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

Subject : Follow-up Request for Deletion of Outdated Address Under 15 USC 1681i ( a ) ( 1 ) ( A ) I am writing to follow with TransUnion up on my previous request dated XX/XX/year>, regarding the removal of outdated address information from my credit report. Despite more than 35 days having passed, the requested corrections have not been made. 

This delay constitutes a violation of federal law under 15 USC 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to investigate and resolve disputes within 30 days of receiving a dispute notice, subject to certain exceptions. 

I respectfully request that you immediately delete the outdated address from my credit file. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

1. Hunter Warfield sent me a letter to collect application fee and reservation fee for their client : XXXX. 
2. XXXX is an apartment renting and management agent in XXXX XXXX, to which I applied an apartment to rent in XXXX online, however I never got any reply from XXXX to either accept or reject my application. Later on they charged me for application and reservation fee, which I requested them to present me any legal documentation signed by both parties, which they failed to do so. XXXX then decided to send this case to the debt collection service Hunter Warfield. 
3. Once I got the debt collection letter from Hunter Warfield, I sent three certified letters to Hunter Warfield to respond and present me any legal documentation which proved that I owned XXXX any fees, Hunter Warfield never replied my requests. 
4. Due to my international travel and a potential impact on my credit while I was traveling, ( this was clearly stated in Hunter Warfield letter to me " This debt has been reported or is scheduled to be reported to one or all of the following XXXX national credit reporting bureaus : XXXX. If your debt is reported to the credit bureaus this could adersely affect your credit. ) 5. I then filled their debt collection letter with my credit card info for the charge, alone with a letter clearly stated that they needed to reply my request on providing me legal documentation on the debt before they could charge me on my credit card. 
6. Couple of weeks later when I came back from my international trip, I did n't receive any legal documentation on the debt Hunter Warfield claimed that I owed, but Hunter Warfield had charged my credit card.
Product: Checking or savings account

A fraudulent charge on my debit card has not been reversed after days of being on the phone. I was told on the phone that the charge would be reversed by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a lot of letter to the bureaus such as TrnansUnion, XXXX  and XXXX, but they don't work wirh my case. I want you to investigate my credit report because it has a lot of inaccuracies, errors that I want to fix. 
Thank you.
Product: Credit reporting or other personal consumer reports

The inquiries in question were related to a business credit application, not a personal credit request. Under the Fair Credit Reporting Act ( FCRA ), only personal credit-related inquiries should appear on consumer credit reports. This incorrect reporting may negatively impact the consumers credit profile and should be corrected immediately. Please remove the unauthorized inquiry to ensure compliance with FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX report XXXX. After several tries to get the XXXX XXXX ( XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the XXXX and XXXX files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent to me.
Product: Debt collection

XXXX continued to charge a monthly fee after the business a ) notified them to cancel their paid advertising portion of the service and b ) that it was shutting down due to COVID ( New York had topped half a million confirmed COVID-19 cases, curfews were put in place, schools went all-remote, and indoor workforce reductions became mandatory ). This is a high-risk business ( XXXX  ) and could not afford to advertise while closed. XXXX did not honor the request ( XX/XX/2020 ) and continued billing for four additional monthly payments. It then handed 4mo worth of such charges to TrueAccord ( their collection agency ), which has been hyper-aggressive in attempting to collect {$280.00} even though there should be no debt at all. XXXX now disavows any control over the process, saying they can not cancel the fees or correct the info in any way, but rather it must be handled through TrueAccord which ( as TrueAccord is XXXX 's agent ) is neither true, nor honest, and is not actually the law. 

XXXX has further stated that the business owner bears responsibility for the extra billing, because she did not answer emails from Yelp ( which she could not read, as they were not in her language ) during the shutdown. This sidesteps the issue that further emails should be irrelevant, once advertising is ordered stopped or paused. 

This business is a minority-owned business, with no one who speaks fluent English, and a vulnerable population ( XXXX XXXX ) as indicated by the recent mass shooting on XX/XX/XXXX, during which XXXX ( through TrueAccord ) has continued daily collection contacts, despite the XXXX  having to close again for the safety of its staff. XXXX has taken advantage of the language disparity, and the relative disparity in negotiating power between the two firms, and attempted to offload accountability to its agent, rather than ( properly ) cancel the supposed debt. Besides viewing this with utter disgust, it's inappropriate contractually and legally.
Product: Debt collection

XX/XX/XXXX I settled a medical debt with XXXX XXXX for service that was rendered XX/XX/XXXX. 

Today, I spoke to XXXX XXXX from Nationwide Recovery who told me I owed another bill from the same creditor but with a different amount and account number. This is the first time I've heard about this new account.
Product: Credit reporting or other personal consumer reports

Checked my credit report to make sure everything was complete and accurate on my credit report when I went to the hard inquiries section I noticed there were some hard inquiries I didnt authorized I sent letters to all 3 credit bureaus equifax XXXX and XXXX informed them these are unauthorized and I did not do and it is still not removed from my credit report I dont know whats going on I dont know if theyre working but it is still on my report and it shouldnt be
Product: Checking or savings account

Hello, I took my car for service to mechanic to repair the heating system, since I was not getting heat in my car, so the car repair guy asked me {$660.00} for repair. 

He took my car and I do not know what he did, but later he gave me car back saying that everything is take care, heating is repair, so I gave him my debit car for charge keeping in mind that if he did not actually repair my car, I can claim the money back from him, or if he denies, I can claim it with bank, Since bank say that they will offer a dispute resolution for the service not received and will give me my money back by taking it from merchant in case if he actually did not repair my car. And finally the car was actually not repaired and the heating system is the same since the same day he gave my car back to me claimed to be repaired. I asked them refund, they said no, I contacted my back, waited for a whole month sending them documents what they need, and finally the back declined the claim saying that I need to contact the merchant, when in fact if it was the case, why the bank make me struggle for a whole month and asking documents and wasted my time. Due to heat problem, I had a XXXX problem in my XXXX due to driving in cold, I spent a good money for no or zero service. 

Bank Name : Chase Bank Claim Number : XXXX Ban Call Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX ) My Account Ending in : XXXX Merchant Name : XXXX XXXX XXXX XXXX XXXX XXXX Disputed Amount : {$660.00} Thanks!
Product: Credit reporting or other personal consumer reports

on XXXX | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.|
Product: Mortgage

Keep submitting documents and agents keep being switched on my account just being ran around in circles
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You
Product: Credit reporting or other personal consumer reports

XXXX Letters were mailed to XXXX XXXX XXXX and Transunion regarding the inaccuracies of my personal informtion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please explain and upload supporting evidence. I have disputed this with the bureaus and Amex directly and they have not provided proof of debt and I want this removed immediately. account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts are reporting on my credit reports that are incorrect XXXX XXXX-XXXX**** XXXX XXXX XXXX XXXX** XXXX XXXX   XXXX**** XXXX  XXXX  XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Debt Reporting act XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights.

15 U.S.C.1681 Section 602 A. States that 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: Credit reporting, credit repair services, or other personal consumer reports

As of today 's date, XX/XX/XXXX ; Equifax shows a credit score for me of XXXX after it went down by 20 points, due to spending on my credit limit. However, XXXX shows a credit of XXXX, XXXX shows a credit of XXXX ; and both of the latter credit bureaus show an increase in credit score while Equifax, which shows zero collections always shows a decrease. Additionally, XXXX shows only a 29 % use of credit, while Equifax shows 40 % I have attached all 3 credit reports and proof of payment for XXXX -confirmation # XXXX ( receipt was not sent, yet ).  There is ZERO uniformity between credit reporting agencies, and there's no accountability for credit bureaus on how they report our credit. 

How is there a 23 point difference between XXXX  and Equifax and 38 point difference between XXXX  and Equifax ; when I have collections on XXXX ( 2 of 3 have been totally paid off as of XX/XX/XXXX )?
Product: Mortgage

I was in the process of Loan Modification with the mortgage company. The application process was near completion. However, there were several questions and information I needed that I was unable to get. The mortgage company assigned a counselor to me ( XXXX ). Although I had made several calls and e-mails to the counselor, I did not receive a response from him after XX/XX/XXXX. There were 2 questions that I did not complete on the loan modification application. In response to my asking the counselor to send the two pages via e-mail for completion, he sent an email ( attached ) requesting information so that we could transact business via e-mail. I returned the requested information via e-mail ( attached ). I called and e-mailed the counselor several times after XX/XX/XXXX as there were questions that I had and I never received the pages that needed completion, but did not get any response from the counselor. When I called the response I received was that he was not in the office yet or that he would be given the messages. Sometime during the later part of XX/XX/XXXX I received a letter from the mortgage company 's legal attorney that my home would be sold at foreclosure on XX/XX/XXXX. I continued to call my assigned counselor at Fay Servicing for information regarding the loan modification pages to complete and information regarding what I could do to stop the foreclosure. I never got a return call from the counselor.  A friend recommended that I go to the Neighborhood Housing Association which I did on XX/XX/XXXX and XXXX, XX/XX/XXXX The representative from the Neighborhood Housing Association called and spoke with several administrators regarding my not having sufficient understanding of my rights regarding the foreclosure and my failure to receive a response from the mortgage company 's assigned counselor regarding the modification loan application and the scheduled foreclosure sale of my home. It was at this time that I was told that the counselor assigned to me had been out sick. The mortgage administrators stated that anyone could have helped me with my questions/concerns. However, the representatives I spoke with by phone between XX/XX/XXXX andXX/XX/XXXX andXX/XX/XXXX looked at the information on the computer screen, but said that I should speak to my counselor because he would be privy to information that may not have been on the screen. In fact, one of the associates with whom I talked requested that I send the information giving permission for the mortgage company to conduct business via e-mail. This information had been sent to my assigned counselor as early as XX/XX/XXXX. This documented the fact that the counselors who assisted me did not have all of the information needed to inform me or assist with my rights regarding the pending foreclosure sale of my home. Not once was I told that the assigned counselor was out sick. At that point, I had further concerns that he had not gotten my e-mails or phone calls requesting information and help. The mortgage administrators informed the housing representative that there was nothing they could do. The foreclosure sale of my home was done on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$120.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of various accounts that appear on my credit report as the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am writing a formal complaint to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I called Equifax to unblock my credit report and score. Isent in the information requested on or around XX/XX/year>. And there was no response from Equifax by mail or email.
Product: Debt collection

The medical related collection account # XXXX in the amount of {$830.00} which is reported to the credit bureaus by Amerifinancial Solutions is fraudulent and was a result of ID Theft. I have already corrected this matter several years ago by contacting the original creditor and submitting copies of the police report and FTC report. 
Amerifinancial Solutions has violated FDCPA by not notifying me in writing and denying me the opportunity to dispute their claim and request validation. They have listed this fraudulent debt by changing the account number and reporting it to the credit bureaus as a new collection account. I contacted Amerifinancial Solutions on XXXX XX/XX/2019 at XXXX via phone call and spoke to XXXX advising her that I don't owe this amount and requested a fax number to submit supporting documents but she refused to provide a fax number. I have no responsibility to this debt, this is not my debt and it is injuries to my credit report.
Product: Credit reporting

contacted XXXX and let them know that the debt was not mine. It belongs to my ex-wife, and accured while I was XXXX in the Department of Corrections from XX/XX/XXXX to XX/XX/XXXX
Product: Credit card

On XX/XX/year> at XXXX PST I called Capital One Credit card services to request my negative balance of {$1000.00} be refunded to me by bank direct deposit. 

The customer service agent I spoke with, ( he stated his name was XXXX, or XXXX ), said I would have to have a paper check sent to me. I explained to him that I have personal experience with having been refunded by direct deposits in the past with the same banking entity, and additionally I have been informed by Capital One that it is possible for me to have my money returned to me by direct deposit. He stated that the ONLY way I could get my money returned was by a paper check. I told him I was informed by Capital One that in fact there are additional ways besides a paper check and one of those ways is by direct deposit. 

See this quote from Capital One 's webiste : https : //www.capitalone.com/learn-grow/money-management/overpay-credit-card/ Quote : " Request a refund If you have a negative balance and want the money back, you can make a written request to your credit card company for a refund. Your credit card company might also accept requests in person or over the phone. 

If you overpay your credit card by more than {$1.00} and request a refund, your credit card company must send you a refund within seven business days of getting your written request. The refund may come in the form of a bank account deposit, cash, a check or a money order. '' XXXX is deceiving me in an attempt to limit me from receiving my money by misinforming with disinformation and misrepresenting the truth. He not olny refused to be honest about my options, he purposefully left me with no options to receive my money in the way I need to receive it.
Product: Credit card or prepaid card

I opened a Macy 's credit account and they provided me with a temporary card. I received a bill for the balance before I received a physical card. The bill did not include a full account number so I used the account number referenced on the temporary card and paid in full ( XXXX ) via my on-line checking account. They took the payment but lost it. I received a second bill stating balance was not paid and charging interest. I immediately called in, explained my issue and was told another department would look into it and call me back. They never did. I have contacted the credit card company no less than 5 times. I have sent them proof of the payment with amount and their name on the withdrawel. I have shown they never returned payment so they still have it. Within 30 days of sending them this information they reported non payment to the credit bureaus. I have sent the credit bureaus the same proof but apparently my credit score keeps going down. The bills even say the account is in dispute and I do not owe the disputed amount at this time, but the only other charges on the account are the fees and interest on the {$330.00}. I recently applied for a XXXX XXXX XXXX and was denied due to this issue. How do I get this removed from my credit report, restore what was an excellent credit rating and get Macys to apply my on time and in full payment that they took on XX/XX/?
Product: Credit card

On XX/XX/year> I received in the mail a card ( Visa ) from CHIME. I did NOT open nor authorize this card. 
I have my credit frozen with all XXXX Major Credit reporting agencies so no one should have been able to open an account in my name. 

I called CHIME and asked them to close it and my confirmation of same. They tell me they can not close it because I opened it which is nuts. I need it closed. Obviously, who ever opened it did so fraudulently and that can not stand.