go through the process of canceling the card, and that could impact my credit score, showing I had a card and had to close it. 
thank you
Product: Debt collection

Sent Email, documentation, and FTC and letter to South West Recovery and Credit Bureaus advising that what ever they are attempting to collect is not mine, and they have not provided any burden of proof indicating that it is. I have never had any accounts with this company nor its affiliates. Southwest Recovery provided a false statement and reinserted an account on my credit file in which was previously removed. 
The below numbered sentences is what was provided to me by the Credit Reporting Agency.

1. The request to block information was based on a material misrepresentation 2. You have agreed in writing that the information was blocked in error 3.You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. 

As such frivolous statements were made, clearly this company is in violation of the law according to 1. FCRA Section 623 XXXX XXXX XXXX XXXX UNION CORP. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ). 
2. FCRA Part ( A ) ( XXXX ) ( B ) ( XXXX ) XXXX. FDCPA Section XXXX ( b ), FTC opinion letter XXXX from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, No XXXX XXXX, XXXX XXXX. 
XXXX XXXX As such I am demanding that they DELETE DEROGATORY DEBT from all three credit bureaus ; XXXX, XXXX, and XXXX. If the information is not immediately deleted I will be forced to exercise my rights in a court of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I SENT IN LETTERS TO DISPUTE THE CLAIMS TO THE CREDIT BUREAUS. THE CERTIFIED MAIL RECEIPT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. I AM INCLUDING THE CERTIFIED RECEIPT NUMBERS BELOW FOR ALL CREDIT BUREAUS I SENT THE INFORMATION FOR DELETION TO.
Product: Credit reporting or other personal consumer reports

There is a XXXX account that needs to be removed from my credit file due to erroneous reporting which is a violation of the FCRA. I have the right to a fair an accurate credit report this account is not reporting accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we purchased appliances from our local XXXX XXXX store for delivery on XX/XX/XXXX. I produced a XXXX card to pay for the appliances. The store manager offered 5 % off and 12 months same as cash if we applied for a XXXX account. We agreed and the manager tried to enter information to process this. He seemed to have technical difficulty and there was a line that day. The total of our purchase was {$4700.00}. We received the appliances on XX/XX/XXXX. We did not receive any bill or statement for approximately 45 days. I went to the store and asked the same manager why we had not received a statement. He gave me a toll free number to contact XXXX. I did so. They asked me for my account number. I told them I did not have an account number but gave them all the information from my receipt. They stated they could not find an account. I went back to the manager and told him the situation. He stated it could take several weeks for them to process a new account and since it was 12 months same as cash, as long as we paid the balance in full by XX/XX/XXXX we would be fine. We received no statements, bills or collection notices. We applied for a farm loan. We received a call from the bank that ran our credit history. He stated there was a " charge off '' from XXXX in the amount of {$5900.00} dated XX/XX/XXXX. This occurred on XX/XX/XXXX. I contacted XXXX to pay my account in full ( the original {$4700.00} ) but they said they no longer had our account. They sold our account to XXXX XXXX XXXX, a different company. I contacted them. They stated they would only accept full payment in the amount of {$5900.00}. They also stated they would not delete derogatory information on our credit reports even if we paid the accounts. This is not right. Please help us! Thanks
Product: Debt collection

XXXX was closed in XXXX by company for non-pay. In XXXX I received a XXXX for debt cancellation. I never received any communication regarding this debt with the option to pay or settle. The company is now refusing to provide me with written communication that the debt has been written off. My credit report still shows the debt being valid. The company said all they can provide me with is verbal confirmation.
Product: Checking or savings account

Participated in " Up to {$500.00} for your business limited-time only '' promotion. Completed the requirements : " open a Bank of America business checking account and make qualifying deposits of at least {$5000.00} within 60 days of account opening '', also " Open a Business Advantage credit card and spend at least {$500.00} on the card within 60 days of opening a new business checking account ''. However, the bonus was not credited to my account.
Product: Mortgage

From the second they merged and took over my former SunTrust account, Truist has been a clown show of incredibly poor, actually nonexistent customer service. I had this former SunTrust HELOC that was closed during the real estate crash when my home collapsed in value in XXXX. I had been making regular payments on time since to pay off a fixed rate remaining balance. On XX/XX/XXXX I PAID IN FULL the entire balance. I attempted to request both a PAID IN FULL/XXXX  BALANCE/ACCOUNT CLOSED letter and also that Truist file the SATISFACTION OF MORTGAGE and send me a copy. The supposed customer service reps I communicated with seemed to believe this account is somehow still open. IT HAD BEEN CLOSED SINCE XXXX! IT IS NOW PAID OFF. ( XXXX ) I demand a letter acknowledging that this account is PAID IN FULL/XXXX  XXXX and CLOSED. ( XXXX ) I demand that this be reported to the credit bureaus by Truist as PAID IN FULL/XXXX  XXXX and CLOSED. ( XXXX ) I demand that Truist immediately record and file the SATISFACTION OF MORTGAGE and send me a copy.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies my financial intuition and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$24000.00} XXXX XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$230.00} XXXX  XXXX XXXX Balance : {$170.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ca XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Va XXXXXX/XX/2019Re: Acct XXXX Comenity Bank		Dear: XXXX XXXX   You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies may furnish reports under strict circumstances. One of them is Written consent or it's identity theft. 
Equifax, XXXX, and XXXX are reporting my consumer report improperly.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing. I am requesting immediate correction action to remove amend the disputed accounts, as Experians inactions violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian about two address that are listed on my credit report over 60 days now and they still haven't been removed. I have never lived at XXXX XXXX XXXX. nor have I ever lived at XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 XXXX. XXXX XXXX  XXXX Account Number XXXX XXXX. XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX XXXX XXXX Account Number XXXX XXXX. XXXX Account Number XXXX XXXX. XXXX Account Number XXXX XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX Account Number 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.

15 U.S.C 1681C ( 2 ) ( 5 ) Sections states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable believe that the information is inaccurate.
Product: Credit card

I opening up an American Express card account with my husband as an additional card holder. He was the only one who used the account. He handles our finances and when he logged on to the account, he checked the amount due and paid the entire balance as was noted. The next month, we found that Amex had charged us an interest fee of {$29.00} because there was an annual fee of {$190.00} and a credit of {$100.00} that was charged to my card. These charges did not appear on the account when my husband checked and paid the balance a month earlier. I called Amex and asked why these charges did not appear when my husband checked the account balance and was told that only the charges to his card were reflected when he checked - though that information was not noted when the account balance was displayed. I told Amex that that was a very poor policy and it resulted our being charged {$20.00} on a {$95.00} inadvertant underpayment - an effective interest rate of over 250 %. I asked that Amex waive the interest fee. They refused. I then asked them to cancel the card and refund the prorated portion of the {$190.00} annual fee. They canceled the card but refused to refund the fee though it had only been charged a month earlier. I have two complaints : 1. I would like a refund of the {$29.00} interest rate charge since the Amex account balance website was misleading and failed to advise my husband that not all account charges are reflected in the balance due which resulted in an underpayment of {$95.00} on the {$1400.00} bill that was paid. 
2. I would like a pro-rated refund of the {$190.00} annual fee that was charged XXXX/XXXX/2016 ( the card was cancelled on XXXX/XXXX/2016 ). Since it is an annual fee, and the amount is significant, I should have a refunds since I will not be given any access to any of the benefits from this fee once the card was cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries that is listed : XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPT EDXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.