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

XXXX   XXXX ,   XXXX   I went to the  XXXX   XXXX   XXXX , located on  XXXX   XXXX ,  XXXX   XXXX , NJ. I went to  XXXX   XXXX   XXXX  to have some dental work done on my teeth. After a valuation they stated that I needed have bridge work done to correct my dental problem. I was given local anesthesia. After completion of the valuation, I was told that the cost would be  XXXX . {$4000.00}, and I was given an application to complete for Care Credit. It was not completely explained to me about the financing with Care Credit and I was a little drowsy from the anesthesia, so I completed and sign the application. I was only given 15 minutes to make a decision. I left  XXXX   XXXX , went home and thought about what I had done. I read the pamphlet which stated that I had 3 days to rescind the application. I called back to  XXXX   XXXX   XXXX  on th e 3rd day and spoke with one of the  ladies in the office name  XXXX , and told her to cancel my care credit account, I would paid with my own resources. She said the bridge was order. A month later I received a bill in the mail. A few months later I return to  XXXX   XXXX   XXXX  to have the partial   XXXX    done. I made a partial payment to the dentistry by credit card which was accepted. At this time I thought they had cancelled the care credit card application. Another month passed and I received another bill requesting payment from Care Credit. I called  XXXX    XXXX    XXXX  to remind them that I had cancelled the care credit card with them previously. Well they told me that they would not complete my dental work unless the amount was paid in full. I did not return to  XXXX   XXXX   XXXX  and the bills continue to come to my house. My complaint is that I cancelled the application within the 3 days and also paid out of pocket money for my partial   XXXX   work. I had no more dental work done and care credit is on my credit report showing that I owe {$2400.00} with an overdue payment of {$650.00}. I made several attempts to resolve this with  XXXX   XXXX , but have been successful. Please investigate this debt to clear of my credit report. My credit is good and this debt has caused by score to drop. I feel as though I have been taken advantage of as a senior citizen. Thank you for helping me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX  Account # XXXX
Product: Vehicle loan or lease

I had a wells Fargo auto loan with my husband but I was the primary on the account. The car was repossessed without any notification. Wells Fargo was recently fined for improper repossession of vehicles. The reports I read described what happened to me but I never heard anything from them. I want my account to be reviewed to ensure I am eligible to be included.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX Account was opened fraudulently creditor agreed to close and remove account from all three credit bureaus. I spoke to a representative ant XXXX XXXX XXXX and she informed me that they sent update to all three bureaus to remove the fraudulent account.
Product: Mortgage

I represent my client as her POA. My client received her house in her divorce agreement from her ex husband in 2011. As per the court documents and order, the property tax, title, and town records have all transferred to her name. The mortgage was in the ex 's name, and she did a loan modification 5 years ago. She couldn't refinance as her credit score was poor at the time due to the divorce. During that loan modification, the bank did not list, or take any information from the ex husband. It was supposed to be " Assumed '' by her. When my client received her first payment request, she noticed the ex 's name was on the payment request. She immediately contacted them, and they said it will be corrected within the next 30 days. My client continued to pay her mortgage, and has never missed a payment in 5 years. 5-years later it was sold to another bank, and now serviced by SPS ( aka SP Servicing ). We contacted SPS, they said this was a simple process, and we just need to complete a form, which happens to be a new loan modification. We spent hours on the application, spoke with XXXX, XXXX, and XXXX at ext XXXX, provided all the documents, and we were told to wait. When we called back a few days later, we were told under no uncertain terms, we are not allow to have a current owner " Assume '' the loan if the she is one of the original owners. 

All we want is the Ex off the paperwork. 

We tried to contact the owner of the loan, but were told it was XXXX XXXX, and then a trust, and then XXXX XXXX, but they will not address anything, only the servicer. 

My client can't refinance, which is another option, as her credit score is not good due to the loan modification being on the credit report 5 years ago. 

We are looking for help. Maybe it is as simple as having SPS allowing my client to 100 % assume the loan from her ex. Maybe SPS should have done their due diligence to check that the proper owner is on the mortgages they took over from previous servicer. Maybe someone can tell us who actually owns this loan. 

We look forward to your positive response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a 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
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have an inquiry on my Equifax credit report that was not made by me. I tried to dispute with Equifax and spoke to the company once before, but it did not get removed. This inquiry is still on my report and is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Lexis Nexus, XXXX XXXX XXXX third party reporting agencies reporting collections, charge offs, late payments. Per the FRCA as a Federally Protected Consumer I Am Opting Out of Any and all Authorizations I the consumer may have given written/Unwritten verbal/nonverbal per 15 U.S.C 6802. The Privacy Act of 1974 a Charge Off is considered a Certificate of indebtment and all charge offs be removed the Law states that it is illegal to report transaction history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed with XXXX XXXX in 2011. At the initial presentation, they make it so that you feel extremely pressured to stay there and eventually sign a contract with them. They dont let you leave to think about the purchase. They tell you once you leave, the offer is not valid. They make you feel like you have to make a decision right then and there without any kind of time to think. I truthfully thought I understood all of the terms because I was going based off of what the representative was stating. Originally, they told me they were taking my old timeshare as part of the new contract, however, that did not happen. The maintenance fees have also continuously increase and that was never presented to me, which would have been necessary in order for me to make a wise financial decision. I feel completely lied to and I know this was absolutely misrepresented to me. I have reached out for over a year in regard to all of these circumstances and have been blatantly ignored. Now instead of assisting me with my already previous concerns, they gave my account an additional two companies- Kinum and XXXX XXXX XXXX XXXX Both of which have ruined my credit rating. XXXX XXXX XXXX is NOT an attorneys office, it is an office who is trying to receive money from me. I have never signed a contract with XXXX XXXX, nor Kinum for that matter. I have requested the original contract to be sent showing that I never gave authorization to XXXX nor Kinum to obtain my information. I had sent a cease and desist letter to both companies and still was contacted afterwards.
Product: Debt collection

I called on Caine & Weiner on XX/XX/2020 to pay a debt of {$120.00} and receive a letter of removal from my credit report. I spoke to XXXX and I was told I can not get letter unless I pay the Misc. Charges ( {$240.00} ) and the interest fee ( {$45.00} ) I expressed to them this is not whats on my Credit report. I should only be responsible for what is on my credit report. I was told that it was illegal for them to add those charges on to my credit. Which questions why is it okay to charge me and say I can only get my letter if I pay off the extra charges.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX Account number : XXXX I am writing to formally dispute the charge-off status that your agency has reported to my credit file, specifically regarding account number XXXX. This dispute is based on violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802 and 15 USC 6801, which outline responsibilities for accurate reporting and consumer rights.

According to 15 USC 6801, consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information they report. It is my contention that the charge-off reported on my credit report does not accurately reflect the status of the account in question.

Furthermore, under 15 USC 6802, consumer reporting agencies must investigate disputes promptly and ensure that any information found to be inaccurate, incomplete, or unverifiable is promptly deleted or corrected.

Additionally, I wish to point out that in the event of a charge-off, I should have received a Form 1099-C ( Cancellation of Debt ) from the original creditor, since the amount is over {$600.00}, which I have not received to date. The issuance of a 1099-C is required by the Internal Revenue Service ( IRS ) for canceled debts exceeding {$600.00}, and its absence raises concerns about the accuracy of the charge-off status reported by your agency.

I request that you conduct a thorough investigation into the accuracy of the charge-off status of the account. Please provide the following information : 1. Validation of the charge-off, including documentation showing the date of charge-off, the original creditors information, and any supporting details.

2. Evidence that the charge-off was reported accurately and within the timeframe allowed by law.

3. Documentation proving that the reporting complies with the Metro 2 format guidelines.

4. Confirmation of whether a 1099-C was issued for this charge-off and, if so, the date of issuance and the amount reported.

Until this matter is investigated and resolved in accordance with the FCRA, I request that you remove the charge-off from my credit report. Additionally, please confirm in writing that this dispute has been received and is being investigated. 

Please provide a written response within 30 days of receipt of this letter. Failure to comply with these requests will leave me no choice but to pursue legal remedies available to me under federal law. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX
Product: Debt collection

Professional Account Management responded to my previous dispute regarding toll violations with their client XXXX who is responsible for managing the XXXX XXXX XXXX Accounts. After reviewing my XXXX  XXXX XXXX account and speaking with a representative who took the time to review my account at this time no toll violations are associated with my account. Furthermore, the reported toll violations for insufficient funds when the toll charges were accessed were covered by the automated funds replenishment on my account. When the notice was first received, a dispute was submitted to the XXXX XXXXXXXX XXXX XXXX, but they never responded to address my concerns. It was also observed during the investigation that these fees were assessed on my vehicle which had an active XXXX XXXX account that was affixed to my windshield. During the reported toll violation, my peach pass was charged but do to my new car tag not being correctly updated in the XXXX XXXX XXXX I have assessed a toll violation. The dispute I submitted corrected the issue which they should have reversed the toll violations. I have attached a screenshot of my account which clearly lists no toll violations. Please cease all collection activities and have the " original owner of the debt '' send me validation of the original debt so that it can be forwarded to the XXXX  XXXX XXXX account management for correction. Once received and if the debt is validated by the " original owner '' of the debt arrangement will be made with them to satisfy any outstanding balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account : Account number- XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Phone number ( XXXX ) XXXX Balance on XXXX XXXX, XXXX - Original balance {$240.00} has violated rights of privacy.

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
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 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 Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit card or prepaid card

To whom which may concern, I bought the {$500.00} Master Gift card ( ending in XXXX ) at a grocery store on XX/XX/XXXX. When I tried to check the balance and register the card, it said I needed to call in. Then I made the call on the same date and the representative told me the card was deactivated due to safety reason. He asked me to submit a form online XXXX XXXX XXXX XXXX XXXX then it would take about one week to get the replacement card. I then went to the website and filled in all the required info the same day. However, I have not received any replacement card as of today XX/XX/XXXX. I called the customer service several times and they said they did not receive any of my forms. I tried to go to the website to submit the form again but the website kept saying " Your request can not be completed at this time. Please contact the number on the back of your card. '' The phone representative could not help and even hung up my call. Is there a way to get my money back? It has been about three weeks!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, we filed a complaint against XXXX XXXX XXXX   because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I received a prescreened offer from XXXX XXXX. I called XXXX to opt-out just as it indicated at the bottom of the page. I also went to XXXX on XX/XX/2017 and filled out the form for the 5 Year Opt-Out. I received another XXXX XXXX mailing on XX/XX/2017 to which I immediately called XXXX for an opt-out again. Today, XX/XX/2017, I received another XXXX XXXX mailing. I thought something was not right so I pulled my Experian credit report to find that there is no mention of an opt-out. I used to see that I had an opt-out on the file. After three motions for an opt-out it should be reflected somewhere. Today I mailed the opt-out form to make it permanent, not just for five years. There should be some way to check and see if that is on the file.
Product: Credit card

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.
Product: Checking or savings account

Navy federal abruptly closed my account with no given reason as well as denied my appeal, I used my account responsibly never anything negative and there was literally no reason for my account to be suddenly closed.
Product: Credit reporting or other personal consumer reports

I sent in a dispute the week of the XXXX for my XXXX  XXXX XXXX which had a approximate balance remaining of XXXX And I submitted the dispute to XXXX XXXX it not only lowered my credit score XXXX points but the new balance is over XXXX.
Product: Credit reporting or other personal consumer reports

I have been married for years now, and their are credit cards in my name that are not being paid and this is not me, I had my information stolen from my husband ex wife and I filed a police report 2 years ago and this is still on all XXXX of my credit report. 

I would like everything with last name XXXX removed as I have been married since 2015. This is fraud and goes against my constitutional rights are I declare this be removed immediately. I have reached out to the companies and provided proof to them and they are still on my report. This is fraud and I want these items removed.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never XXXX  days late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thank You, please see screenshot attached :
Product: Checking or savings account

Navy Federal has been charging overdraft fees that they wasnt suppose to charge. Navy Federal Credit Union has a lawsuit going and I need to be apart of the lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Maam : Pursuant to the XXXX  Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently XXXXXXXX XXXX XXXX XXXX  with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Please remove these INQUIRIES which are listed in letters and in FTC IMMEDIATELY