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

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were inaccurate because they were furnished without my written signature. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the i nformation. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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. 
Under 15 U.S. Code1681b Permissible purposes of consumer reports Inever gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of ALL DELETIONS on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/year>. This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable. It has been now 5 months and have failed to respond. I am attaching a Copy of all letters sent below. 


XXXXXXXX XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA and This account was paid and the creditor agreed to remove it from my credit report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Payday loan, title loan, or personal loan

We paid off a truck loan on Tuesday, XX/XX/XXXX and it cleared our bank on the next day, Wednesday, XX/XX/XXXX. Huntington Bank said it would take 10 days to report the sale to the XXXX XXXX XXXX for release. I sold a car several years ago and all the business was done in one day. The money used to pay off the truck loan is from the buyer of the truck who is waiting on Huntington Bank to release the title. Since all this can be done electronically, it seems like 10 days is a long time.
Product: Credit reporting or other personal consumer reports

XX/XX/year> transunion sent 8 of my creditors a letter indicating that the accounts was fraud. They all was closed in XXXX. I filed a dispute against XXXX  for the amount Only!! However transunion had all the cards closed for fraud which was NOT true.They destroyed a 10-15 year relationship with my creditors. I just started a small business last year I needed the cards for supplies and shipping etc. I have call and emailed and live chat for three months now. I filed complaint with XXXX  and transunion lied and said they would send letters of apology and error to them & myself that never happened. The creditor refuse to open the accts back up do to the fraud. I owe those creditors there was no fraud. Transunion outsourced our info our ss numbers should not be handled by people out of the country. I spent an hour last week trying to get things rectified still nothing. I am mentally drained.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was affected in the Equifax data breach. I 've attempted to put a security freeze request with them, only to face a busy signal when attempting to call, and a " System currently unavailable - Error 500 '' error on their website when attempting to do this online. A similar error is given when attempting to place a 90 day fraud alert on my file. I 've attempted to do this for several days in a row, being met with the same end result. If I 'm unable to even respond in a proactive manner to this breach once realizing I 've been affected, I 'm left vulnerable to the devices of whomever has stolen my data. This is unacceptable.
Product: Credit card

I had made a purchase for {$190.00}, the purchase I made was canceled by the merchant so they refunded the amount back in full to first progress, first progress is stating that they will mail a check out to me in that amount and when I called back first progress stating they mailed out the check in the amount of XXXX but they are not showing me a receipt that it was mailed and I was not given a tracking number, I asked for a supervisor and they transferred me to XXXX  who is now telling me I cant get the money back I is telling me to send a letter of complaint to the bank. Also they are still reporting a balance on my account to all the credit bureau even tho they owe me more money than the balance on my account and its a secure credit car so all the money is mine own money
Product: Credit card

Because of poor customer service and ignoring my request to communicate with me visa email regarding the Chase Sapphire account, they have chosen stop all methods of communication with me regarding the Freedom card. I did not request this. Even after writing to them that the card in question is only the Sapphire card, they ignore my correction.
Product: Student loan

I called Edfinancial about a refund that they agreed to process on XX/XX/22. I called again on XX/XX/22 to confirm the refund process was submitted. The total amount that I requested to be refunded from payments made during deferment is {$8900.00}. I find the timeline they gave of nearly half a year from the first call and no timeline on the second call unacceptable and inconsistent. The loan servicer doesnt allow any access to a paper trail about the refund they submitted on their system. The only way for me to follow up on the refund is to call in.
Product: Credit card or prepaid card

ON OR ABOUT, XX/XX/2017, YOUR CITIBANK D/B/A CITIGROUP OF XXXX XXXX, NEW YORK HAD WONGFULLY CLOSED TWO OF MY CITIBANK XXXX XXXX ACCOUNTS. THE FIRST CITIBANK XXXX XXXX AACOUNT ENDS WITH THE ACCOUNT NUMBERS OF " XXXX ''. THE SECOND CITIBANK XXXX XXXX ACCOUNT ENDS WITH THE ACCOUNT NUMBERS OF " XXXX ''. THE REASONS THAT WERE WRONGFULLY AND RACISTLY GIVING TO ME FOR THEIR CLOSING ( S ) WAS/WERE " ACCOUNT ( S ) INACTIVITY/INACTIVITIES ''. BECAUSE OF MY WELL KNOWN AND WELL DOCUMENTED XXXX RELIGIOUS BELIEFS, YOUR CITIBANK HAD TOTALLY ILLEGALY AND TOTALLY UNLAWFULLY CLOSED MY TWO AFOREMENTIONED CITIBANK XXXX XXXX ACCOUNTS AFTER REPEATEDLY REFUSING TO LIST MY COURT ORDERED NAME CHANGE OF " XXXX XXXX '' ON BOTH AFOREMENTIONED CITIBANK XXXX XXXX ACCOUNTS. WITHOUT MY XXXX NAME BEING LEGALLY LISTED ON SAID TWO CITIBANK XXXX XXXX ACCOUNTS, I WAS UNWILLING AND/OR UNABLE TO USED EITHER ONE OF SAID XXXX XXXX AND/OR THE BOTH OF THEM!!!!!!!!!!!.
Product: Credit card

I applied for a XXXX card. It had an introductory offer of XXXX miles if XXXX dollars was purchased on the card within the first three months. I did this and redeemed my miles. This card also had an annual fee. I paid all outstanding debts and I cancelled my card prior to the annual fee taking effect via a phone call to the credit card company. I was assured by the operator that I would not be charged because I cancelled within the time frame prior to the fee taking effect. The credit card company has since changed owners and is now a Master Card and is operated by XXXX. For the last 2 years or so I have been receiving bills for the annual fee. I have made several phone calls to customer service explaining that I am being mistakenly charged and am always assured that the mistake will be corrected but I continue to receive bills. I was recently inquiring about taking a second mortgage on my apartment when it was brought to my attention that my credit score had lost about XXXX points since the last inquiry and that it was due to this issue with the outstanding credit cared payment. I have always had excellent credit and always pay my bills so this is very bothersome to me. I believe that the credit card company intentionally refused to fix their mistake hoping I would pay a fee that was incorrectly placed on my account. I would appreciate any help available to fix this issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for basement fire proof work for my building located in XXXXXXXX XXXX The transaction has been made on XX/XX/year>, and I have disputed it with US bank in the amount of {$3500.00}. The bank never investigate my dispute and rejected it after a few days. 

That transaction was canceled by me, however, US bank transferred the funds without my permission. XXXX on my bank account does not show the charge, but it was charged without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX Reference # XXXX, XXXX XXXX  XXXX account 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.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan for dental work XXXX years ago. I applied online and spoke with a representative over the phone. 
I was told that it would be interest free for XXXX years. There was no hint whatsoever given that there would be anything other than the standard interest charged monthly at the end of the XXXX year period. 
Even looking at the paperwork I received I did not see anything that would lead me to believe otherwise based on my limited legal knowledge and having never used a credit account like this. 

Now at the end of the XXXX year period I was just charged a massive cumulative interest payment that I was shocked to see and greatly affected my credit score. 

I am sure that care credit has some way around this legally. I can see that there is a section dedicated to this on each statement. Unfortunately myself, just like many consumers use a mobile app to pay monthly bills like this and do not receive statements in the mail or otherwise. I looked at my initial paperwork to the best of my abilities and trusted that I was being given accurate and complete information by the representative. 

If I had known there would be a cumulative deferred interest payment that would be equivalent to more than XXXX  % of the original value of my loan that would hit my account after XXXX years I would have absolute contacted another lender or made plans to ensure that the account was paid in full by the end of the promotion. 

Additionally the representative asked me over the phone if I wanted a credit card and I stated that I did not. I only wanted this to be an installment loan, but I received a credit card by mail anyway. 

I have attached the most recent statement showing the {$3600.00} interest charge that is equivalent to more than XXXX % of the original loan value.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of buying a new reliable vehicle to drive my daughter around in. Please review all of my documents and remove the accounts that are listed.
Product: Credit reporting or other personal consumer reports

I have disputed the balance and status of my previous account with FLAGSHIP CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX, TX XXXX. This account was paid in full, but is still being reported to XXXX and XXXX as having a balance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the completeness, maximum possible accuracy, and integrity ( CMI ) of the information contained in my consumer report that your agency has furnished. In the credit world, CMI refers to the standard that consumer reporting agencies must upholdensuring that all data reported is Complete, Meets the highest level of possible Accuracy, and maintains its Integrity as required by federal law. Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), inaccurate, unverifiable, or incomplete information must be deleted immediately. TransUnion, as a consumer reporting agency ( CRA ), is strictly liable for ensuring compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

XXXX posted fraudulent claims on XXXX about a carb-cutting supplement. They lied, claiming their product received the highest praise from the TV show XXXX XXXX and included false articles and photos. I was presented with a pop-up web site advertising a free sample, just pay {$5.00} shipping. I figured it was worth the risk. Well, it was not. I received a fake order, package with advertisements only and then a new {$84.00} charge. I disputed the charges and reported my card lost/stolen. Chase removed the {$5.00} charge but refuses to remove the {$84.00} charge. Chase claims I signed up for a subscription. XXXX changed their web site and offer after the sale. I have not received any product or services from XXXX and I emailed them requesting a refund about a month ago. No response! CHASE fraud services told me ... and I quote " Using my credit card is as good as cash '' and " once I provide my card number to a merchant I am giving them permission to charge whatever they want '' This is absurd. Top it off, the first time I called XXXX about the dispute they knew the details immediately without research. The representative was reading the " terms and conditions '' of my order with XXXX. I asked them where they were reading this from and was told " from their web site '' I went to the web site and it required signing in before you could read the terms and conditions. It was a completely different site from what I had seen when I ordered the free sample. How could Chase have known all the details within seconds?? Because they know the scam and protecting the scammers. 
The only reason I fell for this scam, after reading every minute detail and being skeptical ... was because I trusted that if it was a scam that I could simply dispute the charge. Now I see that Chase is  protecting scammers and I can no longer expect the support or protection from credit card companies.
Product: Credit reporting or other personal consumer reports

Sure! Heres a more general template for a credit dispute letter. You can customize it based on the specific details of your case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to dispute an entry on my credit report. Upon reviewing my recent credit report, I noticed an error regarding the accounts listed. I believe this information is incorrect and should be disputed because of the ongoing investigation with certain subsidiaries. 

I kindly request that you investigate this matter and update my credit report to reflect the correct information. 

Please confirm receipt of this dispute and notify me of the results once the investigation is complete. I look forward to your prompt resolution of this issue. 

Thank you for your attention to this matter. 

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

I just checked my Experian credit report I am appalled because they have 11 inaccurate addresses, 3 incorrect phone numbers, last four of my social incorrect they have it as XXXX not mine, 2 incorrect employers, 4 incorrect last names for me and that I have 24 accts. My correct name is XXXX XXXX XXXX my employer is XXXX XXXX XXXX all other information that they have for me is incorrect not accurate at all
Product: Credit reporting or other personal consumer reports

someone opened several accounts using my information and I filed a police report and submitted it to all 3 credit bureaus and nothing has been done the accounts are still sitting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy ( Case # XXXX ) showing on my credit report with XXXX. I have submitted numerous disputes with no results. When the dispute was complete on each occasion, I was advised that they received their information from the public records source/reporter XXXX XXXX. I have contacted XXXX XXXX and also the courthouse that was said to have reported and was advised that there are no public records for me.I submitted all documentation received. I contacted XXXX and spoke with XXXX XXXX and was given a file number of XXXX. She advised that they did receive all documentation from the courthouse and XXXX XXXX and still refused to remove it with the previous disputes. Please assist.
Product: Credit reporting or other personal consumer reports

I have contacted you in 2 previous letters asking for investigation and reinvestigation into the accounts listed. Both times they have been verified and updated with no supporting evidence to show why after I requested it. I have attached the letters. This account was charged off in XXXX of 2024. Since then the account has repeatedly been updated as " charged off '' every month. This is an update in payment history. A charged off account should NOT include any active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my consumer rights. I am demanding a deletion of the following account to remedy this violation of my rights : ACCOUNT : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Called to ask Experian to remove fraud alert and was told it would take XXXX even though all verification information was provided. This should not take XXXX and is preventing me from taking the necessary steps to further my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  ( accounts and agencies has violated my rights.
Product: Checking or savings account

On XX/XX/year> I deposited {$620.00} into the Wells Fargo atm at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. The atm starting glitching and taking forever to count my money I deposited, which it never has done to me before. I started recording the issue then a message eventually popped up saying your deposit is jammed and can not be returned and I took pictures of that error message. I called the Wells Fargo customer service number that was provided on the screen and they told me I had to wait XXXX business days for them to investigate and that stressed me out because its not my fault their machines are not working, but Im a single parent and I needed that money for school fees that I am trying to pay and they were really non chalant about the situation, I even spoke XXXX people and a XXXX person, and they all just carelessly said the same thing and I am needing my money returned back to me that was took.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT OFF EXPERIAN, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

Already a month ago, I tried to purchase 2 XXXX on XXXX. The seller told me to make the transaction throw Zelle. I sent XXXX dollars in 2 different transactions. One throw XXXX XXXX and one from XXXX XXXX. The seller sent me a package but they were empty with no phones insde. I already contacted the 2 differnet banks but they have not be able to do much more for me. 

I alrdeay filled a report to XXXX police and one to FBI for fraud and scam. What I can not understand is how this people who scammed still are scamming other customers using zelle. And zelle do not take actions on it.