23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

After making my final payment of {$12.00} on XX/XX/. I contacted Sunbit to close my credit card account. Today is XX/XX/XXXX and my credit card account isn't closed as of yet. I was advised that it can take up to 48 hours to have my account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX  and TransUnion updated my credit report for the issue I previously reported with XXXX. Original issue was, XXXX added a statement 'affected by natural disaster ' ( COVID ) and then removed it causing a massive hit to my score. After the investigation, XXXX added the statement BACK to my report as well as 'Current '. 

Outstanding Issue : My credit score never went back up from that massive deduction on either reporting agency report.
Product: Debt collection

The short version : IC Systems attempted to collect a debt for a service that I never received and was never invoiced for. I paid the sum anyways to avoid blemishing my credit. Nevertheless, IC Systems continues to report it as delinquent to credit agencies. 

The long version : My son used to attend an aftercare program operated by XXXX XXXX in XXXX. His last day in the program was XX/XX/XXXX. We received the final invoice on XX/XX/XXXX and paid it in full on XX/XX/XXXX. We did not hear anything further about our account until XX/XX/XXXX when a XXXX employee emailed us to say that we had an unpaid balance of {$66.00} for the week of XX/XX/XXXX. We immediately called that employee and asked her to send us an invoice. She failed to do so. After consulting our calendars, we determined that our son had not attended XXXX for the week in question. We considered the matter settled until sometime in XXXX when I received a letter from the collection agency, IC Systems, demanding the {$66.00} that we didnt owe. I went ahead and paid the sum to avoid blemishing my credit. The payment was processed by XXXX on XX/XX/XXXX. However, IC Systems continues to report the amount as delinquent to credit agencies.
Product: Mortgage

Our mortgage was sold to Selene by XXXX the summer/fall of last year. My husband is on permanent XXXX due to XXXX, and I am unemployed ( Covid-19 related ). I was able to find a part time job, but not nearly the same amount I was making before Covid, plus the job is a grant-funded position. We were under forebearnce with XXXX and was at the beginning of applying for a modification when our mortgage was sold ton Selene. My husband also is under XXXX XXXX bankruptcy. 

Weve tried to work with Selene numerous times on a loan modification. We have a XXXX XXXX XXXX son and nowhere to go if we lose our home. Selene sent my husbands bankruptcy attorney a modification, whereby we had to make one payment and then Selene would give us a permanent modification and agree to esponge my husbands bankruptcy records. We held up our end of the bargain, but Selene hadnt. They told the attorney they sent the modification in error, even though we paid the amount in the mortgage and have been paying the regular mortgage amount since XXXX of XXXX. Worst of all, the money we paid has been reversed by Selene, but we havent gotten any of it back. They are impossible to reach and when we did get a representative, we were told they couldnt speak to us about our own account.

The bankruptcy judge says he cant force them to uphold the agreement and we have yet another court date. We dont know what to do. It seems like Selene isnt interested in helping us keep our home, but wants to foreclose on it. We have a young son and need to keep our house. We want Selene to honor the trial modification they sent us. Weve done our due diligence.
Product: Credit reporting or other personal consumer reports

I am submitting this formal statement regarding XXXX failure to properly investigate disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute inaccurate information on my credit report, XXXX has failed to conduct a reasonable investigation and has continued reporting erroneous data. 

XXXX continues to respond within 24 hours stating that the accounts are accurate without proper investigation and proof of accuracy. 

Disputed Account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXXXXXX XXXX  XXXX XXXX and XXXX XXXX According to recent findings from the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to improperly handle consumer disputes, failing to conduct thorough investigations and often maintaining inaccurate data despite clear evidence to the contrary. My experience aligns with these findings, as XXXX has either dismissed my dispute without adequate verification or has not responded within the legally required timeframe. 

Under the FCRA ( 15 U.S.C. 1681i ), XXXX is required to : 1. Conduct a reasonable investigation of disputed information.


2. Correct or delete any inaccurate, incomplete, or unverifiable information. 3.
Respond within 30 days of receiving a dispute. 



XXXX failure to comply with these legal obligations has caused undue harm to my credit profile, potentially affecting my financial standing, loan eligibility, and overall creditworthiness. If XXXX does not take immediate corrective action, I will escalate this matter to the CFPB, Federal Trade Commission ( FTC ), and, if necessary, pursue legal action for violations of the FCRA. 

I demand that XXXX immediately conduct a proper investigation, correct or remove the disputed information, and provide written confirmation of the resolution. 

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

I am interested in disputing all incorrect information on my credit report with experian. checking my file ive noticed alot of invalid data that is hindering my file. please delete an remove all information submitted in the files asap.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account XXXX XXXX XXXX XXXX XXXX XXXX payment late year XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2. It also stated consumer reporting agency can not furnish an account without my instructions under 15 USC. 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. This is in regards to late payments on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I applied for and received an individual and a business credit card from American Express cobranded with XXXX XXXX. As part of sign up promotion American Express offer clearly states that I am entitled to a five night and two stay credit with XXXX toward elite status for each card ( individual and business ) .see attached terms and email confirming terms from XXXX . I received credit for XXXX  card but not the other over one month after account opening. I contacted American Express on XX/XX/XXXX requesting the credit. AMEX representative acknowledged the terms but told me to contact starwood. I contacted Starwood ambassador service XX/XX/XXXX and received an email response ( attached ) telling me I need to contact AMEX. I contacted AMEX on XX/XX/XXXX and spoke with representative named XXXX who told me that XXXX is responsible for this award. See Amex terms that clearly lay out this offer. Since this is Amex terms and the card is cobranded AMEX card I request that Amex fulfill its obligations as per attached terms. As per attached and link below https : //www.americanexpress.com/us/credit-cards/personal-card-application/terms/starwood-preferred-credit-card/36501-10-0/? pznOfferCode=PJCL-2EYIDA-1EV3-H6X & print # offerBenefitTermsDisclosures
Product: Payday loan, title loan, personal loan, or advance loan

Hello! 
I applied for a line of credit using XXXX XXXX XXXX XXXX program online. The credit was provided by Citizens Pay bank. I got approved for {$5500.00}. I made a purchase on XXXX XXXX using this program and, when the product got delivered, the shipping box and the product itself were damaged. I returned it. When I got the amount refunded, I made the purchase again. Even though, I had available amount on my account and had a confirmation call from Citizens Pay bank supervisor that I could make a purchase, XXXX XXXX cancelled it in several minutes after the order had been placed. 
I was calling Citizens Pay many times to resolve this issue, had conversations with multiple supervisors. They were giving me different reasons and time frames for the wait before I could purchase again. They were saying that I had to go through some clearance process in order to be able to use the credit again after every new purchase attempt. Once again I got a confirmation call from a supervisor that I was cleared and could make a purchase. But the same story happened again - my order got cancelled by XXXX XXXX. I called the bank and they said that I was not fully cleared for some reason. I went through this exact same situation XXXX more times. Still, neither Citizens Pay nor XXXX XXXX could help me to resolve this issue. 
I have spent so much time on the phone with customer service. I would just like this problem to be fixed and I want to be able to use the credit amount that I was approved for. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 15 USC 1681. 

XXXX XXXX ( Original Creditor : XXXX XXXX UNIVERSITY ) Account # 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 15 U.S.C 1681c. ( 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Payday loan, title loan, personal loan, or advance loan

In XXXX and XXXX I was a victim of identity theft. A convicted felon had been released from prison during COVID, broke into our business offices and stole all my tax and personal information. XXXX of charges were made without my permission, accounts opened, attempts to open brokerage accounts and also infiltration of my bank accounts. Since then, I have worked with law enforcement and they have a warrant for his arrest. As to this date, I believe he has yet to be picked up. 

My insurance company, XXXX XXXX contracted a company called XXXX to assist with taking care of this. XXXX XXXX was assigned to me and assisted with many letters requesting institutions cooperate with the lawful removal of derogatory info and reinstate any lines of credit that were reduced or taken away due to credit review or usage based on inaccurate info at the time. 

All banks/companies complied, including XXXX XXXX XXXX XXXX XXXX and others- with the exception of Chase Bank . They took away the line of credit and left me with the balance to pay. 

I have tried to resolve at the branch many times, however they go through private client staff so frequently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60-90 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, XXXX and Equifax a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Credit reporting or other personal consumer reports

I want all reported accounts, incorrect information and addresses removed from all three credit bureaus. I have been trying for 4+ years to get things removed using a credit repair service to get nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered all 3credit reports for this year, I received 2 but did not get equifax wrote me that I had been sent my free report for this year, I called them twice and told them I had not received it. They are asking me to send them a bunch. Of stuff. I tried to get one last year same problem What do I do XXXX orXX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized and inaccurate credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
Details of Disputed Entries : Creditor Name : XXXX XXXX XXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XX/XX/XXXX - XX/XX/XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 
A charge-off should not have a past due balance or be reported as past due once the account is sold. It is considered as income since the alleged account has been written off by the debtor.

Inaccurate reporting of this charge-off account can be damaging and may be considered defamatory. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e : Consumer reporting agencies must follow procedures to ensure the accuracy of the information in consumer reports.
Product: Credit card or prepaid card

I received an American Express prepaid debit card of {$25.00} in early XXXX. The card clearly shows on the face an expiration date of XX/XX/XXXX. I assumed this meant the card would be good until XXXX of XXXX. 

However, I discovered on XX/XX/XXXX that the balance had been depleted as a result of recurring monthly fees of {$3.00}. 

I contacted American Express immediately upon discovery of the missing funds and explained the situation to them. The representative who answered the phone ( XXXX ) first " investigated '' the situation, located my account, and explained that the card was designed to charge a {$3.00} beginning 13 months after activation ( or mid-XXXX  ). Later, she " investigated '' again and this time found the card was designed to charge the fee beginning six months after activation ( or late XXXX ). I explained to XXXX that the clearly printed expiration date on the front of the cards was deceptive and had deceived and harmed me. She indicated multiple times that the company would not do anything to remedy the situation. 

I have been harmed by American Express ' representation of the expiration date on the face of the card. They have clearly printed and communicated that the debit card funds would be active until XX/XX/XXXX, but in reality the program limited ANY card benefit to mid-XXXX -- fully seven years prior to the stated expiration date! I consider that misleading piece of information both deceptive and unfair. I believe American Express has engaged in a deceptive business practice. I want to be made whole, and I want American Express to cease this practice.
Product: Credit reporting or other personal consumer reports

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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable items and rectify them immediately in my report : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account invulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A backround check conducted by checker has incorrect information. Causing me to no longer be employed. This information has jeopardized me financially. This is the only reporting agency with said information.
Product: Checking or savings account

I SPOKE TO REPS XXXX AND XXXX on XX/XX/year> Horrible reps and XXXX hung up on me but before that she claimed saying she could not find my account number which I provided correctly both account numbers she demanded my social security number I had no choice but to provide the full Social security number then she said she was able to find my accounts and when I reguested a manager she purposely hung up on me. I believe she requested my ssn for fraudulent reasons and I want this issue to be investigated.
Product: Debt collection

I owed the Original Credit which was XXXX XXXX XXXX  and after they charged the debt off they sold it to XXXX XXXX who is a debt buyer in XX/XX/2016. XXXX XXXX hired a collector by the name of Jacob Law Group to try and collect the debt. Jacob Law Group sent me a settlement letter and I submitted the settlement amount as required and they won't update the credit report showing the debt has been settled. They have it showing that I still owe {$530.00}. Also the statue of limitations on old debt is 3 yrs and it is over 3 yrs and they are still trying to collect. See attached info.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XX/XX/2021 i filed a compliant about the incorrect information reporting on my credit report also complaint id # XXXX. I also disputed the problem with XXXX and Experian 30 days ago and have not received any results yet. by FCRA is a violation the item must be removed. XXXX XXXX XXXX collection account number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Charge Off on Credit Report - Reference to FCRA Section 611 ( a ) ( 5 ) ( A ) Dear XXXX I hope this message finds you well. I am writing to dispute the charge off that is currently appearing on my credit report. The charge off in question are account number : XXXX, XXXX and XXXX which has been sold to a collector, is causing inaccuracies in my credit history. 

I want to bring your attention to Section 611 ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which states that if a debt has been sold or transferred to a new creditor, the original creditor must update the account information to reflect that it is no longer their responsibility. Based on this provision, I believe that the charge off should be removed from my credit report as it is no longer the responsibility of the original creditor. 

I kindly request that you conduct a thorough investigation into this matter and update my credit report accordingly. It is important for my credit history to accurately reflect my financial standing, and the presence of this charge off is misleading. 

Thank you for your attention to this matter. I would appreciate receiving a written confirmation of the resolution once the investigation is complete. 

Should you require any additional information or documentation, please do not hesitate to reach out to me. I am more than willing to cooperate to rectify this situation. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle wont allow me to access my account on their page at all so I can see my account.
Product: Debt collection

Portfolio recovery is harassing me weekly by sending multiple letters through mail to obtain a debt already settled. Settlement letter is written by portfolio recovery with a XXXX  balance but yet they seem to harass me through mail to collect a non existent debt. I never signed a contract with portfolio recovery they do not have products ito offer just a leech that attaches themselves to individuals credit profile for the sole purpose of monetary gain. I am requesting a cease and desist of all calls, email, mail contact with me immediately.