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

I have disputed the late payments on XXXX/XXXX  XXXX, XXXX/XXXX XXXX OF HI XXXX, XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit card or prepaid card

Paid an amount of the first purchase on XXXX. Was not notified it didnt go through and was charged a late fee and interest because the payment didnt go through and now my credit score has been effected because I have a late payment on a card. I have the money in the account. The information was all correct. They said I was all set and it would post in 1-2 business. I left the XXXX  on the XXXX and I was just able to see that it never posted. They never notified me. It is with Synchronize Bank and the Lowes Credit card.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of an account from my credit report that is reporting inaccurately. The account in question is with XXXX XXXX. The account has my incorrect name on their records, indicating that they have merged my information with someone else 's. Upon reviewing my credit report, I discovered that XXXX XXXX has reported an account that does not belong to me. This is a case of mistaken identity, as the account is associated with someone else who shares a similar name. This error has resulted in the inaccurate reporting of information on my credit report, which is damaging my credit standing. 

XXXX XXXX XXXX
Product: Mortgage

Dear Freedom Mortgage, Your letter dated XXXX XXXX was received the week of the XXXX. Whereas you have received payment your demand for payment and a late fee is not valid, any late fee imposed is fraudulent. Whereas the bank has verified that the moneys where deposited/transferred in to Freedom Mortgages account in XXXX, XXXX and XXXX your actions are harassment, your threats are counterproductive. As your demand for payment letter was not mailed on XXXX XXXX assuming 3 days for mail we conclude the letter was not mailed tell the XXXX of the month at the earliest. Based your customer service over the years and after speaking with your customer service and being refused to be allow to speak with a supervisor it is clear that your company is not customer oriented. Based on you letter and your actions it is your goal to force property in to foreclosure to incur fees, cost and other amounts that you see fit to impose. 
Of note XX/XX/XXXX to XX/XX/XXXX is 31 days not 33 days. 
Please provide in writing your plan to prevent further miss placement of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several unauthorized inquires found on my Trans Union credit report. They received the dispute on XX/XX/20. I have not received any results at all. According to the Fair Credit Reporting Act, they have 30 days to complete the investigation. Today is XX/XX/20, which is well over the 30 limit. I request that they the delete all items disputed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
TRANSUNION IS ONLY ONE BUREAU who has refused to investigate and remove these fraud accounts from my report. 
1. This account resulted due to identity theft.

XXXX Account Number : XXXX Please remove this account from my credit report immediately!

2. The following account is not mine XXXX XXXX Account Number : XXXX  Please remove this account from my credit report immediately!

3. Validate Account XXXX Account Number : XXXX Please remove this account from my credit report immediately!

4. This is a duplicate account XXXX XXXX XXXX Account Number : XXXX  Please remove this account from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXXXXXX XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Original creditor : XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Money transfer, virtual currency, or money service

I received an offer for U.S. Bank Payment Solutions merchant services. I applied around XXXX and was accepted between XXXX XXXX which met the requirement to signup by XX/XX/XXXX. I received and settled a payment on XX/XX/XXXX which met the requirement of receiving and settling a payment within the first 60 days of opening the merchant acct. It says within 45 days of settlement verification I would receive a bonus of {$600.00}. It has been over 90 days and no bonus provided. I called U.S. Bank several times. The first time I was offered a callback. No one called. I called and spoke to at least 5 agents who transferred me to XXXX and XXXX with all of the former claiming the adjustment was to come directly from U.S. Bank. They have misled and provided deceptive marketing and not wanting to follow through after meeting requirements. I have attempted to work with them and they continuously pass me off to the next person. One agent said they saw something pending and to hold on and just transferred me to another person.

Existing customers : Limit of one Payment Solutions Merchant bonus per business. This offer is only valid for the business checking account referenced in this letter and is not transferable. To earn {$600.00} payment solutions bonus offer, you must open a new a U.S. Bank Payment Solutions Merchant account by XX/XX/XXXX and accept and settle a transaction into your U.S. Bank Business Checking account referenced in this letter within 60 days of the open date of your payment solutions account. The payment solutions bonus will be deposited into your existing U.S. Bank Business Checking account within 45 days of settlement verification, as long as the checking account is open and has a positive balance. Payment solutions bonus offer is not valid if you have an existing U.S. Bank Payment Solutions relationship. Refer to your company application for all terms, conditions and schedule of fees.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX  : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX  XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX  XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Sincerely, XXXX XXXX
Product: Mortgage

I have made multiple attempts to attain a valid breakdown of the fees charged with the attempted foreclosure of my home. I was provided with a list from the XXXX representing the lender, and there are over {$5000.00} dollars in fees that simply say XXXX fees. There are also over {$5000.00} in legal fees in addition to breaking down inspection and title search fees. I have been looking for information as to what they are allowed to charge for, and what they are allowed to charge. I keep finding information that says they may charge reasonable fees, and I find it difficult to believe that {$5000.00} is reasonable for fees that they are not providing any valid purpose of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a XXXX XXXX collection balance with a law firm. ( Account number XXXX ) I attached the SETTLED IN FULL letter to the disputes at the bureaus. The bureaus left a balance on the file. This is a violation of my rights under the Fair Credit Reporting Act. 

According to Section 611 ( a ) ( 1 ) ( A ) of that law : Subject to subsection ( f ), 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.

The key phrase in that paragraph is : " RECORD THE  CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE '' The current status is that the balance is XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for not properly investigating the disputes of fraud on my credit report. I have been requesting an investigation and the removal of the fraudulent XXXX XXXX XXXX account from my credit report for over a year. They consistently respond within 24 hours saying the account is accurate, without providing any proof of investigation. Even when I request it. 
I have provided the requested " additional documents proving my identity '' SEVERAL times. I have sent ID cards, my social security card, bank statements, the title to my car, my military CAC card, credit card statements, utility bills, police report, identity theft reports, etc. It is clear they have not taken the time to investigate this fraud. 
I have filed disputes and sent them information atleast 10 times in the year and a half. 
I provided them with police reports and even had XXXX do an independent investigation and they found that the account was fraud and could not be verified. 
They could not have properly investigated and they violated my consumer rights by not blocking this identity theft from my credit report when I requested it over a year ago. 
Please see attached documents from the past several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items listed need to be disputed : XXXX XXXX XXXX  XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$3200.00} ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the agencies are not able to provide my credit report online as they are all saying they ca n't handle the volume due the amount of traffic that they are getting due to the XXXX breach. 

Most of them are timing out, saying the volume of requests are too high, or they ca n't handle the load. 

Further, all three agencies are not able to effectively place a freeze on the account -- either the system is timing out, or they are indicating that they are not able to place a freeze this time. 

This is the most key time when these functions should be able to work -- the fact they ca n't handle the work load is something they should have thought of and had a contingency plan in place for.
Product: Money transfer, virtual currency, or money service

I purchased a XXXX XXXX from a seller on Mercari. When the item arrived, it was completely broken and unusable. I immediately went into the app to try to initiate a return so I could receive a full refund. Upon doing so, the Mercari system automatically issued my refund as an account credit instead of refunding my original payment method. I contacted customer service to request my original payment method be credited, but they have refused to do this. Instead, they have added my funds to my Mercari account balance, and the only way I can get the money out of the Mercari account is by paying a {$2.00} ACH fee or a {$3.00} instant transfer fee. There is no free transfer option. I believe this is unethical and potentially illegal. I paid for an item which was not received in the condition I was promised, and now this company is trying to charge me a fee in order to receive my refund.

They are saying my refund was processed by their automated system because it was under a " nominal amount, '' but their website policies make no reference of what the value of a nominal transaction is, and regardless of this, I have indicated my full willingness to return this item in order to receive my refund. Their customer service has refused and the only option I have been offered is the refund with a {$2.00} or {$3.00} fee. This is unacceptable. My mercari account is registered under my email XXXX and attached are the email threads with Mercari customer support regarding this issue.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian Dispute Department po box XXXX, XXXX, TX XXXX Subject : Urgent Dispute of Inaccurate Information Immediate Action Required To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. Despite my prior attempts to correct these errors, Experian has failed to comply with 15 USC 1681i and 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) by not conducting a proper investigation.

Additionally, the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian alleges that your company fails to properly investigate disputes and reinserts inaccurate information, which aligns with my experience. 
Disputed Items Creditor Name & Account Number : XXXX XXXX XXXX # XXXX, and XXXXXXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : [ e.g., This account is not mine/ Incorrect balance / Incorrect payment history. ] Requested Action : Remove or correct the error immediately. 
Supporting Documents : [ e.g., Payment records, identity theft affidavit, police report. ] Experians Failure to Investigate I previously disputed this on [ XXXX ], but you failed to conduct a legitimate investigation. 
Your actions violate federal law, causing harm to my creditworthiness and financial well-being. 
Given the CFPBs lawsuit, I am holding Experian accountable for any continued noncompliance.

Urgent Resolution Required Within 3-4 Days I demand that Experian : Immediately delete or correct the disputed information within 3 to 4 days to avoid further legal escalation.

Provide a written confirmation of corrections made to my credit file.

Ensure full compliance with the FCRA to prevent further harm.

If Experian fails to act within 4 days, I will : File a formal complaint with the CFPB, FTC, and state consumer protection agencies.

Pursue legal action for damages under 15 USC 1681o for negligent noncompliance.

This matter is urgent and requires immediate attention. I expect your written response within 4 days from the date of this letter. 
Sincerely, [ XXXX XXXX XXXX Attachments : Copy of credit report with disputed items highlighted Supporting documents ( e.g., proof of payment, identity theft affidavit, police report ) Previous dispute letters and Experians responses ( if any ) This letter makes it clear that you expect action within 3-4 days instead of 30 days, using legal pressure from the CFPB lawsuit to back your demand. Let me know if you want any further tweaks!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reached out XXXX  to closed services towards credit building because the company advertised if used your credit score will now then increased. However, this wasn't the case. XXXX reported to the Credit agencies on XX/XX/XXXX when it was supposed to be reported on the XXXX of each month according to their policy also I haven't owed them {$40.00}. XXXX offered a self credit building option where you can use a safe credit credit building where consumers would have the option to automatically transfer funds from checkings to fulfill any amount owed if any balance accord. However I didn't have any balance owed because I transferred XXXX towards the beginning of that month. When XXXX reported to XXXX  my credit scored plummeted 48 points. XXXX never mentions consumers credit score have a chance of decreasing if used their services during reporting. I have called XXXX to close the account and requested to delete the account from XXXX and stop reporting from any other Credit Agencies such as XXXX  and Experian. Afterwards I dispute the information with XXXX XXXX. After disputing with XXXX  the account Still Remains on my credit report which doesn't give me accurate reporting not did the Credit Reporting Agency restored the 48 points that were lost despite telling them of my circumstances. After closing the account and no longer using their services XXXX still Goes forth with reporting to XXXX  and Experian despite if the account is no longer open several days, after.
Product: Mortgage

Please provide me with a copy of the Note for loan number XXXX as it relates to XXXX XXXX XXXX XXXX XXXX, NC XXXX. I submit this as a Qualified Written Request under the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuing fair and accurate credit reporting. 
The top XXXX credit reporting agencies are providing unfair, inaccurate creditworthiness to lenders. I have been denied credit XXXX time lately based on the credit report they received from XXXX. I requested copies of my credit report from XXXX, XXXX, and TransUnion. The reports all align. 

The lenders rely heavily on the score/grade. They pay these companies to provide a fair and accurate of creditworthiness. After being denied, when you request a copy of the credit report provided to the lender it should include the score/grade because that is what the lender uses in whole or in part to make their decision. This would represent full transparency in providing information. 

This could be XXXX XXXX When younger and you have a low score because you have no credit you are approved for credit. When older with credit history and a low score without anything negative on your report you are denied credit. The reasons for denial were : insufficient credit history ( which was not true ) and we used your credit score in our decision. Both of these reasons show that the reporting agencies are not providing true and accurate creditworthiness reporting.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.