23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Im a cash app customer and I made a withdrawal on the day the systems went down. I filed a complaint and because I asked for a supervisor XXXX from cash app said they wouldnt do anything for me. They have stood true to this. XXXX bank has sent me a letter stating that the error was discovered and that my funds were sent back on the XXXX and yet they havent returned my funds to my account. They wont accept the letter that the bank has sent me and to them. My next step is small claims court.
Product: Credit card or prepaid card

Synchrony Bank 9Amazon Credit card Synchrony Credit Card Amazon To Whom It May Concern I am asking your assistance with an ongoing problem which I have with Synchrony Bank. 
In XXXX, I suffered a XXXX and since ( since I live alone ) I have tried to make payment card ... the problem, since I do not currently live at home ( I am in a XXXX XXXX ). I do not have access to my credit cards it is not programmed into my computer. 
I contacted the bank in XXXX requesting my account number... they sent the last 4 numbers. Over the last 3 months I have requested mu account number another 7 times only to be sent the last 4 numbers. As you know to enter the site you need the 16 numbers of the account. 
In the meantime, my credit score has dropped dramatically, my Amazon account has been suspended etc/ and thelate fees have been adding up. 
I have entered my debit card to the account and have asked Amazon to deduct the amount from that card. I have also asked them to e-mail or regular mail and not call because part of the XXXX was I had also lost my voice which I am slowly getting back. However the bank has made between 19 and twenty calls a day to which I can not respond I can supply copies of emails on request
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : XXXX  XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

This Creditor is reporting incorrect information on my credit reports.
Product: Credit reporting or other personal consumer reports

TRANSUNION EXPERIAN EQUIFAX Subject : Formal Request for Removal of " Closed '' Account from My Credit Report To Whom It May Concern, I am writing to formally request the removal of some " Closed '' account from my credit report. Under 15 U.S.C. 1681i, I have the right to dispute and request the deletion of inaccurate, outdated, or unverified information that negatively impacts my credit profile. 
The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While these accounts are listed as " Closed, '' its continued presence on my credit report serves no permissible purpose under 15 U.S.C. 1681a ( d ) ( 1 ) and is negatively affecting my creditworthiness. If the account is not providing any active credit history or financial benefit, I am formally requesting its immediate removal from my report.

If the credit bureau believes this information must remain on my report, I request documented verification proving its necessity. Otherwise, failure to remove this account may be considered a violation of the Fair Credit Reporting Act ( FCRA ), and I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

I expect a response confirming the deletion of this account within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I opened a citi visa Costco card to get the benefits ( 2 % refund and extended warranty on appliances ) in XX/XX/XXXX. Since opening the account I had issues. I signed up for auto pay and it didn't register the correct bank account ( I never had this issue prior ) so after my first payment did not go through I signed in and updated my bank account. During the next billing their system again went to the incorrect bank account number. I had to make the payment manually to avoid missing a payment. I called customer service and asked them to delete all back accounts and manually add the correct bank account number. 

My next billing cycle I was billed less than the full amount that was due and I was charged interest. I called to understand why only partial amount showed up as sure they didn't have an explanation and just refunded the interest charge. 
Now I just log in and manually make a payment before the due date because I don't think their system will accurately debit the full amount due. 

I brought this up to the company but nothing was meaningfully done. 

When I log in to view what is due and go to set up an early payment, I end up seeing two amounts, one on the main page and another as full amount due on the manual payment page. The payment set up page shows the full balance not just what is due from the previous billing cycle.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, which I believe is a mistake. After reviewing my credit report, I have identified the following entry that I would like to have investigated and corrected : Creditor Name : CHIME-XXXX  Account Number : XXXX Date of Late Payment ( s ) : XX/XX/year> & XX/XX/year> Reported Late Payment Status : 30 days & 60 Days Late The information in question is inaccurate because the creditor is reporting different information to each credit bureau. I've attached a copy of each credit report. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable, and I believe this entry falls under that category. 

Under FCRA Section 609, I request that you investigate this error within 30 days and provide me with the results of your investigation. If you are unable to verify the accuracy of this late payment entry, I request that it be promptly removed from my credit report. 

Additionally, if the creditor can not verify the accuracy of the information, or if they fail to provide documentation of the late payment, it must be removed in accordance with the FCRA. As outlined in Section 611, you are required to notify me of the outcome of your investigation, and if the dispute results in a correction or removal, an updated copy of my credit report should be provided. 

Please inform me of the outcome of your investigation as soon as possible and provide me with a written confirmation of any corrections or updates made to my credit file. 

Thank you for your attention to this matter. If you need any additional information or documentation from me to facilitate the investigation, please do not hesitate to contact me via email at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX XXXX # XXXX XX/XX/XXXX XXXX, response recieved, dated XX/XX/XXXX, no changes XXXX  # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX  # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX XXXX # XXXX XX/XX/XXXX sent, response recieved, XXXX XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Once you have seen and read the multiple attempts utilized by me to correct the problems please hold credit bureau in question accountable for their willful disregard for the legal law I have afforded to me under my rights as to have negatives items deleted from my credit report. 

The credit bureau in question is also quite adept at responding to my multiple attempts to have them remove negatives on my report with answers to questions I have not asked them, while not addressing the issue I state in my multiple dispute letters. again Please Please don't allow them to get away with these deceptive ploys and misdirections. 

I as a consumer don't have the legal power and authority that you have. Again in closing please simply see read my attached documents for best description of my complants with credit bureau in question. Thank you.
Product: Debt collection

On XX/XX/XXXX, a collections account from " Wakefield & Associates '' was added to my credit reports ( XXXX, XXXX, & XXXX ). I did not recognize this accounts and immediately contacted the collector. I was told on XXXX occasions that I owed a collective balance of {$5000.00} to a hospital in XXXX. I was not provided with any information to verify the debt besides a hospital name as the Creditor. I contacted the hospital and it was confirmed that I do not have a balance with the hospital. I contacted Wakefield again with a telephone no. for the hospital to verify this and the agent refused to assist in verifying the absence of the debt they claim I owe. I asked for specifics on the debt ( it was stated that they are trying to collect on XXXX visits to the hospital ). I was told they could not disclose the information on the specific accounts, only the amounts - no dates of service, etc. I have never received any written communications in regard to the alleged debt, although I did provide my current mailing address. I have verified with my insurance co. and the hospital that there is no balance owed. The collector refuses to provide an account number or proof of debt. The original creditor states there is no existing debt, that it was paid by my insurance company at the time of service.
Product: Debt collection

In XX/XX/year>, I was contacted and told that I needed to pay or there would be court action. So I paid them one payment. Then my financial situation was worsened because of a car accident. I pay them XXXX payment in XXXX, but because my financial situation, I could not pay this month. I wrote a letter to email them but could not find a good email for them I then did research, other people also heard from them but was not sure about who they were and their status. I dont understand why they dont have an email. They can email me with a no return email, but XXXX cant email them. So before i send anything else I want to know if they are legit. The research shows thay do not and I dont want to send anymore money expecially in my financial situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I previously disputed this account with XXXX XXXX XXXX and Experian on XX/XX/year> stating : " The current payment status of 150 Delinq is incorrect because the balance due on this account is {$0.00}. ". I don't agree with the results of your investigation. The agency verified account but failed to send me proof of information. I would like this account to be deleted as soon as possible. This inaccuracy is hurting my score and my ability to be approved by a lender. Balance can not be 0 and 150 days past due. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 24 inquiries on my credit report that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unresolved items on my credit report. I have previously submitted disputes to the credit reporting agencies, as required by the Fair Credit Reporting Act ( FCRA ), but despite these efforts, the inaccurate information remains on my credit report. 
I have attached copies of the relevant documentation, including previous correspondence with the credit reporting agencies and any supporting evidence, to substantiate my claim. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to experian requesting to verify the info on student loan accounts XXXX, there been missing data and it came back verified when it all look the same. There are payment dates there when I have never made a payment on that account. Experian came back verified, refusing to do a proper investigation. 
XXXX XXXX  account is showing inaccurate payment date and that was addressed and experian came back verified. Cfpb is suing them for failing to do a proper investigation and I fell victim to that many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information under my name. Under the FCRA, everything they report must be completely accurate.
Product: Credit reporting or other personal consumer reports

This account was charged off on XXXX, XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This same account is reported inaccurately throughout. This inaccurate information falsely manipulates the statute of limitations. 
You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account from my report Accounts Name : XXXX XXXX XXXXXXXX Account Number : XXXX Send copy of DL SSC Proof of Address Screenshot or proof of inaccuracy
Product: Credit reporting or other personal consumer reports

My information was bought and sold illegally by XXXX without my permission, I was also a victim of the XXXX data breach. I want these items Deleted from my consumer credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing to correct this. Please help me delete these illegal accounts from my consumer credit reports. 

Negative Reports as follows : XXXX XXXX XXXX XXXX -- - Account No. XXXX  - Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX - Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX - Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX Charge-off. 
XXXX -- - Account No. XXXX - At least 120 days or more than four payments past due. Note : XXXX has removed the account number from the record. 
XXXX  -- - Account No. XXXX At least 120 days or more than four payments past due. 
XXXX XXXX -- - Account No. XXXX - Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX Collection Accounts : XXXX XXXX XXXX. -- - Account No. XXXX XXXX XXXX XXXX -- - Account No. XXXX XXXX XXXX XXXX -- - Account No. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX  XXXX/XXXX, Account Number XXXX ( XXXX  and Transunion ).
Product: Debt collection

Company has been calling my mother numerous times for the past year threatening her when she is not responsible or tied to this debt. Amount is incorrect. Company has been calling me after I told them to stop and has been calling late at night outside of normal business hours.
Product: Mortgage

XXXX/XXXX/20 I applied for a mortgage refinance with Better.com Mortgage Company. They issued a Loan Estimate and I asked if they could match or beat the total costs of 2 other Loan Estimates I received from other mortgage companies. They said that they could and would. 

XXXX/XXXX/20 When I went to review the Loan Estimate again, it had been updated and they stated that I had asked for a change in loan terms. I had not. When I asked for an explanation of why the Loan Estimate had been revised, they cited that rates change twice daily and they only hold the pricing on the Loan Estimate for one day. When I asked about the 10 business day requirement for lender to honor the terms of the Loan Estimate, they again stated that the pricing would continue to change unless I locked in the rate. 
I asked to speak to a manager or a compliance officer and the manager reiterated the same thing about rates changing twice daily.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted XXXX asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I  further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Product: Debt collection

I, XXXX XXXX, give authorization for I.C. SYSTEM, INC to move forward with this complaint. 

THE COMPANY " XXXX XXXX XXXX '' HAS MAILED CORRESPONDENCE IN THE STATING I OWE THEM IN THE MAIL AN ALLEGED WITH I.C. SYSTEM, INC. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. XXXX XXXX XXXX HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO 15 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the legitimacy of my XXXX loan obligations transferred from XXXX to XXXX. Due to serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts.

It has come to my attention that my perso educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliat entities. This unauthorized access 35.4K constitutes a gross violation of my federal Due to these violations, I formally demand : Immediate and unconditional cancellation of all financial obligations associated with my student loans.

Complete removal of all Advantage-related entries from my credit report.

Written confirmation of this cancellation and credit correction within 30 days. 
If my demands are not met, I reserve the right to pursue all available legal remedies, including claims for damages arising from these privacy breaches and violations of federal law.
Product: Student loan

I have been paying HESAA XXXX XXXX  monthly since XX/XX/2021 on a loan that I co-signed for my son. They repeatedly credit the payment to loans that I am not listed on. 

I've been overcharged without my permission and reported as delinquent on my credit report. 

I have emailed on 2 occasions in the past month with no response, called several times, and the best that they could tell me on the telephone is that a person posts the payments incorrectly. They suggested that I email HESAA and I've not received any relief to date. The agents that I have spoken to have disclosed information to me regarding other loans that I am not listed on, which I believe to also be a significant issue.
Product: Credit reporting or other personal consumer reports

I just so happened to check my credit report and I noticed hard inquiries that I knew nothing about!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries and a inaccurate address on my credit report. I have sent two dispute letters and waited over 45 days but they have ignored my letters and I have received no response.