23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/23 I sent a dispute letter ( one of many for this account ) to XXXX and one to XXXX on XX/XX/23 for for the Caine Weiner account that continues to report on my credit report. XXXX has already removed this account, and I understand when one credit bureau removes an account, others must follow suit. So not only did Caine & Weiner NEVER validate this account as I requested, they also are sending me letters with offer to pay while the account is in dispute, which I know is a violation of the Fair Debt Collection Practices Act. Furthermore, Their offer is dated XX/XX/23. I understand under FDCPA guidelines, you can not send someone a letter to collect on a debt while the debt is in dispute and has not been validated. I ask that you please remove this account from my credit report due to FDCPA violation.
Product: Checking or savings account

Continuous overdraft fees with Navy Federal from XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate information that remains on my credit report, despite my previous attempts to resolve these errors. My experience aligns with the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian ( Case No. XXXX ) on XX/XX/year>, in which the agency alleged multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 
Specifically, Experian has failed to conduct reasonable reinvestigations, misrepresented the nature of my dispute to furnishers, and continued reporting inaccurate information in violation of my rights under federal law. 
Accounts/Items in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of FCRA Requirements Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of any disputed information. However, according to the CFPB lawsuit, Experian has a pattern of : Failing to forward all relevant dispute details and supporting documents to furnishers. 
Relying uncritically on furnishers responses, even when they are illogical or inconsistent. 
Sending consumers misleading or unclear results regarding dispute investigations. 
Allowing previously deleted inaccurate information to be reinserted onto credit reports. 
My Legal Rights & Requested Action Pursuant to the FCRA, I request that Experian : Conduct a proper reinvestigation of my dispute by forwarding all relevant information and supporting documentation to the furnishers. 
Provide me with a written statement detailing whether the disputed information has been corrected or deleted. 
Immediately delete or correct all inaccurate, incomplete, or unverifiable information from my credit report. 
Cease the reinsertion of any deleted inaccurate information unless it complies with the certification and notification requirements under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide me with a free updated copy of my credit report once the disputed items have been resolved. 
If Experian fails to properly investigate and correct my disputes in compliance with federal law, I am prepared to file a formal complaint with the CFPB and seek legal action for damages under 15 U.S.C. 1681n and 1681o. 
I have attached copies of supporting documents ( credit report, correspondence, payment records, etc. ) to substantiate my dispute. Please respond to this dispute within the 30-day period required by law. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my person
Product: Money transfer, virtual currency, or money service

In 2024, on two occasions, the funds I sent were not verified and ZELLE did not have any precautions or confirmation to transfer money and I did not have any warning and I lost about {$200.00}.
Product: Prepaid card

The money network told me someone had hacked into my account on XX/XX/year> and made two purchases for whop.com one for XXXX the other for XXXX I had a remaining balance of XXXX dollars that I have not received yet I think money network steals peoples money and needs to be investigated for criminal activity
Product: Credit reporting or other personal consumer reports

I did not initiate this account, and I strongly suspect it to be fraudulent. I strongly believe they are fraudulent.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof. 
These are the accounts I have marked as inaccurate : XXXX XXXX
Product: Debt collection

I got internet from XXXX and during the installation they said they couldn't use my modem and substituted their own without telling me. When I terminated the service, I asked if there was anything I needed to return and they said no. I moved to a different state and they sent the bill for the modem to the old address. I didn't know about this until the new home owner forwarded the bill to me. I contacted XXXX XXXX  3 times before they sent the box to return the modem. I got the return box on XX/XX/2021 and then I mailed the modem on XX/XX/2021. 
They have still not removed the collections from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX X/2016 Not my account Fraud account identity theft
Product: Vehicle loan or lease

I have filed previous complaints primarily with the company I did not sign a contract with or agree to any transfer of contracts. I was not notified the contract was being sold and did not have the opportunity to decide if I wanted to stay with the company or go to a different one. 

I requested a copy of the contract from Foursight Capital and received a document I DID NOT sign, the printed signature is not my signature. I advised Foursight Capital it was not the contract I signed but was advised it was what they acquired during the transfer.

I reviewed the document and noted I was charged {$88.00} for recording the security interest with public officials, XXXX  state law says the maximum amount to be paid is {$15.00} for notary and {$35.00} for recording. I was also charged {$800.00} for GAP insurance I did not want. The lien filing fee paid to the lender of {$180.00} is also incorrect charge. The interest rate of 12.81 % was changed to 12.54 % on page XXXX of said contract. 

The contract further states I can not sell the vehicle without permission of the lender and if I go to XXXX in the vehicle it can only be for 30 days. If my job requires me to move, I should not have to ask permission to relocate the vehicle or for permission to sell/trade in the vehicle. 

The contract has several flaws but the most important is the fraudulent, printed name used as my signature on a legal document.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my grandmother completed a transfer from her XXXX XXXX XXXX XXXX account to my Regions account in the amount of {$2000.00}. We have gone around and around with both financial institutions, providing documentation of the funds being transferred out of the account. We have also provided Regions with paperwork detailing the funds showing as received. However, the {$2000.00} was never credited into my account, and Regions employee XXXX XXXX was recently instructed by her leadership to ignore any further emails received from us in regards to this issue. We have notes and emails that we have generated and sent over the past XXXX months with no resolution or replacement of the {$2000.00}.
Product: Credit card

make offers for credit, even if approved change terms ( always in their favor of course ) sales people AND management mis-inform clients blatant false advertising change websites ( 4 times in past year ) main retail website has link to bogus website
Product: Credit card

I initiated a claim under Chases Purchase Protection Plan for a coffee machine bought with my Chase Freedom Flex card on XXXX XXXX XXXX. Initially, on XX/XX/XXXX, a Chase representative confirmed that all my submitted documents were in perfect order. However, on XX/XX/XXXX, I was asked to provide another copy of my account statement showing the purchase, which I promptly uploaded. Then, on XXXX XXXX XXXX I received a letter requesting an itemized repair estimatedespite having already submitted an approved estimate from the manufacturer. During a follow-up call that day, I was told the repair estimate needed to be from a licensed technician, which only added to the confusion and appears to be an unnecessary delay in processing my claim. 

I have all required documentation including call recordings with chase representatives giving out contradictory information and stalling the entire process.
Product: Credit reporting or other personal consumer reports

I am victim of an identity theft, back in XXXX of XXXX someone opened a fraudulent account with XXXXXXXX XXXX XXXXXXXX, and now I am trying to have the fraudulent account removed from my credit report. The account and the charges are not mine. I never paid for this account. I have never requested this account to be opened. for years I am trying to have this removed from my credit report. Finally I have decided to take this case to small clams since I am victim and this effecting my livelihood. I have opened my case on XX/XX/XXXXXXXX  and I have not even heard from them.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXXXXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

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 XXXX USC XXXX. 

The accounts below have violated my rights. 
XXXX U.S.C XXXX section 602A. States I have the right to privacy. 

XXXX U.S.C XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX U.S.C XXXX. ( 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( a ) 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 reporting or other personal consumer reports

I am writing to formally dispute the recent addition of an authorized user to my credit account with XXXX ( Account # : XXXX ) and Experian ( Account # : XXXX ) without my knowledge or consent. This action has raised profound concerns regarding the precision and confidentiality of my personal credit information, as safeguarded under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Pursuant to the FCRA, consumers like myself are entitled to ensure that the information contained within our credit reports maintains accuracy, fairness, and security. The unauthorized inclusion of an authorized user on my credit accounts not only infringes upon my privacy rights but also casts doubt upon the accuracy and legitimacy of the data being reported by your agency.
Product: Debt collection

The collection agency Shindler and XXXX is refusing to release the levy it placed on my bank accounts. I am currently under XXXX XXXX bankruptcy that is current and active. Below are the details of communication between myself, my attorney ( XXXX XXXX ), and XXXX and XXXX. XX/XX/XXXX - Shindler and XXXX Levied accounts XX/XX/XXXXXXXX - I contacted XXXX & XXXX and spoke with XXXX XXXXand informed them of my bankruptcy. I requested that they release the levy on my bank accounts. They informed me to have my attorney fax them my bankruptcy filing. XX/XX/XXXX XXXX XXXX- My attorney faxed XXXX & XXXX my bankruptcy filing. XX/XX/XXXX XXXX - Contacted XXXX XXXX XXXX to inquire as to the status of the requested release. I was informed that attorney XXXX XXXX is reviewing my file and would be informed the next day for status. XX/XX/XXXX - No Contact from XXXX & XXXX regarding status. XX/XX/XXXXXXXX - Contacted XXXX XXXX XXXX to inquire about the status of release. I was informed by XXXX XXXX that my attorney needed to contact them regarding my case. 8.30.2018 XXXX Contact XXXX XXXX to address the matter. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX & J and was put on hold for an hour with no response. XX/XX/XXXX XXXX - Contacted XXXX XXXX XXXX  regarding release. No response.XX/XX/XXXX XXXX - Contacted XXXX XXXX XXXX and was put on hold for 5mins with no answer. XXXX XXXX - Contacted XXXX XXXX XXXX and was informed by XXXX XXXX XXXX have my attorney contact them.
Product: Credit reporting

I call Transunion to make a dispute on my credit report, the first person I spoke to did not know how to do an online dispute so I spoke to a manager by the name of XXXX. XXXX told me how to go online to do a dispute but it turn out when i try to do it myself I could not figure out how to do it and the manager did not know how to show me to do it. Transunion report for millions of people and I pay a membership fee they should have an easier system to use online to fights dispute. I have a clear letterhead from child support asking to remove delinquency and also that I owe {$0.00}, not {$870.00} stated on my credit report. This is not a collection account it needs to be removed right away. My name is XXXX XXXX, XXXX XXXX XXXX XXXX report number XXXX. I attached Cover letter, Child Support delinquent account and Head head from child support asking to remove Delinquency off my credit report and I owe {$0.00}.
Product: Credit reporting or other personal consumer reports

They don't communicate with one another. 

Experian, XXXX and XXXX report differently in term of the dates and some amounts. They have closed my complaint but I'm not satisfied with the result of their investigation.
Product: Credit reporting or other personal consumer reports

Whatever you do in my previous complaints that I filed with y'all XXXX Transunion and XXXX all three failed to remove the disputed items from my credit reports I filed complaints with y'all in the past about this but they still have not removed the information from my account that's not accurate I have file complaints with all three bureaus we go and all they did was come up with more excuses why so basically they just responded to XXXX request and ignored the problem at hand with my credit report so can somebody please make sure they remove the items from my credit report this time
Product: Student loan

I am still in school, and I have submitted multiple deferment requests to my new loan servicer, Nelnet. I've also emailed Nelnet about my deferment request on more than one occasion, and have also faxed them the same information. However, Nelnet has not responded in any way, and now Nelnet is likely going to show that I am delinquent on my student loans, which will negatively impact my credit. When I called Nelnet today to inquire as to the status of this request, the automated system said there were no pending deferment requests on my account, and even after waiting over an hour and twenty minutes to speak to someone, I was never able to talk to a human at Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I have filed this complaint before without resolve. I am attaching the police report to this new complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 

2. Account Number : XXXX Please remove it from my credit report. 

3. Account Number : XXXX Please remove it from my credit report. 

4. Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. Account Number : XXXX Please remove it from my credit report. 

8. Identity Theft Account Number : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX I appreciate your prompt attention to this matter, and await your reply.
Product: Credit card

On XX/XX/XXXX, I filed a complaint ( XXXX ) because the two-year interest-free financing offer for a furniture purchase made in XX/XX/XXXX was not honored. 
In response to my complaint, Synchrony sent me a letter in which they incorrectly stated that during the call I made to dispute the charges, I had requested a copy of the purchase receipt and they wrote asking for additional information in order to help me. I responded to this via fax on XX/XX/XXXX, but I have not received any further communication from them. 
The situation now is that while I am waiting for this issue to be resolved regarding the interest charged before the end of the XXXX years, I have already paid the full amount of my purchase. The current statement reflects a balance for the disputed interest ( on top of which they are charging interest on the interest ), and this is going to negatively affect my credit***
Product: Credit card or prepaid card

I have a prepaid card from XXXX ( XXXX XXXX ). 

On XXXX XXXX I went to a Bank of America atm to withdraw {$800.00}. The machine had the option to get it in {$20.00} bills or {$50.00} bills, I chose to get it in {$50.00} bills and the machine gave me {$320.00} ( 16 {$20.00} bills instead of 16 {$50.00} bills ). 

Then tried again, thinking that it was a problem with not having {$50.00} bills, to withdraw {$200.00} in {$20.00} bills and it gave me {$120.00}. 

Asked for a receipt for both transactions but the machine didn't print them. Also, the machine went out of service after my transactions. I have photos of the out of service ATM and a photo of the ATM id #. 

Tried to reach BofA but they simply redirected me to my bank, XXXX XXXX. XXXX XXXX credited the account temporarily with {$480.00} for 1st transaction and {$80.00} for 2nd transaction ( XX/XX/2020 ), but after a month they took the money back ( XX/XX/2020 ). 
On XX/XX/XXXX, received an email from XXXX XXXX saying that there was no error, even though I gave them the ATM id and explained that it didnt gave me receipts and showed that the machine went out of service after my transactions. There must be some type of log that shows that after my transactions, the machine went out of service, and showing that the ATM had too much money in it. 


Had a negative balance since the credit was reversed until I received the 2nd stimulus, now only have {$55.00}, lost most of the relief stimulus because of a BofA ATM error that seemed to be ignored by both banks involved.
Product: Credit reporting or other personal consumer reports

ON XX/XX/2023 I PAID XXXX XXXX XXXX THE BALANCE I OWED IN AGREEMENT THAT THE COLLECTION ACCOUNT WOULD BE REMOVED ONCE PROCESSING OF THE PAYMENT WAS COMPLETE IN 3-5 BUSINESS DAYS. AFTER THE PAYMENT HAS POSTED, APPROXIMATELY 2 WEEKS THE TRADELINE WOULD BE REMOVED FROM MY REPORT. AS OF XX/XX/2023, THE ACCOUNT STILL REMAINS ON MY ACCOUNT. I HAVE DISPUTED THE INFORMATION THREE SEPERATE TIMES WITH PROOF OF THE LETTER STATING THE ACCOUNT WOULD BE REMOVED DIRECTLY FROM THE CREDITOR AND THE RECEIPT SHOWING THE AMOUNT PAID BUT EXPERIAN HAS NOT REMOVED IT. THE " SUPERVISOR " I SPOKE WITH ON THIS MATTER FROM XXXX WAS EXTREMELY RUDE TO ME EACH TIME I CALLED AND WAS ONLY CONCEREND ABOUT GETTING ME OFF THE PHONE. THIS IS UNACCEPTABLE! EXPERIAN AND XXXX XXXX XXXX ARE VERY UNPROFESSIONAL ESTABLISMENTS