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

609 dispute letter Dear Dispute Department : I am writing to inform you of an error on my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ).

Account Name : WELLS FARGO DEALERS SVC Account Number : XXXX Description of Dispute : Account has reported non payment since XX/XX/2020, payment did have prior late payments due to COVID-19 financial disaster. Account reports closed account when is current and open, has reported bad payment history, Incorrect loan holders information, Incorrect. 
Evidence Enclosed : have spoken with both loan provider and credit reporting company. Please advise. 
I am requesting that you remove this information from my credit report. Thank you for your help. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 3 unauthorized inquiries on my Transunion credit report. They are as follows : XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, and XXXX XXXX - XX/XX/XXXX. I sent certified letter and disputed online. They have not been removed. They are negatively impacting my credit score and increasing my cost of borrow. Please remove immediately.
Product: Mortgage

I used the mortgage loan with Loancare company asking me to buy HO6 insurance. I used the same HOA insurance more than 10 years. I never changed the loan and the previous lender did not ask the additional insurance such as HO6 since I rented the property for 10 years. I double check my HOS confirming the current insurance covering the wall to wall structure. Please have them correct the insurance status and not forcing the redundant insurance for the consumer finance mortgage. Please contact me if yo have any question at XXXX. Regards, XXXX XXXX.
Product: Checking or savings account

BOA refuses to disburse funds from my deceased XXXX  account. As executor I have sent in the requested documents twice by fax, once by mail, and twice in person. I have been attempting to handle this since XX/XX/2021 to no avail. I have all documentation proving they have not disbursed the funds despite receiving the info they have requested.
Product: Debt collection

Complaint Against Smile Direct Club and Associated Debt Collector HFD To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : I am filing this complaint against XXXX XXXX XXXX and its associated debt collector regarding unethical billing practices and failure to deliver services as promised. Below are the details of my concerns : Discontinuation of Services : I paid for a service that is no longer available to me due to XXXX XXXX XXXX 's announcement that the Lifetime Smile Guarantee has been discontinued effective immediately. This significant change directly impacts the value of the service I purchased and leaves me without the promised benefits. 
Ongoing Charges Without Services Rendered : Since the announcement of Smile Direct Clubs bankruptcy, I have not received any services or products, yet my account continues to be charged. This lack of service contravenes the terms of the agreement, which clearly stipulates payment in exchange for ongoing services. 
Unresolved Concerns : Despite my attempts to resolve this matter directly with XXXX XXXX XXXX and the debt collector, my concerns have not been addressed. This continued charging of my account without providing services is both unfair and appears to constitute unethical billing practices.

Resolution Requested : To resolve this matter amicably, I request the following actions : Immediate cancellation of my account balance. 
A full refund of all payments made from XX/XX/year> to the present. 
I trust that you will investigate this matter thoroughly and ensure that XXXX XXXX XXXX and its associated debt collector are held accountable for their actions. 

Thank you for your time and attention. I look forward to your response.
Product: Mortgage

To whom this may concern I XXXX XXXX feel I wasn't treated fairly at my Closing .XX/XX/2017 I purchased a home for XXXX I was granted Ga DREAM XXXX the seller gave me 3 %, EARNEST MONEY, APPRAISAL, XXXX XXXX XXXX XXXX XXXX Realtor XXXX I paid on my closing date. Closing lasted 4 hours my folder wasn't right numbers didn't add up everyone at the attorney office was aggravated it was very unprofessional and embarrasing
Product: Checking or savings account

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Checking Account Ending In XXXX Dear Mr. XXXX : I am writing to respond to the complaint our office received from the Consumer Financial Protection Bureau ( CFPB ). I understand you expressed concern with a transaction from XXXX which was deducted from your checking account ending in XXXX on XX/XX/2019, in the amount of {$1000.00}. My attempt to contact you at your telephone number on file, XXXX, was unsuccessful. As such, I felt it best to communicate in writing. The Bank apologizes for any inconvenience you may have experienced as a result of not having access to your funds through TIAA Bank. Records confirm on XX/XX/2019, you initiated a XXXX transfer through your TIAA Bank account. Specifically you requested {$1000.00} to be deducted from your XXXX XXXX account ending in XXXX to be credited to your TIAA Bank   the following day. Bank records confirm on XX/XX/2019, these funds were successfully transferred to your TIAA Bank account as requested. If the funds were never credited to your TIAA Bank account, we request you reach out to them as the XXXX transfer was initiated through TIAA OLB Money Request. I hope this correspondence has addressed any concern you may have had regarding this matter. Please be assured as a valued customer of XXXX XXXX, our commitment is to provide you with the highest level of customer service and consistently exceed your expectations. Should you have any additional inquiries, please contact me directly at XXXX during my office hours of Monday through Friday from XXXX XXXX until XXXX XXXX Eastern Standard Time ( EST ). Respectfully, XXXX XXXX Office of the Chairman CC : Consumer Financial Protection Bureau ( CFPB ) CFPB Case Number : XXXX
Product: Credit card

I placed an order of a XXXX XXXX from XXXX XXXX, using my American Express credit card. 

Around XXXX, I received an email saying that my guitar has arrived few hours ago. 
I checked around my porch, but could not find the guitar. 
I did NOT hear any ring nor was asked to sign for delivery of such expensive item. 

I reached out to XXXX XXXX first, the person told me to file a claim with the XXXX. The merchant tried to avoid the liability, when they are the one who did not require the signature or any safety device on this. 

Following the instruction, I tried to start a claim on XXXX, but as shown in the last page of the document I have attached, XXXX XXXX DISABLED the claim initiation! 
They basically removed every single option for me to resolve the issue. 
I should not be liable for the product that I have never received. The delivery proof photo provided does not even show the label at all. 

So I opened a dispute with American Express credit card. I have mentioned everything, but American Express did not pay attention to the details. Without taking a closer look, they sided with the merchant and billed me for the product that I have NEVER received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in numerous dispute letters and validation letters to XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX, XXXX does NOT investigate Conns Credit corp. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter stating that the account was verified. I then send in a letter to see how the information was verified and I never receive a response back. The law states that the consumer has the right to request validation. 
The Fair Credit Reporting Act 15 U.S.C 1681 is the written law and XXXX XXXXXXXX XXXX, XXXX is breaking the law by not abiding.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Sallie Mae on XX/XX/2020, the due date of my loans, inquiring about forbearance due to the coronavirus pandemic. My account was put on a disaster relief forbearance that same day. I specifically asked my account manager XXXX employee ID : XXXX XXXX if they would be reported as late to the credit bureaus. After putting me on hold to speak to his supervisor, he said no they should not be reported as late due to disaster forbearance and if they are erroneously reported late to call and they would be removed. It has been challenging to get anyone from this office on the phone and regular customer service won't help me. 

Governor XXXX XXXX forced the closure of all non-essential businesses in my area, XXXX county in Pennsylvania, as of XX/XX/2020. I am not able to work due to this which is why disaster forbearance was given. I should not have to spend hours on the phone with Sallie Mae trying to remove late payment reports when they specifically told me they wouldn't be reported. I have been penalized for prioritizing having a place to live over paying student loans during a national emergency/pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple addresses on credit report, I verified my current and only address, for all others are undeliverable and must be removed as per FCRA. Mailed in copy of state issued driver license, and bank statement with my current and ONLY address. All three credit bureaus still have multiple addresses on my credit report and all 3 have different addresses? 
Many of these addresses, I have not lived there? Furthermore there are 23 different XXXX XXXX that resides in a 50 miles radius here in XXXX, Tx. 
! I have ONE social security number, ONE drivers license, ONE address, ONE birth certificate, everything matches??! Why do I have multiple ADDRESSES on my credit report?, you can only claim ONE address for your place of residence in Texas its the LAW. My credit report is no different? I have mailed ( certified ) letters to all 3 bureaus and they still refuse to correct these fraudulent errors, on my credit report, my next course of action is to file a lawsuit in small claims court against all 3 bureaus.
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 financial loss, and I seek appropriate redress from the company ( 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 process 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter warfield acting on behalf of XXXX properties is claiming I owe {$4400.00} to XXXX properties. 

They have my personal information including my date of birth, ssn, mothers name and other information of mine. 

This debt is not my debt as I have never had any dealings with XXXX XXXX and have never rented from them. 

I have tried multiple times to get this removed from my credit report but it keeps coming back.
Product: Credit reporting or other personal consumer reports

Dispute With XXXX XXXX XXXX  Regarding Account of XXXX XXXX - Account Ending in XXXX I am writing to bring forth a matter of utmost concern with regard to the credit reporting practices enacted by XXXX XXXX XXXX. It has come to my attention that XXXX XXXX XXXX  has engaged in the dissemination of inaccurate information on my credit profile. Specifically, I have been subjected to unwarranted fees associated with an account that had, in fact, been rectified to possess a XXXX balance. 

Subsequent to extensive discussions held with various representatives of XXXX XXXX XXXX, a definitive chronology of events surrounding the adjustment of the aforementioned account has been established. On XX/XX/XXXX, an imposition of a late fee in the sum of {$28.00}, coupled with an annual fee amounting to {$39.00}, was duly recorded. It is worth noting that the erroneously applied late fee was expunged on XX/XX/XXXX. Further, on XX/XX/XXXX, the annual fee of {$39.00} was duly rescinded, resulting in the restoration of a balanced state amounting to XXXX. 

However, I have ascertained that XXXX XXXX XXXXXXXX XXXX automated system, in an unwitting capacity, erroneously generated late charges on both XX/XX/XXXX and XX/XX/XXXX, concurrently with the imposition of ancillary fees that were neither warranted nor intended. This unsettling development prompted me to directly engage with the company. I am pleased to acknowledge the company 's acknowledgment of the error and subsequent issuance of credits on XX/XX/XXXX ( {$39.00} ), XX/XX/XXXX ( {$39.00} ), and XX/XX/XXXX ( {$30.00} ), thereby reinstating the balance to a total of XXXX. It is imperative to underscore that as of XX/XX/XXXX, the account remains devoid of any lingering obligations. 

My discourse with representatives of XXXX XXXX XXXX  has yielded verbal acknowledgment of an inherent flaw within their system. However, in recognition of the potential for misrepresentation within credit reporting, coupled with the associated legal ramifications, the bank finds itself constrained from overtly articulating this acknowledgment within written correspondence. As a result, the bank intends to issue two ostensibly ambiguous letters. The initial communication will merely indicate the present equilibrium of the account, while deliberately abstaining from delving into specifics surrounding the credit adjustments. The subsequent communication will serve to inform me, as a matter of courteous communication, of the bank 's proactive endeavors to rectify the situation through correspondence with credit reporting agencies. Importantly, these communications shall meticulously refrain from making any allusion to the erroneous attribution of belated payments within my credit record, or any indications of the bank 's culpability in the matter.
Product: Credit reporting or other personal consumer reports

Im writing today because some information reporting on my credit file accounts such as open sky credit card and XXXX  XXXX bank is reporting late payments, which I have statements down below to show I wasnt late, Im asking your company to please immediately remove these late payments. These late payments are damaging my credit report and for me to obtain future credit as well.. 
I have statements for XXXX credit card where is shows I did indeed make payment for XX/XX/XXXX And for XXXX  XXXX bank # XXXX I have statement as well showing I made payment for XX/XX/XXXX XXXX XXXX acct- # XXXX XXXX XXXX acct # XXXX Thank you
Product: Debt collection

Pulled my credit report and disputed with credit bureaus on XX/XX/2024. Which immediately came back as verified on XXXX. 

Reached out to DRS on XXXX and again on sent the same letter requesting that they verify the the debt by sending application of credit, the cardholder agreement and the monthly statements. I sent another letter again on XXXX and I have yet to receive anything on this text by mail as requested. 

I have ask them to remove this item from my credit by failing to provide proof of this debt and they have yet to do so, The amount that they are asking on my credit report is {$1300.00} but I received a text asking for {$1700.00}
Product: Credit card

I paid XXXX XXXX XXXX {$620.00} on XX/XX/23 for services. They did not perform the services and agreed to refund my {$620.00}. I received a letter from US Bank and need help filling out the return form enclosed in the letter. The letter says it needs to be returned by a fax machine. I don't have a fax machine or access to a fax machine. I need to send the information via e-mail. I have been calling US Bank and they have not returned my calls.
Product: Credit card

In XX/XX/XXXX, Chase advertised a promotional offer for their XXXX XXXX card, which included, among other terms, a " welcome bonus '' for new cardmembers, whereby Chase would pay/credit {$200.00} after the new cardmember spent {$500.00} within the first three months of account opening. I signed up for the card on that premise, spent well over the spending threshold within mere weeks of account opening, and patiently waited while weeks and months passed by without the welcome bonus being credited to my account. I tried several times to inquire about the issue on Chase 's online chat platform, and received a message along the lines of " I can not help you with that '' each time. Eventually, I called the customer service line multiple times, including twice today, XX/XX/XXXX. I spoke with three ( 3 ) different Chase representatives, each of whom lied to me in different ways about the status of the welcome bonus. The first told me that " the account was not eligible for a welcome bonus '' because the offer is no longer if effect ... notwithstanding the fact that Chase is marketing the very same promotional offer on its website today. The next serivce rep. reviewed my account and saw that I had earned " cash back '' based on spending, then tried to convince me that the " cash back '' I earned was actually the rewards bonus, and it had already been applied... it had not. The third Chase rep. then told me that the offer that was in effect at the time of my application was no longer available and could not retroactively be applied to my account, and that there were no other individuals at Chase who had the power to add the bonus to my account.
Product: Student loan

Please see complaint XXXX. I received a call back from the company, but I did not receive any information on the issues I requested for ( XXXX ) a complete loan history or ( XXXX ) an explanation for why my loan statuses were changed from forbearance to graduated repayment. Additionally, during the conversation, it became clear my loan payments made during the pandemic XXXX not have been properly applied.
Product: Credit reporting or other personal consumer reports

I am requesting that Equifax conduct a proper and thorough investigation of the inaccuracies I have disputed. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to perform a reasonable investigation of any disputed information. Merely responding within 24 hours without any evidence of such investigation does not satisfy this legal obligation. 

Additionally, this practice appears to violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair, deceptive, or abusive practices. The CFPB has highlighted similar concerns in recent administrative proceedings. 
I expect Equifax to provide evidence of a proper reinvestigation, including documentation or communications with the furnishers of the disputed information. If this matter is not resolved appropriately, I have had no choice but to escalate my complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal recourse. 

I want XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX removed from my report. 

Please confirm receipt of this complaint and provide an update on the steps you are taking to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

3rd notice, I file a complaint against Equifax, due to the fact they will not correct the information on file Last reported XX/XX/2020 {$110.00} Open balance XXXX XXXX XXXX  Original creditor XXXX  OpenedXX/XX/2020 ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes this account information Collection account Original creditor nameXXXX XXXX XXXX This item showed that it has been paid, for several month the item set up before they took the payment- Our heath card paid it XXXX  Account XX/XX/2020 {$110.00} our HSA card paid this amount
Product: Debt collection

On Friday XX/XX/2018 at XXXX in the XXXX, I received a text message from a receptionist at NCMI on their personal cell phone, asking what my husbands middle name was. When I responded asking her How come she proceeded to tell me that my husband and myself have accounts in their office with XXXX XXXX. I feel that this is a direct violation of my privacy, as to why a receptionist is looking into my account and contacting me on her personal phone when we were unaware of having any accounts in the office before this. I IN NO MEANS HAVE EVER REQUESTED INFORMATION FROM HER PERSONALLY NOR PROFESSIONALY.
Product: Mortgage

On numerous dates as recent as  XXXX / XXXX /   2017  and  XXXX / XXXX / 2017  I 've submitted DISPUTE letters to Nationstar Mortgage, LLC regarding the amount they charged during my sale of the home at the closing through  XXXX   XXXX   XXXX  ; in the amount of {$10000.00} for Escrow Advances.     I was forced to pay above amount on  XXXX   XXXX ,    2017  or be in  " Breach of Contract '' with the Buyer of our home .