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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/year> XXXX XXXX XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear Self/South state Bank Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX XXXX as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report.

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated, or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report.

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable.

Removal of this account from my credit report if validation can not be provided or if it has been resolved in full.

To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ).

A copy of any correspondence or documentation related to this account ( if applicable ).

I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX. 

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

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this inmediately re-investigated. the inaccuracies are higty injuerious to my credit score TRANSUNIONS : XXXX NUMBER  ACCOUNT : XXXX DATE : XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

After reviewing my credit report as well as knowing the laws when it comes to credit, looking at according to FCRA section XXXX it is illegal to report information on my credit report without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX is violating my fair credit rights according to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Consumer Financial Protection Bureau Dear Sir/Madam, I am writing to file a formal complaint against the three major credit bureaus, XXXX, XXXX, and Experian, regarding an erroneous reporting on my credit report. Despite numerous attempts to rectify the situation directly with the credit bureaus, the inaccurate reporting persists, causing adverse effects on my ability to obtain purchasing power and violating my consumer rights. 

The erroneous information pertains to a debt allegedly owed to a Timeshare Company, which inaccurately reflects on my credit report under my name, XXXX XXXX. It is important to highlight that I have never engaged in any business transactions or agreements with any Timeshare Company under the mentioned name or any other. 

Upon discovering this discrepancy, I promptly contacted the Timeshare Defense Attorneys, assuming they would rectify the matter. However, despite my efforts and repeated requests for validation of the debt, no action has been taken to correct the misinformation. Furthermore, the credit bureaus, namely XXXX, XXXX, and Experian, have failed to update my credit report accordingly, leaving the erroneous entry intact. 

This inaccurate reporting is not only damaging to my financial reputation but also infringes upon my consumer rights. As a consumer, I have the right to accurate and verifiable information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). By allowing this erroneous entry to persist, the credit bureaus are in violation of the FCRA and failing to fulfill their obligation to ensure the accuracy of consumer credit reports. 

The adverse effects of this erroneous reporting are evident as it hampers my ability to obtain necessary purchase power, hindering my financial stability and well-being. I have taken all necessary steps to resolve this matter directly with the credit bureaus and the relevant parties, yet no progress has been made. 


Thank you for your attention to this matter. I look forward to a prompt resolution and appreciate your assistance in restoring the accuracy of my credit report.
Product: Credit card or prepaid card

Welcome bonus discarding. 

In XX/XX/XXXX I applied for American Express Cash Magnet Card, I was approved and spent described amount of money for welcome bonus. 
I did not receive welcome bonus. 
After multiple attempt to determinate cause of issue, I had phone conversation with customer support XX/XX/XXXX 25min, XX/XX/XXXX 42min, XX/XX/XXXX 35 min, finally only at XX/XX/XXXX I received clear answer that i am not eligible for that offer because I have another card with American Express. 

In agreement " OFFER TERMS Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. '' Complains : 1.Not described clearly that this offer valid only for new customers. 
2.It takes 3 months for customer support to give me answer why offer was declined.

3.I didn't receive any notification that my application was approved without bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are closing on our first home XX/XX/XXXX. Today, XX/XX/XXXX, two different mortgage lenders tried to pull my equifax credit report but were unable to. After a bit of research online, others have experienced this same issue and couldn't get it fixed through equifax but could get it fixed through submitting a complaint. 
I am set up to receive an alert from turbo tax once my credit is pulled and received notifications for both instances however the creditors were unable to get a report. 
I signed up with equifax just to check to make sure I didn't have a freeze and I do not. Running out of ideas and need to get this fixed asap. Thanks!
Product: Checking or savings account

On XX/XX/19 I made a made a mobile deposit of {$3000.00} in my Bank of the West checking account from my XXXX XXXX checking account. According to XXXX XXXX the check cleared the next day. Bank of the West put a hold on the check for 10 days. When asked why I was told because it was a mobile deposit. On the mobile app it only says in vague terms that deposits could be subject to hold. It doesnt give dollar amounts of deposits that could be subject to hold, or the number of days the hold could be for. Customer service was unhelpful in explaining why the hold was in place and how it could be removed. They kept rerouting to other areas, all equally unhelpful. Finally I went into a branch, where at first I was told all they could do was give me another number to call. When I protested that that was what I had been told multiple times, a branch employee called XXXX XXXX to confirm the check had cleared and the hold was released. Why did it take me having to go to the branch for this call to happen? This took a week of getting the run around from unhelpful employees and there was no notice this would happen. The app says funds are available in 2 days, but there may be a delay. This is deceptive and abusive. This arbitrary hold caused me not to have access to my money and caused undue hardship with no explanation why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX No contract and no completed information XXXX XXXX XXXX XXXX unauthorized inquiries 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: Credit reporting or other personal consumer reports

XXXX XXXX has damaged my credit by dropping my credit less than 30 days at a time, I have credit cards that are active that says closed which XXXX XXXXXXXX sent a email saying it was not closed and it Effected my credit. I also had multiple inquiries put on my credit from XXXX XXXX XXXX  that changed their name for one loan transaction that was ran multiple times so I I have multiple inquiries. And payments through PayPal which they charged me for Fraudulent Merchants that was paid with my personal bank card and charged me with credit that was not suppose to be charged for return merchandise that was damaged and looked nothing like the advertised photo which was a Fraudulent photo to get consumers to be charged .this has gone on my Credit since XX/XX/year>. I need help paypal and XXXX credit reports are Very inaccurate.
Product: Credit card

I noticed on my credit report that a credit card was opened at XXXX ( XXXX XXXX  ) on XX/XX/XXXX in Michigan, despite me not making that purchase. I filed a police report with FTC.gov ( attaching here, see my additional note below ) in XXXX and called Concora Credit ( the bank behind the credit card ) to file a dispute. They eventually rejected my dispute claiming they have evidence that I made the purchase and sent me a fake signature as proof. I called them back telling them I have never been to XXXXXXXX XXXX, that signature is not mine, and have not even been to the state of Michigan in XXXX, to which they said they would re-investigate. 

While they were investigating they assured me they would stop sending monthly statements, however, I still received monthly statements with accrued interest, and in their last statement, they are now saying they will send me to collection if I do not pay. I reported this to the credit agencies but recently had the dispute rejected from XXXX. When I called, they said they asked XXXX who said they rejected the dispute. XXXX then told me to file a report here. 

*One additional note : I think I filled out the FTC dispute wrong by saying {$0.00} for " total fraudulent amount ''. I thought this was asking how much money I have paid already ( vs what I owe ). I don't want to change it though because it shows the original date of my initial dispute.
Product: Debt collection

In XX/XX/XXXX I was contacted by KLS Financial Services by letter regarding a debt they claimed I owed to XXXXXXXX XXXX. During my last visit to XXXX XXXX  I paid my account in full. I requested a full accounting of my transactions with this account and documentation they were the legal debt owner. I have received none of the requested information. 
I received another letter from KLS Financial Services dated XX/XX/XXXX stating I must call or write to dispute the debt by XX/XX/XXXX. I called on XX/XX/XXXX to dispute this letter. I requested proof that KLS Financial Services owns this debt. I also requested documentation regarding the specifics of this debt. I was rudely interrupted multiple times when I brought up the clear violation of the fair credit reporting act and that the law must strictly be followed. I was put on hold for an extended period of time. 

I called back again and spoke with XXXX. She is supposed to send documentation, but I have yet to receive anything from this company.
Product: Mortgage

We closed our loan with CHFA ( XXXX ), in XX/XX/2020. We have had the runaround ever since on the escrow refund owed to us of {$3500.00}. I submitted a prior CFPB complaint as to the NUMEROUS conversations during every single month since XXXX. To include XXXX which they failed to mention in their last response. They company claims they have sent several checks but to a XXXX, CO address and we have repeatedly told them that our city is XXXX, Colorado. They know this as we have received our year end tax statement last month mailed to our correct address so why they are supposedly mailing these checks to XXXX, I don't know. We even received a {$54.00} check refund from the second account we had with them. Yet, the larger check has never arrived. After I filed the last complaint, I contacted Colorado Housing and Finance Authority ( CHFA ), who is serviced by XXXX and a Senior Finance Officer there has worked diligently to get our refund to us. She made arrangements with XXXX to have the funds direct deposited in to our bank account, in which they responded to the last CFPB complaint that they did that. That was a blatant lie. I believe they are giving her the runaround also. We have not received our escrow refund. Conversations with XXXX since that time continues to say they again mailed out another check to us. Frustrated, we again wanted to verify the mailing address they are sending it to, and again, they state they mailed it to a XXXX address instead of XXXX. We have continually asked to have the mailing address corrected but they say they can not update it because it is an archived account. Why is an account that has not fully been closed out of all transactions be archived. They still owe us money on that account. The CHFA officer that has worked with me, XXXX, also provided them with our correct address as well as our banking information. Again, we received our year end tax statement at the correct address, but not the money owed to us. Every time I have called, they ALWAYS " transfer '' me to a supervisor whose mailbox is full or I do leave a message and have NEVER been contacted by anyone from XXXX. We are approaching 120 days since our account was paid off and are about to take legal action, contact the State Attorney General, as well as contact the media if we do not have our funds by the 120 day mark. I am a XXXX veteran with XXXX  XXXX and the amount of stress and anxiety this has caused me and my family is unreal. There are literally HUNDREDS of complaints here on the CFPB regarding this same exact scenario of people not able to get their money owed to them from XXXX. This is 100 % a legitimate issue that the CFPB needs to look in to because this company is NOT returning money owed to their customers. This is clearly a class action issue. I don't think a simple response from the company on this, then closing the case is sufficient. There is something illegal going on with that company for consumers to not ever be able to get their money back. I HIGHLY encourage others to take their business elsewhere as this has been a complete nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX all list a bankruptcy on my credit report for a mortgage through XXXX XXXX, and a car loan through XXXX XXXX XXXX and XXXX XXXX XXXX. I recently sold my house and sent the bureaus title paperwork and final invoice as well as insurance statements for the care on those accounts. I've asked them for information on who they've spoken with to verify this information and they only tell me that they verified it without the information I have requested. I sent dispute letters with supporting documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the inaccurate information is still there. I even uploaded the information for online disputes with the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to this agency to remove my statement due to fraud and not being able to fix the issue I had to file bankruptcy. nothing they don't respond and calling them does not exist I have argued that XXXX XXXX was not in my bankruptcy they came back with no changes but XXXX XXXX is still reviewing. so this tells me that Experian is for the creditor and not the consumer and really do not do on behalf of the consumer when they are given proof of what I am stating. 
XXXX and XXXX XXXX XXXX are in my bankruptcy and Experian did not put it on. 
I have had problems with Experian regarding numerous issues and they seem to take the side of the Creditor when they are showing documentation that the Creditor is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint to remove unauthorized credit inquiries on my credit report. 
I did not give anyone permission to examine, access, or utilize my credit report for any purpose, and I have not asked for credit in almost two years. I have contacted the Big 3 and asked to remove the unauthorized inquiries, but until now, there have been no responses from their office. 

I have also contacted the creditors in question, and they have no proof of each initiated inquiry. I request that XXXX, XXXX, and Equifax delete these inquiries from my credit report because they are untested, non-compliant, and unverified. After all, there is no evidence or proof of my authorization of a legal purpose, whether written or verbal, to access my credit report for any reason. 

See attachments included for all the items that are listed per Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted via mail, and uploaded documents from 2 creditors who stated the intent to remove accounts from my file, both are erroneous and inaccurate, and I did not own them, or owe..Experian has yet to delete them, I have given them over 30 days, and they said they did verify the info on file to be accurate??? they are liars
Product: Debt collection

I was sent a letter for a dept from XXXX XXXX  that was paid in full from XXXX XXXX XXXX XXXX. I have the email from XXXX stating the account is paid in full. I do not know why this company is contacting me or trying to collect a dept that's already paid off. I have sent multiple emails to them with proof of that account paid in full with the same account number and they have failed to respond back in 7 days.
Product: Vehicle loan or lease

I get paid on XX/XX/XXXX the manger emailed me and said it would go to repossession on XX/XX/XXXX but she had options then a representative called and said no options and it will be repossessed on XX/XX/XXXX and add more fees she was very rude and then she called my friends and left voicemails for location information when they have my current contact information this is very embarrassing on top of everything else going on in my life that they dont care about and we are only talking 4 days and when I emailed the manager back with my concerns they are not calling me back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed file with FTC, creditor will not reply .... I am trying to buy a house this is holding me up ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding incorrect information on my credit reports to XXXX XXXX and Experian and still have not received an update.
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 XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX 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: Checking or savings account

I disputed some transactions for the amount {$59.00} {$9.00} {$49.00} {$19.00} {$9.00} totaling {$140.00} and the bank did their investigation and concluded that I was owed a refund and gave me provisional credit on XX/XX/2023 but on XX/XX/2023 they reversed the credit stating that the merchant refunded me on XXXX XXXX when I never did and I have copies of my statement and on that date I received two refunds for {$84.00} and {$99.00} but those refunds were for transactions made XX/XX/2023 so I want them to give me my money back totaling {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit Systems keeps reporting inaccurate information on my credit! Please take off or I will sue!
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take XXXX and XXXX XXXX measures to XXXX! XXXX? 

address fraud on their platform, leaving my account vulnerable 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: Debt collection

Called Hawthorn Recovery Services today, XX/XX/18. I told them I only owed XXXX because my original debt was paid XXXX dollars before they sent me to collections. I asked the drs office where the money went and they don't know. They won't give me my money back because they don't know what account it is in. I have disputed this with my bank and they have told me it can take 120 plus days to even get an answer! Mean while, I call Hawthorn recovery services tell them it is the wrong amount owed and i think it is unfair of me to pay right now. The debt collector tells me " well that's fine it will sitting in collections, lowering your credit score, and gaining interest '' might i add this is a medical bill! A medical bill gaining interest! Also the drs office agreed to give me 12 months to pay off my medical bill and only gave me 4 then sent me to collections!