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

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX Employers : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX
Product: Student loan

Update : Nothing has changed other than having to pay Huge amount of interest. I found my information on the XXXX XXXX XXXX page with all of my records, since the beginning. 
My loans are under the XXXX XXXX XXXX. On page 9 of 13 bottom of the paragraph talks about loans being paid off after 10 years of repayment. The loan service company has violated my contract.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax Credit Bureau, and I alleged that the Equifax credit bureau have violated the FCRA or Fair Credit Reporting Act. I had attached copies of my supporting documents such as Driver 's License and SSN to my letter. I have previously attempted to resolve this issue but the late/open accounts still appeared as late in my account but I guess I never been in late of paying. I believe that my complaint is valid and falls within the jurisdiction of the Consumer Financial Protection Bureau. I kindly request that the CFPB investigates this matter and takes the necessary steps to help resolve the issue with the Equifax Credit Bureau. These are the following late/open accounts that are needs to be corrected : DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5100.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX XXXX Balance {$4500.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX XXXX Balance {$2200.00} ; DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4900.00}.
Product: Debt collection

I switched cell phone carriers in XXXX of 2013. XXXX XXXX XXXX to XXXX. Was able to keep my cell phone numbers upon switching companies. Contract with XXXX XXXX XXXX was complete. I had been with that company when it was XXXX. That 's how long I was with XXXX XXXX XXXX. Received a call from XXXX XXXX XXXX about two months after swapping carriers. XXXX informed me that I owed them equipment charge taxes which was over {$200.00}. I asked them why they said It was for their equipment taxes? I said I never heard anything about taxes when I switched. After a brief discussion the representative said not to worry I had been with the company for a extended time and they would just waive the tax charge. I thought that was the end of the story. It did not end there. Enhanced Recovery Company out of XXXX Florida enters the scene one year later with collection on my credit report. This is straight bogus and I have dispute with all XXXX credit report agencies and all they do is after XXXX month is say its legitimate and it will stay on my report. They do not even make that company show any proof that I owe anything. They are asking for {$810.00} to settle this claim. I owe no XXXX anything at all. Please help me remove this from my credit report and make this company report correct collections. They are causing a lot of pain while doing thisXXXX XXXX
Product: Debt collection

I have an unverified account on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I have disputed the validity of this debt and requested verification of this account but there was no response .Therefore I am requesting this debt be removed for three reasons. 1. ) Account not marked disputed in a timely manner. 2. ) Unable to provide proof of this debt, and 3. ) No response to letters of validation. In this complaint there will be documents showing the collection agency received two certified letters. Thanks in advance for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, fXXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections. My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. I have tried credit repair bureaus and have sent numerous documents to all three credit-reporting bureaus that included-in the case of XXXX XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.
Product: Credit reporting or other personal consumer reports

NATIONAL CREDIT SYSTEMS INC Original Creditor Name 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  This collection agency has been banned from being able to used or reported in the United States by the federal Trade Commission
Product: Debt collection

On XX/XX/XXXX, I was notified by Paypal Credit Customer Service my account was in collection and was sent to XXXX XXXX XXXX ( Contact # : XXXX ). This was the first time I was notified I was overdue. I have not received any notifications from either Paypal Credit or the Collection Agency ( XXXX XXXX XXXX ). I immediately contacted the Collection Agency to figure out how this happened. 

History : On or about XX/XX/XXXX, I purchased some items from XXXX XXXX XXXX. This line of credit was through PayPal. On or about that same year, XX/XX/XXXX, XXXX closed the XXXX XXXX XXXX website requiring XXXX XXXX XXXX Credit Customers to link their PayPal accounts. I linked my accounts, as required and requested by the website. Additionally, I verified it was done by trying to re-register, but it gave me an error stating my account had already been linked. In addition to my XXXX XXXX XXXX I have a Paypal Credit Account. The registration should have linked my overall PayPal account, but I am unable to see my XXXX XXXX XXXX account status ( website is shut down ) or unable to see a balance on my Paypal Account. 

PayPal Customer Service/Collections stated they sent email messages and mail to my home address listed. I always monitor my account information and update the address as needed. PayPal Collections stated their process is to send out email notifications first, followed by letters to the address on file and as a last resort calling the phone number listed. 

I was not afforded my due process to respond to a debt prior to collection. Furthermore, since the systems were not linked, I was unable to see a remaining balance due. My account has been overdue for over 400 days yet nothing reflects on my credit report. How can a consumer be charged late fees and interest on a balance he or she is unaware they owe due to a poor notification and system miscommunication/technical issues? 

Over the 400 day period, my balance went from {$170.00} balance owed to {$360.00}. The difference in balance can be attributed to late fees and interest charges. I do not dispute I owe a balance of {$170.00}. I made those purchases and do not dispute the charges. The remaining {$190.00} ( interest and late fees ) is a gross overcharge and should be reflected as a bad credit card practice when the consumer has no knowledge a balance is due. As a consumer, I should have protection and provided due process.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Deletion of Fraudulent Accounts Violation of FCRA 611 ( a ) ( 5 ) ( B ), 605B, and 611 ( a ) To Whom It May Concern, I am writing to formally demand the immediate and permanent deletion of the fraudulent XXXX accounts that were unlawfully reinserted on my credit report by TransUnion in violation of the Fair Credit Reporting Act ( FCRA ). 

These accounts were previously removed in XX/XX/year> after I submitted an Identity Theft Police Report ( LAPD ), an FTC Identity Theft Affidavit, a copy of my Social Security Card, and my Government-issued ID. However, TransUnion has illegally reinserted these accounts without proper notice or verification, in direct violation of federal law. 

Violations Committed by TransUnion 1. Re-Insertion Violation FCRA 611 ( a ) ( 5 ) ( B ) The FCRA mandates that if a credit bureau re-inserts previously deleted information, it must provide the consumer with written notice within five ( 5 ) business days. I have received no such notice. 

DEMAND : Provide written proof that TransUnion properly followed the certification of accuracy process before re-inserting these accounts. If no such proof exists, the accounts must be permanently deleted. 

2. Failure to Block Identity Theft Accounts FCRA 605B Under this provision, once a consumer provides a valid police report and an FTC Identity Theft Affidavit, the credit bureau must block the fraudulent accounts permanently. 

TransUnion has reinserted these accounts despite my documented identity theft claim, which is unlawful. 

DEMAND : Immediately and permanently delete the fraudulent XXXX accounts. 

XXXX. Failure to Conduct a Reasonable Investigation FCRA 611 ( a ) TransUnion is required to conduct a reasonable investigation into disputes. If the furnisher ( JPMCB ) can not produce evidence of my original signed agreement or application, the accounts must be deleted. 

DEMAND : Provide the method of verification used to reinsert these accounts, including : The entity that verified the accounts The documentation used for verification Whether XXXX provided my original signed contract Legal Consequences for Non-Compliance If TransUnion fails to comply with my demands within 15 days, I will proceed with the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney General. 

Seek monetary damages in Small Claims Court for willful FCRA violations under 15 U.S.C. 1681n, which allows for statutory damages of {$1000.00} per violation, punitive damages, and attorney fees.

Pursue further legal action for negligent non-compliance under 15 U.S.C. 1681o.

Final Demand I demand written confirmation from TransUnion stating that : 1. The fraudulent XXXX accounts have been permanently deleted from my report. 

2. No re-insertion will occur in the future.

3. All methods of verification have been provided to me in writing. 

Failure to comply will result in immediate escalation. This letter serves as my final warning. 

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

Dear Experian Dispute Department, I am writing to dispute several accounts that have been reported on my credit profile, which are not mine. The details of the accounts in question are as follows : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened or reported fraudulently without my consent. As these are not my accounts, I kindly request that you investigate and remove them from my credit report.

Thank you for your immediate attention to this dispute. If further information is required, please do not hesitate to contact me.
Product: Credit card or prepaid card

Issue : DISCOVER CARD refuses to resolve a dispute for falsely advertised product. DISCOVER favors the merchant. 

- I purchased a reproduction of oil painting from XXXX - Painting was sent damaged due to improper painting, and it was not as advertised - I tried to work the issue with the seller - Seller tried to sell me another wrong picture (! ) - Seller would not issue a return label citing their own return policy where the buyer has to pay for returns. This policy does not states this for non conforming products, or products damaged in transport, or different from what was advertised. 
- I tried to work out a solution with the seller on the return ( it costs almost as much as the picture itself for shipping back due to no fault of mine ) ; - I have opened a dispute with DISCOVER documenting all these issues ; - 30 days later DISCOVER closed the case in favor of the merchant as a " legitimate transaction '', with no reasonable explanation of why ; - Original wrong painting was never replaced ; - There was no refund attempted ; - Reopened the case with DISCOVER at my request, after I questioned their decision ; - I was told verbally that the resolution may be the same, again in favor of the merchant ; All the documents are already uploaded on the DISCOVERY web site for disputes. Should you need the documents please let me know and I will send them as well to you.
Product: Mortgage

Hello, XX/XX/2020 my chapter XXXX bankruptcy was discharged and my mortgage was never re-affirmed. 
I made the XX/XX/2020 mortgage, early with payment from 2 different banks via bill pay. 
XXXX XXXX made the decision to get this money to use it for fees related to the re-affirmation that I never signed and that they never offered me to sign. 
XXXX XXXX also chose to get the remaining money to pay extra towards the principle. 
XX/XX/2020 mortgage remained unpaid until recently in which I was able to pay it, again. 
Please keep in mind that my house is not in foreclosure and my mortgage is up to date. 
I am reaching out to you for help as XXXX XXXX chose not to help me after many many many attempts. 
Is this practice usual and customary mortgage practice or even ethical / legal? 
Now I find myself in a bind with a financial institution that chooses what disclosures they send me and which disclosures they do not. 
Now I find myself in a bind with a financial institution that chooses how they disperse funds that I pay, as they deem in their best interest. 
None of my excellent payment history is being reported to credit agencies since I never completed the re-affirmation that was never offered to me by XXXX XXXX. Yet XXXX XXXX is able and willing to quickly charge and collect on funds specifically allocated for the Mortgage. 
Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I submitted a complaint with the Cfpb because I wasn't informed about an investigation with TransUnion. During my Investigation, the inaccurate accounts were removed. Because when I went to look at my credit report on XX/XX/2022. I no longer had the collections on my TransUnion credit report. Today XX/XX/2022. I viewed my credit report, and one of the negative accounts XXXX XXXX ) has been returned to my credit report after filing my complaint with the Cfpb on XX/XX/2022. TransUnion removed the negative items around XX/XX/XXXX to make it seem like they completed an Investigation. Since my complaint is closed and states, " Has been resolved. '' TransUnion has added it back to my credit report. I do not trust these credit reporting agencies!!
Product: Credit card or prepaid card

XXXX has charged me for a subscription that is not giving me and American Express is charging me for the subscription even though I have submitted proof that I have not received the service, instead, I have a free subscription. 

On XX/XX/2021, I checked my American Express credit card account and noticed that XXXX had automatically renewed my subscription. I immediately contacted them to request the cancelation of the subscription. I received an email stating that they will not renew my XXXX subscription. They did not return the subscription money to my American Express credit card account. 
I tried to call them but nowhere had they listed a phone number. 
Resigned to have the subscription for one more year I login into my account and they had canceled the subscription but had not reimbursed their fee to my account. 
I contacted them each time I checked the XXXX account ( please see attachment, they have me as a free account ) but they kept both my money and the cancelation. 
I contacted American Express and they did nothing to validate my request. They accepted XXXX 's statement that it was a valid account even though I have sent American Express the attachment showing that it is a free account XXXX is given me. 
American Express kept on charging me over and over the subscription fees each time XXXX denied the claim. I had to spend hours contacting XXXX and American Express every month since XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions 15 U.S.C 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 This issue was not only NOT resolved but there was no evidence of a thorough investigation as well as credible references. This company is extremely untrustworthy. They have over XXXX disputes against them.
Product: Bank account or service

I have XXXX accounts. XXXX ending in XXXX : I have been charged a monthly fee of {$25.00} with no notice or advisement that there would be a charge for anything. I have no idea why it 's being charged after 15 years with the bank. I have emailed, and received no response. They only response I get is to call. I do n't believe it is legal to make me call as I would like their response in writing. 
Account ending XXXX : The account was charged an Overdraft fee of {$35.00} due to a {$10.00} recurring charge at should have been cancelled with the merchant. Since it has been worked out with the merchant, I wo n't be disputing it. I immediately paid the {$10.00} charge the very next day after it was charged, and emailed to request this be removed. However, I received only another {$35.00} charge. Now the account is $ XXXX overdrawn due to less than a {$10.00} charge that was immediately remedied. I emailed them about this, but the same thing, they are saying they will not address this unless I call. I no longer trust this bank, and want everything in writing. I do n't believe it 's legal to make me call them.
Product: Credit reporting or other personal consumer reports

Experian will not investigate the payment history and information on my credit report. Ive tried and tried for several years to check the information and remove or fix the problem but they juts send emails sayin no change from dispute and they never even tried to investigate.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX is refusing to pay me in a paper check or direct deposit, instead they are attempting to force me to use a digital wallet called Branch. My request to have a paper check or direct deposit was met with " this is the only way we do it. ''
Product: Debt collection

On XX/XX/XXXX I looked at my XXXX  credit report and noticed a collection account on there from Receivable Performance Management LLC. I sent them a debt validation letter because I thought it may have been a mistake since I didnt get a notice or a phone call. On XX/XX/XXXX, they sent me a notice and an offer to settle which I should have got before they reported to the credit bureau. I called them to settle the issue. All they tried to do is make the debt out to be mine. They were supposed to email me a fraud letter but I never got it.