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

I am writing to file a formal complaint against your organization for the persistent failure to remove inaccurate items from my credit report. Despite numerous attempts to address and rectify these errors, my credit report continues to contain information that is materially inaccurate and damaging to my financial well-being. 

I have diligently followed the dispute resolution procedures outlined by your agency, providing extensive documentation and evidence supporting my claims of inaccuracies. Nevertheless, your organization 's repeated failures to correct these errors are causing significant harm to my creditworthiness and financial stability. 

It is essential to highlight that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies like yours are required to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my persistent efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate items on my credit report : XXXX obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
I hereby formally request that your organization takes immediate and decisive action to investigate and correct the inaccuracies on my credit report. If it is determined that these items are indeed inaccurate or incomplete, I insist on the following actions : Prompt correction of my credit report to accurately reflect my financial history and creditworthiness. 
Removal of any derogatory or inaccurate information from my credit report. 
Provision of written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other relevant materials. I trust that this information will expedite your investigation and lead to the swift resolution of this issue. Kindly assist me to delete the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting this Exact information from this collection agency. 
The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. The purchase agreement I do not want a BILL I want exactly what I am asking for listed above and the reposes needs to be what is listed above.
Product: Credit reporting or other personal consumer reports

This XXXX  XXXX spark business card belonged to XXXX XXXX XXXX XXXX which Im a partner and worker. This card shouldnt have shown up on my personal credit report and was over limit and recently closed with balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding multiple inaccuracies on my credit report. It has been over 45 days and I have NOT received a response. My disputes are being ignored and I feel like I am being taken advantage of. I demand the immediate removal of these items as Section 611 ( a ) states that failure to investigate these items within 30 days results in immediate removal of disputed items. Additionally, my information was impacted by the XX/XX/XXXX data breech and it may have been compromised. I will take legal action to protect my name, standing, as well as for the undue stress that this has caused if this situation is not remedied. Again I demand that these accounts be removed immediately.
Product: Money transfer, virtual currency, or money service

Continental currency services. XXXX XXXX XXXX XXXX c.a XXXX. XXXX XXXX transaction XXXX reload card. in this office it is already the 4 time that they try to steal money he gave him {$170.00} to recharge my card and I only deposited {$70.00} dollars XXXX ) on my XXXX  card he only gave me {$400.00} of {$800.00} always trying togive me less money same cashier its a women very young look XXXX o XXXX years old only
Product: Debt collection

My husband and I had a XXXX, ( South Dakota ), XXXX. credit card debt that was sent to Global Credit & Collection Corp, XXXX XXXX  XXXX, XXXX, MI XXXX, phone XXXX. They have been collecting payments via ACH for many years. I can readily find bank statements back toXX/XX/XXXX and I know they were collecting payments PRIOR to that. 

When we started the authorization of ACH payments, they informed us they would be charging a {$7.00} monthly convenience fee. At the time, I was an XXXX XXXX XXXX ( XXXX ) for the credit union I was employed. I believe I remember we were told in training that consumers were not to be charged convenience fees for using ACH. I informed them that I believed that fee was not a legitimate fee, but they would not process the transaction without charging it. Knowing we really did owe the debt, I reluctantly agreed to pay the fee. 

In XX/XX/XXXX, my statement from them indicated the fee was {$0.00}, but there was no explanation as to why the fee was suddenly dropped and no longer charged. 

My question, as a consumer, is if they finally determined they should not be charging the fee, what about all the {$7.00} monthly charges I have been paying? My current records indicate I have been charged MORE THAN {$330.00} in these fees. 

I have talked with XXXX XXXX at Global Credit & Collection Corp.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

US DEPARTMENT OF EDU - {$3800.00} XXXX DEPARTMENT OF EDU - {$4900.00} US DEPARTMENT OF EDU - {$2200.00} US DEPARTMENT OF EDU - {$2300.00}
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. Account name : XXXX XXXX XXXX # : XXXX, Account name : DEPT OF EDUCATION/XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX XXXX Account name : XXXX  # : XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX  Account name : XXXX  XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Money transfer, virtual currency, or money service

I received a letter from Citizens bank that they owe me XXXX and to contact a number provided I called the number and I can not get a hold of anyone as it will only help people with an account number. As this is a disbursement of a loan from 2019 I no longer have an account number. I have tried to contact them and it's impossible to recive my money from Citizens bank.
Product: Debt collection

ABILITY RECOVERY SERVICES IS REPORTING A DEBT THAT IS INACCURATE, NOT VERYFIED OR VALIDATED AND IS A VIOLATION OF THE FCRA AND THE FDCPA. I AM REQUESTING THAT THIS ITEM BE DELETED WITHIN 7 DAYS OR I WILL BE SEEKING REMEDY FOR DAMAGES UNDER THE FCRA AND THE FDCPA FOR UP TO {$1000.00} PER VIOLATION AND FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. ( DO NOT TRY TO STATE OR EXPALIN IF YOU ARE CONTRACTED OR HIRED TO COLLECT A DEBT ON BEHALF OF ANOTHER COMPANY.DELETE THIS ACCOUNT, OR I WILL IMMEDIATELY BE SEEKING FOR DAMAGES FROM ABILTY RECOVERY SERVICES BECAUSE YOU ARE THE COMPANY REPORTING THE ACCOUNT TO THE CREDIT BUREAUS. I WILL BE SENDING MY INTENT LETTER.
Product: Student loan

After repeated failed attempts to contact Wells Fargo concerning a duplicate account showing up on my XXXX credit report this issue still has not been resolved. Wells Fargo has reported an account with a minimum monthly payment that exceeds {$28000.00} to XXXX and XXXX that I know of. I have attempted to contact Wells Fargo to verify this information and they have refused to contact me. This is related to a loan received for payment to XXXX, Oregon
Product: Debt collection

I have requested verification of the debt and have not received a proper response according to 15 USC 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX XXXXy : XXXX  XXXX. XXXX, XXXX - Reference Number : XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX - Reference Number : XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Reference Number XXXX I am writing to request that you investigate a public record error on my credit report and remove any incorrect information. I believe that there is an error on my credit report that is affecting my credit score and causing me financial harm. 

I request that you conduct a thorough investigation into this matter and remove any incorrect information from my credit report as soon as possible. I am enclosing supporting documentation to help you in your investigation. 

Please be advised that if this issue is not resolved to my satisfaction, I will be forced to take legal action, including filing a lawsuit. I hope that this can be resolved amicably and without the need for further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

there reporting that I open my student loan in XX/XX/XXXX in which if they would review the promissory note they would see I opened my student loan in fall of XX/XX/XXXX at XXXX XXXX that's the only promissory note every signed, under fair credit reporting act it is unlawfull to change dates and if shown the information being provided to inaccurate the credit reporting agancys must delete the account, have have requested on at least 4 times the information in inaccurate and they still respond with its been validated, im now asking them to please provided the document that is being used to validate these dates that are being reported,
Product: Debt collection

SOURCE XXXX ALERT DATE XX/XX/2020 BALANCE AMOUNT {$3300.00} IS COLLECTION Yes OPEN DATE XX/XX/2020 PAYMENT STATUS Grid Code G ( Collections ) STATUS DATE XX/XX/2020 NAME CREDENCE RESOURCE MANA PHONE BUSINESS TYPE XXXX STREET ADDRESS XXXX XXXX XXXX XXXX XXXX CITY XXXX STATE TX ZIP XXXX This account was from XXXX as a result of identity theft. I already have this removed from XXXX and XXXX, however it is still on my XXXX Report.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cashapp ( Block , Inc ) for inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) .Specifically, Cashapp failed to take timely and effective measures to prevent and 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 Ac ( 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

On XX/XX/2021, Credence Resource Management LLC added a derogatory mark on my credit per XXXX XXXX. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Credence Resource Management LLC did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXXredence Resource Management LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Continuously contacting Credit Bureau regarding erroneously reporting information* on my credit report which they are knowingly and willingly refusing to remove. 

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 TRANSUNION 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, credit repair services, or other personal consumer reports

I am writing to dispute the following information that XXXX Bank supplied to XXXX, Equifax, and XXXX. I have circled the items I dispute on the attached copy of my credit reports. 

This item credit card account with XXXX Bank ending in XXXX is inaccurate because XXXX NOT 30 days late for the month of XX/XX/2022, when they reported this action on XX/XX/2022. 

Also, Federal Laws ( FCRA ) prohibit your company from reporting any derogatory actions while XXXX disputing this account with your company. Therefore, I am requesting that XXXX Bank have this item removed/deleted for my credit report with all three bureaus above. 

Enclosed are copies of my credit reports and the disputed correspondence mailed to XXXX Bank to provide proof that I owe the current amount on this account. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed item as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of a collection acct from XXXX  & Transunion credit agencies. I disputed the acct with both companies this XX/XX/2021. After both agencies investigated, the acct was deleted from my records ( the collection was for XXXX {$220.00} ). In XX/XX/2021 I received notification again from another collection agency for the same ( XXXX {$220.00} ), I disputed the acct again. XXXX  deleted the account again, but Transunion did not. I called Transunion and explained it was for the same XXXX  for the same amount just a different collection company, I asked them to look in my file for the prior dispute from XXXX, and they had a record of it, I was told to re-dispute it, so I did explaining all above. I just received the dispute results, after their investigation they verified its correct. Which its not, just because I lived at an address does not mean I ordered, used or paid for any services, as I explained in this dispute I did not. I chatted with Transunion asking for a written copy of my prior dispute in XX/XX/2021, they said they can not provide that. They sent me a one-time notice via email that I could and did see the finalized original dispute, I did not know I would have such limited access to my information. The dispute was filed online, I have no paperwork trail. I'm trying to fight a collection on my report that is not mine and feel this is an important document. Should I not have access? I asked for proof that I ordered, used or paid for this XXXX  ... ..of course they did not supply that because they can't. I do feel I should be able to obtain a written copy of a dispute. I know its not a huge amount but its affecting my credit. Thank you for your time and helping me with this.
Product: Vehicle loan or lease

This is an account in litigation due to deception and predatory lending practices.
Product: Debt collection

This account was previously placed with another collection agency, which I paid in full. 

This debt was settled, and I do not owe any further balance. If your records indicate otherwise, I request that you provide full documentation and validation of the debt, including : The original creditors name and account number The full chain of title showing your right to collect A detailed payment history, including any payments made to previous collectors A statement explaining why the debt is still being pursued
Product: Debt collection

See prior cfbp case # XXXX. Dyck-O'Neal, Inc. initially attempted to collect debt from me based on stolen identity. I submitted a Federal Trade Commission Identity Theft Victim 's Complaint and Affidavit, signed in front of a XXXX County, Maryland police officer. In cfbp case # XXXX, XXXX Inc. agreed that I was the victim of identity theft and agreed to delete its trade line from my credit file. BUT, within days of receiving the resolution to cfbp case # XXXX, XXXX, Inc. issued me an IRS Form XXXX ( Cancellation of Debt ) for {$210000.00}. Since I was the victim of identity theft, XXXX, Inc. has NOT forgiven any debt of mine and I believe it filed the IRS Form XXXX in a blatant attempt to penalize / harm me for bringing my concerns to the CFPB.
Product: Credit card

Let me explain what happened i booked a flight with XXXX  in XXXX of around XXXX dol, ( this is a big amount half of my monthly income to be precize ) I cancelled it about 8 hrs later well on time for their 24 hr cancellation period. 
This was also accepted by XXXX and i received the amount back on my creditcard. 
Several months later i saw that XXXX had randomly charged my card with the same amount again ( i never booked with them after the cancellation ) i opened a dispute with USbank and it was put in their favor without explanation i reopened it and again few days ago it was put in their favor although i spoke with the head of dispute and he told me it was clear it should have been in my favor. 
i don t know what XXXX  failed to see this as theft i even called XXXX ; ' no we can t refund you because there was no booking ' was their answer me ; there was no booking you say but you see i was charged them ; yes but your bank needs to contact us we can t deal with you directly. 
this joke is going on for almost 7months now! 
all XXXX  affiliated transactions on my creditcard ; XX/XX/XXXX i book a flight XX/XX/XXXX i cancelled the flight within 24hr cancellation option and get my money refunded by XXXX  XX/XX/XXXX XXXX  STEALS randomly the exact amount again from my creditcard I repeat i never booked another flight after my cancellation. and little research which US bank claimed to have done would show that i NEVER booked a second flight so no flight number could b shown. A XXXX  could conclude that, but not the US bank dispute department. 

XX/XX/XXXX Us bank sends me the money back during the research of my dispute XX/XX/XXXX the case is decided in XXXX  s favor and the money is taken away from my account again why? nobody can tell me. injustice and THEFT of the highest degree promoted by MY bank what could XXXX show them to proof this wasfair. there is no bookingscode because no flight was booked there is no passenger. no flight. A XXXX  could research that US bank apparently can t figure that out. 

XX/XX/XXXX i reopen the case the money is provisoir sent back to my account during research period XX/XX/XXXX again US bank decides in XXXX  favor and money gets taken again from my account. 
how can they possibly decide a thief is right question number 1 fr any research department would b to see the invoice of that bill with booking code, and XXXX couldn t give that because NO BOOKING WAS MADE even XXXX confirmed that to me when i called them. 
furthermore i screenshot here my booking with XXXX and the cancellation please help me, companies should not get away with random theft like this. i want to sue them in case you can not help me, please tell me where to go this is total burocratic injustice and theft supported by banks! this joke is going on for 7months almost! i don t just want my money back i want additional victim money for the emotional stress, hanging on the phone for hours with dispute center, increase of mortgage because my creditscore that dropped significantly etc i also sent you an email which contains the screenshots
Product: Credit card

MATTRESS FIRM / SYNCHRONY HOME I made a purchase of a mattress from Mattress Firm on XX/XX/year>. Shortly after receiving my card, I found XXXX unauthorized charges on my account, which were made even before I had received the card. When I checked my balance online, I noticed that the website only displayed the charged amounts without details of the purchases. The total charge for the mattress was {$3700.00}, which is approximately {$700.00} more than what I had agreed upon initially. Additionally, there was another charge for approximately {$200.00} and a third charge for around {$1700.00}. Unfortunately, I can only provide approximate amounts as I can no longer access my account. To access my account, I need the card number, but my card was cancelled due to fraud. When I requested the representative 's name, I was told that I would receive a full report of our conversation via email, but unfortunately, I never received anything. My main goal is to promptly settle the payment for the mattress and close the account as soon as possible. This purchase has been a shopping nightmare from the very beginning. I am eager to resolve this issue and move forward.