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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Equifax XXXX Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit card

I initially decided to go on XXXX to look for a hotel on XX/XX/23. I have found XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX. I was using XXXX it took me to this parking lot where it wasn't XXXX XXXX XXXX XXXX. I called the hotel but wasn't able to reach the hotel I contacted XXXX and they weren't able to reach the hotel. So I asked them what would be the resolution because XXXX can't contact me and I can't find or contact the hotel. XXXX recommended that we cancel but with a penalty. I said I didn't agree with the penalty but I believe that I should cancel or get a refund because neither you nor I could contact the hotel to find the location. Then I contacted Goldman Sachs from experience they have never resolved any issues with anything before and I doubt that they would help but I am trying my best to get these companies looked at by the government and help me resolve the issue so I can recover my money back of {$160.00} because I don't believe that they were in the right of protection the customer. I believe that they have committed fraud activity because they have failed to protect the service that they provide and sell and when contacted by the customer to try to resolve the issue they weren't able to resolve it and still took payment from XXXX and XXXX XXXX XXXX hotel. When provided evidence I have never agreed to the penalty stated by Goldman Sachs. I do understand that this is a nonrefundable transaction but what do you want the customers to do if they can't find the services and XXXX is unable to contact the company or provide the services that it's advertising? In another sense, this could be called scamming or fraudulent transactions because the services weren't able to be provided. The documents that I provided clearly states that XXXX wasn't able to contact the hotel. I been trying to fight this for months now and it's not going anywhere. The companies involved is Goldman Sachs, XXXX, and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XX/XX/XXXXDept of Ed/XX/XX/XXXX 15 U.S. C 1681 Section 602 A. States that I have a right to privacy.

Also, 15 U. S. C 1681 Section 604 A. Section 2, States that a consumer reporting agency can not furnish an account without my written instructions.

Also, 15 U. S. C 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more then 7 years.

Lastly, 15 U. S. C 1681s-2 ( A ) ( 1 ) states that 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.
Product: Credit card or prepaid card

Discover Card is showing that I owe XXXX dollars on my credit report, but they filled a XXXX cancellation of debt in XX/XX/XXXX for the XXXX tax year on this. 
They cancelled the debt so it needs to be zero 'd out on my credit report.
Product: Debt collection

I have not had an account with capitol one. Capitol one does not have my signature to validate the credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the update of the previous dispute from equifax responded ( If your dispute involves a public record item, Equifax contacts a third party vendor to obtain the most recent status of the public record ). 
Which already violated the FCRA 609 ( A ) 2 Disclosures to consumers [ 15 U.S.C. 1681g ] We requested how was this bankruptcy was being verified and the credit bureau were un able to provide it the bankruptcy must be deleted. The credit reporting agency must disclose the source of this information according to this particular statue. 
we strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

Lastly we had followed through with the court to confirm about this item and according to FCRA Sec. 611. ( 6 ) ( B ) ( iiii ) Regarding procedures and results of reinvestigation states ... ( iii ) A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; In which we already confirmed it with the furnisher in the previous step for they do not directly supply this information to credit agencies or third parties so basically if the credit reporting agencies are stating that they verified the information with the courts or third party then the credit bureau are providing misleading information and according to these particular statues they would need to delete the bankruptcy.
Product: Credit card

This letter is in response to your letter dated XX/XX/XXXX XXXX  signed by XXXX XXXX by the America Express XXXX XXXX XXXX XXXX XXXX. The letter is in response to the following CFPB complaints : CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the letter, although I have the correct address in the letters I mailed out disputing multiple charges, you are not going to place those charges into dispute because American Express can not find a record of those letters. Your response states that I need to call XXXX to dispute the charges. Per the cardmember agreement, I chose to mail out my request to dispute the charges. Per US Postal Service records, each letter was delivered to the correct address. As such, I demand that I receive credits for each transaction I am disputing along with a refund of the interest charges that I was charged to this day. If you refuse my demand, I request that this issue be settled through mandatory arbitration. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024 There was an inaccurate vehicle Failure reported on my driving history that caused me to fail Please correct this asap!
Product: Vehicle loan or lease

I receive the title to the car that was Financed with Wells Fargo Dealer services. I have issue with wells fargo dealer services as a charge off amount. If there was a charge off amount why did I receive my title. 

Dates not reported on my credit file as wrong by wells fargo first reported 2010 wells fargo did not report the loan right on none of the reporting bureaus. 

Wells fargo dealer services received all there money and there was no balance left owed on the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

- [ ] Addresses * XXXX XXXX, OH XXXX-XXXX * XXXX XXXX, OH XXXX - [ ]  Collection account ( no knowledge of this however noticed there are late payments, from my understanding collections closed are not supposed to have a payment history of late payments. ) XXXX XXXX  Original creditor : CURRENT XXXX XXXX {$470.00} <1 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX - [ ] Closed accounts - [ ]  inquiries XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX/XXXX/XXXX  XXXX Bank  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX/XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX/XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX  Finance Companies -  non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX  XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX/XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally submit a complaint regarding the issues I have experienced with my Venmo account and the lack of resolution from your support team. The situation has caused me significant financial hardship and emotional distress. 

On XX/XX/year>, I created a Venmo account, providing my Social Security number and card information as required for verification. After successfully adding two debit cards, I attempted to send money through the XXXX app. Although the transactions initially appeared to be declined, one eventually went through, which I was excited about as I needed to send rent money. However, I soon noticed I could not transfer any money out of my Venmo account, as the transactions kept getting declined. 

I received an email from Venmo requesting additional identity verification. I promptly submitted my ID and marriage license to reflect my name change. I also contacted customer support, where I was informed that I would need to wait 3-5 business days for a response. Despite explaining the urgency of my situation and the risk of missing rent payments, the support team stated there was nothing they could do to expedite the process. 

The following day, I received an email from XXXX, requesting card statements for both debit cards on file. I submitted the available statement, which included one card and details about the spending account. I explained that XXXX, the issuer, could not alter the statement to include additional card details. Despite my efforts and daily emails to clarify this, XXXX closed my account review, stating that the documents were insufficient. 

To further validate my ownership of the account, I contacted XXXX support team. They confirmed that the account belongs to me and sent an email verifying this, which I forwarded to Venmo. I also asked if there were any alternative ways to prove the account ownership, but I was told there were none. This lack of flexibility has left me with no options to resolve the issue. 

I requested to escalate the issue to a supervisor multiple timesboth via email and through customer support calls. I was assured that the matter would be escalated, but I never received contact from a supervisor or any further resolution. The inability to unfreeze my account has left my funds inaccessible, putting me at serious risk of homelessness. 

This entire experience has been deeply frustrating, and I feel abandoned by Venmos support system. I urge Venmo to immediately escalate my case to a higher-level team and unfreeze my account. My financial situation is dire, and I can not afford further delays. 

Please treat this matter with the urgency it deserves.
Product: Debt collection

Capio Partners alleges that I have an outstanding debt with them from a hospital visit from over three years ago. According to NJ fee law ( XXXX ), " No health care provider may demand or request any payment from any person in excess of those permitted by the medical fee schedules and this subchapter, nor shall any person be liable to any health care provider for any amount of money that results from the charging of fees in excess of those permitted by the medical fee schedules and this subchapter. '' My car insurance company paid according to the NJ fee law, and I have the bill, receipt, and fee schedule sheets to prove that. I have faxed these records to Capio and they have refused to acknowledge receipt of them : putting me on hold, hanging up on me, etc. It is not my fault that the hospital was unaware of the law, which clearly states that the insurance pays according to the NJ fee law and the remainder of the money owed must be wiped and can not be the insurance or the patient 's responsibility. My credit score includes this debt to Capio Partners -- it is of course in the amount that is leftover after the NJ fee law funds -- even though I have legal proof that I do not owe this group any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Experian credit agency. I have submitted a Letter of Good Standing from XXXX my school loans. I have nine accounts all under the same number. I spoke with XXXX a supervisor last week my information have been received and I was told this by several employees. I was told the Letter of Good standing would be placed next to these accounts as of todays date that information have not been added. Potentially negative should not have been placed by my school loans ; the last missed payment was in 2015. 

I checked my credit profile and XXXX student loans are in dispute. Thats not what I asked for when I spoke to XXXX. XXXX sent the Letter of Good Standing on these accounts. Im beginning to feel like Experian is deliberately sabotaging my credit profile. I also have a problem with them correcting two other accounts that I filed a complaint against those companies and the decision was one was to be removed and the XXXX said to enter dispute/ fraud. 

On this complaint with Experian I want In Good Standing added next to my nine XXXX accounts. They have the letter from XXXX. Instead they just open a dispute and do nothing. 

Assistance in this matter will greatly be appreciated. I will file two other complaints against Experian for deliberately entering incorrect information on my credit profile.
Product: Credit reporting or other personal consumer reports

Fraudulent, inaccurate information consists of credit cards, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX XXXX acct XXXX and an XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX is being reported by XXXX XXXX Transunion and XXXX XXXX I do not recognize the aforementioned accounts or collection accounts. These accounts that are being reported by XXXX, Transunion and XXXX were not made, initiated or opened by me, these aforementioned accounts are a result of identity theft and fraud.
Product: Checking or savings account

FRB/ Chase now who responded and admitted to removal money {$140.00}, XXXX from # XXXX my account with no authorization or permission Stealing Now Chase claims it was for taxes. I submitted documentation XXXX month PRIOR to withdraw and prior to any FRB payment FRB supposedly doubled my payments but according to NYDept of Finance overpayments are returned and It went back to FRB FRB now Chase to date did not return my money
Product: Debt collection

I have agreed to add these companies to debt consolidation, they are being paid off, they don't report to the credit agency, the balance stays the same, each month, on my report, destroying my credit, but there receiving there monthly payment agreed to, why keep paying the two bad outstanding debts, midland credit and another debt company, if I'm getting screwed over, there not doing there part by reporting the bills being paid,
Product: Checking or savings account

Was charged multiple overdraft fees for XXXX transaction, Wells Fargo would not re em nurse and would only give a tiny amount back ( {$3.00} I believe ). This happened XXXX separate times over the last XXXX  years.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dispute in regards to the incorrect items on my credit report, it has been over 30 days and I haven't received any investigation results
Product: Credit reporting

I have XXXX hard hits on my credit report that I 'm not making
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account referenced on my credit report by the name of The XXXX XXXX XXXX. I have not signed any contract with your agency, nor do I recognize any debt associated with this collection. 

Additionally, I have reviewed my credit report and noticed that the address linked to this collection account does not appear on my credit history or any of my records. Given this, I request immediate validation of this debt as outlined in the Fair Credit Reporting Act ( FCRA ). Under section 609 of the FCRA, I am entitled to a full accounting of this alleged debt, including the original contract, account history, and the name of the creditor.

As per FCRA Section 623, if this collection is being reported inaccurately, I request that it be corrected or removed from my credit report. If I do not receive proper documentation to substantiate this claim, I ask that you cease re
porting this collection.

Please provide written verification of this account within 30 days of receipt of this letter. Failure to provide proof of this debt will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and may involve further legal action.
Product: Mortgage

I am a 100 % XXXX Veteran, I am not only protected by the CARES ACT, but also I am protected by the SCRA, Servicemembers civil relief act. I had a loan with Rushmore Loan Management Services. I was in a forbearance. I was in direct communication with the lender starting in XX/XX/2021, continued in contact sending in modification documentation to help come out of the forbearance I was in. I never stopped communication about my need to get more information from the lender to resolve the current situation. I never had any communication form the lender about potential foreclosure action etc. A letter from the CFPB and DOJ, ( attached ) was sent to the mortgage lenders, to protect the borrower, and has specific dates and instructions for the lender. This protects the borrower, and Cleary states the wrongful foreclosure that took place in 2021. I believe this is a red-lining act, and in this situation, my home was taken in XX/XX/2021, and SOLD on an auction without my knowledge. I am a 100 % XXXX XXXX American man, and I am 100 % sure this was discriminatory. I had no idea they did this, from what I understood by emails and communication ( attached ) actively with the lender, that I was modifying my loan. My home was sold, and my loss is severe. I want action taken and I will not stop until it happens. 
Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Checking or savings account

I opened XXXX XXXXXXXX XXXX saving account I have been making deposits in this account for 4 months they closed my account because I was making deposits in my account once customer would pay me for rent they told me they was investigate my account they have been doing that for XXXX months.i can't never speak to that department I call on XX/XX/year> I was told they will not give my money back.
Product: Credit card or prepaid card

On XX/XX/XXXX I made aXXXX dollar payment to capital one on the XXXX they returned my payment and said it's a " no transaction account '' ( this is my business account mind you ) and then the following week charged me a late payment fee of XXXX dollars, I've read that this company has been doing this to people to gain this XXXX dollar fee it is 100 % fraud and must be stopped
Product: Debt collection

On this date XX/XX/year>XXXX  company opened a collection Account # XXXX XXXX amount being claimed I owe I have never signed a written document saying that I owe this debt to the collector I do not know who they are and they are And I have never given them or written them that they have my consent Also they have not given me all the proper documents saying that I owe this debt And also they are pretending to be an attorney XXXX XXXX