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

Dear [ Credit Bureau Name ], I am writing to formally dispute several inaccurate entries on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). These entries are in reference to debts that are not mine and should be removed immediately from my credit file. 

The following debts are being reported inaccurately, and I request their removal from my credit report : XXXX : {$13000.00} Santander : {$26000.00} XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXX : {$2000.00} Furthermore, I would like to emphasize that all debts associated with the address XXXX XXXX XXXX are not accurate nor do they belong to me. I have previously submitted dispute letters to the creditors listed above without receiving verification of these debts, which violates my rights under the FCRA. 

Relevant Laws : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I am entitled to dispute inaccurate information on my credit report and request that it be corrected or deleted. The reporting agencies must investigate the disputed information and delete any entries that can not be verified as accurate within 30 days. 
Servicemembers Civil Relief Act ( SCRA ) : As a servicemember, if these debts are related to a time when I was in military service, I am entitled to protection from default judgments and certain collections actions. If these debts are erroneously listed as part of my credit report, I request their removal to ensure compliance with the SCRA. 
I demand that you investigate this matter and remove these inaccurate items from my credit report. Please provide me with written confirmation once these debts are verified or removed. If you are unable to provide valid verification, these debts must be permanently deleted from my credit file, as required by law. 

. 

Failure to comply with the requirements set forth in the FCRA and SCRA will leave me no choice but to seek legal action and report non-compliance to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. 

Please consider this matter urgent, and I expect a resolution in accordance with the law. Thank you for your immediate attention to this matter.
Product: Mortgage

HAVE STARTED MODIFICATION PROCESS SINCE XXXX!!!!!!!!!!!!! HAVE FAXED PAPERWORK, EXTENSION FORMS, XXXX XXXX XXXX XXXX! HAD TO CHANGE FOR THE 2 YEARS SEE ENCLOSED NOW TELLING ME WRONG???? WENT EXACTLY ON 1099S! THIS IS THE 20TH TIME I HAVE FIXED! ONLY NEED 3 MONTHS P & L WHY AM I SENDING 2 YEARS??????????????? AM AN XXXX AMERICAN VETERAN NOW THIS IS DISCRIMINATION! 5 MONTHS AND STILL KEEP ASKING FOR PAPERWORK! TALKED TO MY COUSIN AND OTHERS HE HAS HELPED AND SAID NEVER DOES ANY OTHER MORTGAGE BANK OR SERVICING COMPANY NEED THAT! WELLSFARGO DID SAME THING TO ANOTHER CUSTOMER AND IS XXXX AMERICAN! WELLSFARGO IS THE WORST BANK, HAVE PROOF OF SO MANY FAXES BUT CANT SCAN ALL OF THEM! IF NOT RESOLVED GOING ON SOCIAL MEDIA TO SHOW EVERYTHING! THIS IS DISCRIMINATION! TALKED TO VA ALREADY SAID WOULD APPROVED!
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 violates 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Early in XX/XX/XXXX, I refinanced my mortgage with Flagstar Bank and agreed to a monthly payment of {$1300.00} with a XXXX-year term. However, Flagstar Bank and its vendor XXXX underestimated my city taxes by approximately {$1100.00}. The actual city tax bill is {$1100.00} and Flagstar estimated them at a yearly rate of {$16.00}. Therefore, I recently received notice that my bill will go up nearly {$200.00} to a new monthly payment of {$1500.00} as of XX/XX/XXXX. 
So far, I have contacted XXXX XXXX and XXXX XXXX about this problem, but they were not able to offer an agreed-upon solution. Through this process, it was uncovered that XXXX did not pay the XX/XX/XXXX city tax bill, which resulted in a delinquent fee. The interim bill was made available in the XXXX half of XX/XX/XXXX. I received correspondence stating that they did pay it in full and also paid the delinquent fee, since they made a mistake. Please see the attached copy of the bill. 
Furthermore, when I got my first loan with Flagstar before the refinancing, the company escrowed {$360.00} per month as of XX/XX/XXXX. The new loan shows a monthly escrow of only {$320.00}, even though my taxes have not come down. In my opinion, this is a negligible error that could have been avoided if Flagstar Bank would have researched the loan and taxes correctly. There is no way that school taxes could be well over {$1000.00} while county taxes were assessed at merely {$16.00} for the entire year. Furthermore, this is a new house worth {$380000.00}, so the low county tax should have been questioned during refinance. If this would have been done and if Flagstar would have contacted its third-party vendor XXXX, Flagstar should have been able to uncover the actual, correct tax amount for county taxes. 
There is no doubt that taxes do increase from time-to-time ; however, a newly built house that is worth {$380000.00} is responsible for more than {$1.00} per month city tax bill. This is an error that was not caught by Flagstar Bank and ( or ) its vendor when the company assessed the city tax bill to be {$16.00} when, in actuality, the bill is {$1100.00}.
Product: Debt collection

Gurstel law firm sued me for a very old debt that was apart of a class action lawsuit with XXXX. The debt was past the statute of limitations and I was not served or given proper notice that I was being sued. 

They have started to garnish my wages due to this illegally suing me for old debt and debt that was forgiven in a class action lawsuit.
Product: Payday loan, title loan, or personal loan

on or about XX/XX/XXXX, i applied for a secured loan with one main financial in XXXX indiana. 
i submitted all required paperwork, and my loan was approved with a re-finance of a vehicle in my name that has quite a bit of equity in it. 
i was very clear in every step of this process that the vehicle in question was registered in North carolina, as i am a nice mom and purchased this vehicle for my daughter. 
One main even informed me that they were aware of the vehicle being registered in North carolina. they confirmed this as true as they were able to see an electronic title and registration for my vehicle. 
i went into the branch in person to work on the paperwork for loan closure. 
when i went into the branch the manager informed me that they assumed my vehicle was registered in Indiana since north carolina and indiana vehicle titles look the same Even though i asked repeatedly they were aware the vehicle was titled in NC. 
one main said sorry, we cant do this loan and denied it. 
i received a letter with adverse credit actions taken- which i dont understand as the loan was approved. 
I reached out to corporate on XXXXand asked why a financial institution is not doing due diligence to validate customers Personal information when applying for a loan. 
I also want to know what the adverse action letter was received that my loan was denied for high loan to income value - but the loan was Approved. 
corporate called me back on XXXX and said they would investigate but would be leaving the office early. they asked i provide a copy of my vehicle in questions registration, which i did on XX/XX/XXXX. 
when i did not hear back from corporate by XX/XX/XXXX i reached out again to ask for an update. 
corporate gave me the run around again, saying they did not receive my registration photo ( why they didnt reach out and tell me this no idea ) so i resent the copy of registration again on XX/XX/XXXX. 
It has no been almost 30 days and i still have no answers on why the loan was approved and then denied with false reasons, why i received an adverse notification letter, and why one main who is a financial institution has no regard for customers PII information, or does not do due diligence when working through a loan. 
i myself work in a financial institution, and this is NOT the way we treat customers and their sensitive data.
Product: Credit reporting

I left the XXXX, XXXX address in XXXX XXXX and sold the XXXXXXXX address in XXXX XXXX when I exited the XXXX. I do not understand why addresses that are over XXXX years old are still on my Equifax credit report and not my most recent addresses? Please correct to reflect my most recent addresses : XXXX Deer XXXX XXXX, XXXX XXXX, XXXX XXXX - OWN/purchased XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX 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 XXXX, XXXX XXXXXXXX XXXX - XXXX I purchased my second home to escape the noise in apartment living. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX/purchased XXXX I also only own XXXX homes and not the XXXX reported by Equifax. My second mortgage was initiated with XXXX company. XXXX sold my loan to XXXX effective with the XXXX XXXX payment. Please correct the error associated with the number of homes/mortgages that I hold. That error has an impact on my credit standing. Thanks for all that you do. Have a wonderful day.
Product: Money transfer, virtual currency, or money service

I was scammed on Zelle. Person used Zelle to steal {$2200.00} from me from a fake XXXX for sale listing on XX/XX/year>. Once the money was sent they immediately unenrolled the Zelle account and blocked me on all forms of communication. My bank, XXXX XXXX, and Zelle itself told me there was nothing they were willing to do about it and that my money was gone.
Product: Credit reporting or other personal consumer reports

ChexSystems provides canned answers to my request to correct ( essentially to do their job and actually review and compile a credit report ) my credit report. I tried several time to file a complaint about their missing information resulting in and inaccurate report. They simply won't respond with an actionable answer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are continuing to report inaccurate information on my credit report. I've tried to fix an error many times, but this request has fallen on deaf ears. On XX/XX/23, I sent dispute letters to the above credit reporting agencies informing them that the account ATTORNEY GENERALXXXX XXXX is being reported incorrectly. They both are reporting inconsistent information when all data furnished should be the same. Transunion is also reporting the wrong balance. How does this meet FCRA requirements? XXXX is the only credit bureau that investigated the account and updated it. I will attach the credit report showing the inconsistent information. The late payment should be deleted immediately because I was never late, and because your information does not match, and I can take this to small claims court but at this time I am only asking for the account to be updated.
Product: Credit reporting or other personal consumer reports

Yesterday, I pulled my 3 bureau credit report and discovered that I was a victim of ID Theft. I just obtained my ID Theft Police Report from my local police department. 
Below are the fraudulent collection accounts that I am disputing to XXXX permanently deleted from my 3 bureau credit report : XXXX. XXXX XXXX XXXX - Account Number : XXXX - XXXX - Reporting on 3 of my credit bureau 's XXXX. XXXX XXXX XXXX - Account Number : XXXX - XXXX - Reporting on just Experian
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint against TransUnion and Request for Compensation Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion regarding the accuracy of information on my credit report, specifically concerning derogatory accounts and inquiries. The accounts and inquiries in question are as follows : **Derogatory Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These derogatory accounts and inquiries have caused severe hardship, and I am concerned about the accuracy of the investigation process conducted by TransUnion. I refer to the findings outlined in 15 U.S. Code 1681 and believe that TransUnion may not have adhered to fair and equitable procedures as required by law. 

Furthermore, the recent CFPB article expressing concerns about TransUnion 's handling of consumer disputes raises additional doubts about the validity of the reported information. 

I am also seeking fair compensation of {$1000.00} per violation for the significant hardships I have endured due to the inaccuracies in my credit report, in accordance with applicable laws and regulations. I request a thorough examination of the damages incurred and appropriate restitution. 

I request a thorough investigation into the methods used to validate the accuracy of the aforementioned derogatory accounts and inquiries and details on how TransUnion ensured compliance with the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX XXXX XXXX XXXX XXXX XXXX appeal their decision to deny/decline my application for a XXXX XXXX XXXX account. In a letter I recieved from XXXX dated XX/XX/2021, they stated that their decision was based on information found in my Experian credit report. XXXX 's letter stated the following reason XXXX XXXX ) for not approving my application : Delinquency or other derogatory relationship with your bank Insufficient balance in deposit and investment accounts with your bank Too many requests for new credit in the past 2 years One or more accounts are over the credit limit First, my middle XXXX credit score is over XXXX and my gross annual income is over {$270000.00}. XXXX 's own letter stated that my credit score was XXXX. Furthermore, XXXX 's letter states, " scores calculated can range from a low of XXXX to a high of XXXX scores are better. '' I do NOT have any accounts whatsoever in my credit reports, including Experian, that are over the credit limit. In fact, all credit cards under my name are at a XXXX balance with a combined available credit limit exceeding {$89000.00}. Secondly, XXXX 's credit card application does not explicitly state that an applicant must have a balance with XXXX XXXX or that the XXXX XXXX credit card requires a deposit with XXXX XXXX. One entry in my Experian Credit Report listing XXXX XXXX XXXXXXXX was an error reported by Experian XXXX I have never had an auto loan with XXXX XXXX XXXX. Upon receiving XXXX 's letter dated XX/XX/2021, I contacted Experian to dispute this entry, and it has since been removed, see attached. I believe XXXX may be engaging in discriminatory practices in granting or deny credit to certain consumers. I respectfully request that you inquire wit XXXX on my behalf and other applicants with similar profiles. 

Thank you very much for your consideration and attention to this request. 

Sincerely, Consumer
Product: Credit card

On XX/XX/year> I received XXXX letters. XXXX from kohls with a credit card in my name. I did not apply for this card and I did not make any purchases with this card. I called Kohls on XX/XX/year> at XXXX hours and no one was available to speak with. The recording stated as of XX/XX/year> a different time zone, I had a balance of {$690.00} and a balance of {$4.00} to use. 

The second letter I received was from XXXX stating Thank you for your recent credit card application. We are unable to open a XXXX XXXX XXXX card for you at this time. I did not apply for a XXXX credit card. 

I contacted XXXX and filed a fraud report and placed a freeze on my credit report enquirers.
Product: Credit card or prepaid card

XX/XX/XXXX CFPB USAA Response XXXX REPORTS FRAUDULENT FRAUD REPORTS. see attatched XX/XX/XXXX statement. The Fraud Claim I REPORTED XX/XX/XXXX XXXX INCLUDE ALL THE ADDITIONAL UNAUTHORIZED REPORTS USAA HAS FRAUDULENTLY REPORTED FOR TWO YEARS. ** see XXXX statement. The Unauthorized USAA CLAIMS BETWEEN XX/XX/XXXX XX/XX/XXXX {$180.00} BETWEEN XX/XX/XXXX - XX/XX/XXXX {$59.00} & XX/XX/XXXX {$230.00} ** TOTAL MY FRAUD REPORTED {$470.00}. USAA DUPLICATED MY REPORT.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( 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 disputed information outcomes. These failures align with my experience, where Experian has neither corrected nor remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card

I have always paid off my credit card each month to avoid credit card interest charges. Navy Federal, however, recently ( XXXX XXXX  ) began charging interest from the day the credit card is used and each day the amount is outstanding. To me, this means paying off my credit card balance each month is no longer good enough and I will be charged interest. This seems to be a form of " usury ''. Is this type of daily credit card interest charge permitted in the United States when you pay your credit card bill off in full each month after receiving the bill? Is it proper for Navy Federal credit union to do this sort of thing?
Product: Checking or savings account

On XX/XX/2023 I was going to open a CD at Marcus by Goldman Sachs Bank USA for their advertised 10 month CD with a rate of 5.05 % that had an OFFER EXPIRATION of XX/XX/2023. However, now when I go to claim that advertised rate, Marcus has changed the offer and will not honor the advertised rate, despite being clearly before its expiration date, in violation of U.S. law on offers and advertisement. You can not offer an advertisement with a specific expiration date then choose to not honor that offer when someone comes to accept it before the expiration date. I called Marcus to see if they would honor it and was flat out told no by two different people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX This company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

Volkswagen Credit is in violation of the Fair Credit Reporting Act, pursuant to 15 U.S. Code 1681a ( d ) ( XXXX ) ( A ) ( i ), by reporting transaction history/experience on my consumer report. Transaction history includes " late payments '' and is to be EXCLUDED from any and all consumer reports. 

I have sent notice to Volkswagen Credit 's dispute address of this inaccuracy with the letter attached below over 1 month ago, XX/XX/2023. And I have not received any response.
Product: Debt collection

I rented from XXXX XXXX XXXX XXXX in XXXX XXXX Florida and gave them a move out date of XX/XX/year>2024. I had moved out and returned my keys before the close of business that day per notification and my lease requirements. The apartment XXXX is trying to charge me and has a whole days rent for that final day even though it falls into the purview of my contract obligations. I have tried to dispute this with the debt collector to no avail as the apartment XXXX insists that she spoke to me several times about this which is a complete and total lie.