23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been disputing information reported by Synchrony Bank/Care Credit and XXXX, XXXX, and XXXX for which they claim My account was charged off {$1100.00} on XX/XX/XXXX. Repeatedly, Synchrony Bank have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Synchrony Bank claims this account was sold to XXXX XXXX XXXX and refuses to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of the debt. They just told me to contact XXXX XXXX XXXX.
Recently, XXXX sent me a copy of a bill statement. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Product: Vehicle loan or lease

My loan should not have been for XXXX, as I made a XXXX dollar down payment and declined the extended warranty. The dealer was supposed to return those funds to westlake. I never heard of they did or not. Westlake is reporting information incorrectly across all three credit bureaus. They have been reporting me as 90 days late since XX/XX/XXXX, on XXXX there are two payments listed as OK for the months of XXXX and XX/XX/XXXX, but I did not have the car at that time. The last activity is reported on XXXX as XX/XX/XXXX and on XXXX as XX/XX/XXXX, and XXXX has nothing. The closed date on XXXX is XX/XX/XXXX and XXXX/XXXX  is blank. The reporting is a mess.
Product: Debt collection

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I met and consulted with XXXX XXXX XXXX on getting extra small XXXXXXXX XXXX, I decided to move forward with XXXX and I put down a {$100.00} deposit. On XX/XX/2022, XXXX XXXX XXXX installed XXXX extensions and placed the hair in two strand twist, on Sunday, XX/XX/XXXX I took down the two-strand twist, and to my surprise, there were several major issues. 

# 1 These weren't the XXXX  that she had shown me prior to installation. # 2. The XXXX  sizes ranged from large and med # 3. The colors were off. # 4. Some of the XXXX  weren't locked. # 5. The hair that was used is not 100 % human hair. I sent her several messages and texts on Sunday up until Tuesday and XXXX blocked me, so I went to the shop and spoke to the manager and he was able to contact her. She then decided to answer my messages only after the manager made her contact me. Her solution was to redo my hair after I purchased more hair, but at this point with her defrauding me, I was not interested in her doing anything else. I told her I would return the hair, but I was asking for a full refund and she declined. 

She's insisting that this hair is human, but two SMEs have analyzed this hair and both agreed that it is not human hair. I have also tested both the front and back and have also concluded that this hair is not human. I paid a total of {$950.00} and I would like a full refund. This business stated on their site that they were committed to providing Human XXXX extension and installation. and she fell short.On Wednesday, XX/XX/2022 I contacted XXXX back to let them know that I had been defrauded and scammed by XXXX XXXX of XXXX XXXX. 

I paid for human XXXX  extensions and install them only to find out they were not human hair XXXX  extensions in addition to other concerns.XXXX  said that there was nothing they could do and since this was paid via a third-party platform Zelle, XXXX recommended I contact Zelle to see if I could get my money back from them. I contacted Zelle and was told that there was nothing they could do. 

Before paying her via Zelle, I tried to pay this vendor via the XXXX XXXX, but it was declined several times, I reached back out to the merchant and she told me that the only other method of payment was via Zelle using her father 's account XXXX XXXX. I thought it was weird but wanted to get her paid. I transferred {$850.00} to his account with a {$100.00} deposit. A total of {$950.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX XXXX I have called the creditor ; XXXX at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. All payments were made on time, with the exception of a 30 day late payment in XXXX of XXXX. 
2. The age of the account 3. The account is closed 4. Shows account status as " Paid '' After XX/XX/XXXX there is NA payment history, the account is closed. Please remove from credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, 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 XXXXXXXX XXXX, XXXX OF XXXX XXXX, 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 an account without my written instructions
Product: Debt collection

I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incidentthat occurred several years ago at the airport in XXXX XXXX XXXX. I lost my wallet and luggage at the airport. Mywallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate thewallet, it was never recovered.Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. Iam concerned that my personal information may have been stolen and used to commit identity theft.I am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the creditbureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity.Thank you for your attention to this matterI am willing to prosecute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update or delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXXBalance : {$0.00}
Product: Debt collection

This debt was resolved in a bankruptcy filed XX/XX/2017 and remains in collections on my credit report. I would like it removed.
Product: Credit reporting or other personal consumer reports

You are still reporting inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline items are inaccurate. This is my second attempt to dispute the validity of the inaccurate accounts you are reporting in its entirety. Further, I request the name and address of the person ( s ) that you contacted to allegedly " verify '' the information that I have rightfully disputed. 

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 The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the account listed below & they told me I've never missed a payment, yet XXXX, XXXX and TransUnion refuses to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, XXXX and TransUnion 's job for them to shield my credit & prove my identity. PLEASE CORRECT THIS RIGHT AWAY!!! 
XXXX XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

I did not authorize nor benefit from any of the following inquiries listed below. This is also a violation of 15 USC 1681 and goes against XXXXXXXX XXXX. 

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

Report to Equifax to remove hard inquiry as stated in your letter dated XX/XX/2019 and XX/XX/2019. It is still not reported and your wrong hard inquiry is still existing on my recent credit report.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit reporting act. This List of account below has violated my federal privacy and confidentiality under 15 USC1681. 

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 A section 2 : It also states a consumer reporting agency can not furnish a instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a person knows or has reasonable cause to believe that the information is in accurate.
Product: Credit reporting

I received a judgment against in from XXXX XXXX Bank in XX/XX/XXXX. I paid the judgment in XX/XX/XXXX ; However, before payment was made it was agreed the judgement would be vacated. Equifax continues to report this even after I disputed with them. Also, Equifax states in their correcpsondence to me dated XXXX XXXX, XXXX that XXXX account would be deleted ; but it remains on my credit report. Also, I disputed the XXXX XXXX account as inaccurate. XXXX sold the alleged debt and it ended in hands of XXXX XXXX XXXX who never answer my Debt Validation letters and subsequently agreed to remove all references to this alleged debt. See CFBP case # XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I received a text alert that someone tried to use my debit card for {$500.00} at the XXXX XXXX XXXX in XXXX, GA. ( I do not live in XXXX, nor have I ever been there. ) It was declined by my bank. I then checked my account and discovered two debit card charges in the amount of {$320.00} and {$490.00} on XX/XX/XXXX at the XXXX. I reported the fraud and my card was cancelled on XX/XX/XXXX. The card was in my possession at the time. Bank of America gave me credit while they investigated. On XX/XX/XXXX, I received an email that stated the investigation was being closed. The bank determined the debit card chip was read and they were taking the money out of my account. My debit card was ALWAYS in my possession. I was told that filing a police report would re-open the investigation, but they would probably not be able to find anything at this point. Bank of America could also not tell me the times of the transactions, only the date for the police report. My debit card was not the one used at the XXXX, since I was in XXXX, Ga at the time, with my debit card. I asked if the bank checked the cameras, but was told they don't have the authority. I would have filed a police report earlier so this matter could have been fully investigated. The banking rep told me that they don't require one. Bank of America has a bigger problem since it appears their debit card could be counterfeited. I filed a police report on XX/XX/XXXX with the XXXX County Sheriff Dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that, I sent in dispute for, and the 3 credit reporting agencies are avoiding me and my letters, its been over 90 days, any they haven't responded to any or my letters about those negative accounts on my credit reports. 

I cant handle this situation anymore, could you please make them respond to the disputes and remove those items that they failed to challenge within 30 days, they also are not notating the accounts are being disputed in the comments section of each account. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Product: Money transfer, virtual currency, or money service

I had used Zelle to transfer money to my dads account and the money left my account but was never sent to his. At this point I had send money numerous times to the same number and contact in Zelle and the transfer went through. This time however, the money was never transferred and I was never refunded the $ XXXX. I contacted my bank XXXX XXXX and Zelle over XXXX times and there was no resolution. Not only has Zelle allowed this type of scam occur, even after thousands of complaints theyve done nothing about it. The lack of accountability is astonishing and unacceptable. Zelle needs to do better.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX XXXX credit card on my Experian credit report. The XXXX  XXXX XXXX credit card is not mine and I have confirmed with XXXX XXXX XXXXXXXX. I have dispute with Experian twice about this issue but they are not able to remove the incorrect information on my report. 
Report Number : XXXX Date GenerateXXXX : XX/XX/2021 2021
Product: Mortgage

I assumed fha loan 1989 XXXX XXXX bank sold to XXXX who approved for modification pay went from 600 to 300 interest rate down 3.5 % now sold to chase need to pay a month late husband past offer me  modiication first so good why not but how low can go never had refinance second mortgage interest rate paid down to principal 30yr coming up modification approve only incentive XXXX saving on note i felt scam worst part get call ask if i want second loan insured what 2nd loan 25yr never believe second loan call chase explain since note current had pull XXXX out show past due so where is XXXX on back end i see no c hange 30 pay drop now i am stuck with brand new loan 30yr fixed 2nd mortgage no worry you no sell you no pay not accept took 2yr they sorry for 2nd mortgage once see i wont stop call ch 2 new everyone who listen claim small error gave me letter say really owe about XXXX i ask why scam mod was told 5yr dexuct XXXX from principal stall tactic now agent no longer work gave me false incentive i assume XXXX loan try make me pay 60yr so u fair start my mission all over i never refi modification is to enhance your plan i did not need 30yr i was at end i feel scam XXXXyr old never wil see deed help me please
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act *XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account 1 : XXXX *XXXX XXXX XXXX Account 2 : XXXX 15 U.S. Code 1681s2 ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition ( B ) Reporting Information After Notice And Confirmation Of Errors APersonShall Not Furnish Information Relating To AConsumerTo AnyConsumer Reporting Agency Without My Written Instructions 15 U.S. Code section 602-A. States I Have The Right To Privacy. 

THE LAW CLEARLY STATES : Transactions Between The Consumer ( ME ) And : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX  Account 1 : XXXX *XXXX XXXX XXXX Account 2 : XXXX Making The Report Is Not INCLUDED On My Consumer Report! 
THE FCRA 15USC 1681a 2Ai By Reporting This Transaction Or Experience On My Consumer Which CONGRESS Clearly States IS NOT Included On My CONSUMER REPORTS.
Product: Credit reporting or other personal consumer reports

I have contacted all 3 credit bureaus to have debt removed older than 7 years. They keep updating the dates and keep it in my credit. This has caused me to have bad credit for past 25 years. I have 100 % payment history for many years and paid many loans off. My credit is damaged due to the credit agencies not following procedures and proper investigation. This has caused me a financial burden for many years. I just want the credit score that I deserve and work very hard to achieve.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Bank account or service

I opened a Citigold checking account with Citi Bank in redemption of a promotional offer for XXXX XXXX XXXX miles after completing {$1000.00} in debit card purchases and completing a bill pay in two consecutive months. After quickly meeting the requirements of the offer, I contacted Citi via secure message ( on XXXX/XXXX/16 ) to confirm the satisfaction of the requirements ( reference # XXXX ) and received word that I had successfully satisfied all requirements of the offer and should " expect to receive your bonus miles no later than your XX/XX/XXXX statement cycle. '' Since then I have contacted Citi by phone and by secure message ( on XXXX and XXXX/XXXX/16 ) and they continue to postpone the originally promised fulfillment date, claiming that there is an ongoing investigation regarding my miles and citing the high volume of investigations to justify their reluctance to pay out the miles they had promised. 

I have been in communication with Citi for several months now with no resolution, and have n't been able to get useful responses from the Citi staff regarding the fulfillment of the offer. Overall it seems like the company is just trying to drag this out as long as possible so that I give up and miss out on the points they had promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried numerous times to rectify this situation with experian. By experian report inaccurate information on my consumer report it has cause me a great deal embarrassment XXXX I have filed a lawsuit for DEFAMATION OF CHARACTER
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XX/XX/XXXX SSN : XXXX Consumer Dispute Center ( TU ) XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
XXXX  Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX OH, XXXX XXXX Please remove the following inaccurate address from my credit report : XXXX XXXXXXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 
XXXX XXXX XXXX XXXXXXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. I have tried to work with them before and after the closing of my account, but they were of no assistance.