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

I have been fighting with Equifax/XXXX/XXXX for the last four months trying to remove a bankruptcy that has been listed on my credit file that is incorrect due to me not filing any bankruptcy since XX/XX/XXXX.they continue to tell me that they verified this information however it is incorrect. they will not listen to any calls or documents sent certified. I finally had to take off wok to go to the Bankruptcy court to have them to review this info and do a investigation to see that I had not filed any bankruptcy. also listed on my credit report ( Equifax ) are XXXX tax liens that have been removed from the courts and does not contain the information that is required to keep listing this information on my credit ( Due to the new law effect XX/XX/XXXX ). it has been removed from the other XXXX credit files however Equifax will not remove this information after I have sent them proof that the XXXX claims does not carrier all the information such as ss #, correct address and dob. I have had these XXXX item withdrawn with the state of Georgia due to have them paid and following the guidelines to have them removed from my credit,
Product: Credit reporting

The bill was paid to receive new services through same XXXX utility systems so why they have not reported that it is resolved I do n't know! I currently have service with them now!
Product: Debt collection

I received a letter from Professional Claims Bureau LLC stating that I owe {$75.00} in copay for a medical appointment on XX/XX/2021. I have a receipt from that appointment with a signature from the office front desk staff that the copay of {$75.00} was paid in cash. Please see attached document for both the letter and the receipt. 
Therefore, this is not a debt I owe and this companys contacting me to collect a bill I have already paid for is in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this please as my formal complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX. 

I am writing to formally request the removal of a duplicate credit inquiry from my credit history. Upon reviewing my credit report, I noticed that a credit inquiry was made twice in error by company Synchrony Financial. This duplication is negatively impacting my credit score. 

I believe this was a mistake, and I kindly ask that you investigate this matter and have the second, duplicate inquiry removed from my credit history. This action would help ensure that my credit report reflects accurate and fair information. 

Below are the details of the inquiries : Bank Synchrony Financial Hard Inquiry XXXX : XX/XX/year> Hard Inquiry XXXX : XX/XX/year> Hard Inquiry XXXX XX/XX/year>XXXX XXXX XXXX XXXX Hard Inquiry XXXX XX/XX/year> Hard Inquiry XXXX XX/XX/year> Hard Inquiry XXXX XX/XX/year> My full name : XXXX XXXX My date XXXX XXXX : XXXX The last four digits of my XXXX XXXX I appreciate your prompt attention to this matter and look forward to hearing from you soon. Please let me know if you require any further information or documentation to resolve this issue. 

Thank you for your time and assistance. 

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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Credit report was exposed to a data breach. My identity has been used to open false accounts and put late payment history on my reports.
Product: Credit card

In XX/XX/XXXX I had a Sam 's credit card that I have never been late on since XX/XX/XXXX. I make very big payments on my card. In XX/XX/XXXX I logged into my account and it said to call in. I could not access the account. I was told that my account along with XXXX other accounts I have with Synchony have been suspended until I get a letter in the mail explaining why and to call in when I get the letter. I never got the letter and also could not make payments and was told the only way I could make a payment was to cancel the card. I tried to redeem my {$210.00} worth of rewards but they only mail a check every XX/XX/XXXX. This is the craziest thing I ever heard. I did google and they have been doing this to XXXX people. Was never told why account were suspended. I cancelled the card in order to make my payment because I do not make later payments. I want my {$210.00} I am owed.
Product: Debt collection

A previous debt for {$530.00} from XXXX XXXX  ( Financial ) that was removed from my credit after 8 years, was put back on my credit by Jefferson Capital System as a new account. The original debt was opened in XXXX and removed from my credit around XXXX. Jefferson Capital System put it back on my credit with different opening dates that listed from XX/XX/XXXX to XX/XX/XXXX. I've disputed it multiple times to have it removed, but each time I am told it is accurate. To my understanding, once a debt is removed ( original debt from XXXX ) can not be bought and reaged onto someone's credit again as if it is a new open account. In the last dispute I made, Jefferson Capital System updated the multiple dates they added with XXXX of XXXX, which is still not accurate because the debt is over 9 years old. I had not heard from XXXX XXXX regarding this debt, as it was over 8 years old and had been removed from my credituntil Jefferson Capital System put it back on my credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint against Experian for failing to conduct a proper investigation of my disputes regarding inaccuracies in my credit report. Despite submitting multiple disputes over the past [ specify timeframe ], I have consistently received responses within 24 hours stating that the account in question is accurate, without providing any evidence that a thorough investigation has been conducted.

This practice is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires that credit reporting agencies conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. Experian 's actions, which involve closing disputes without any substantive review or supporting documentation, fall short of meeting the statutory requirements for a proper investigation. 

Furthermore, I believe that Experian 's actions may also violate the Consumer Financial Protection Act ( CFPA ), specifically 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which the Consumer Financial Protection Bureau ( CFPB ) has reinforced in its recent proceedings regarding inaccurate credit reporting practices. The failure to conduct a reasonable investigation into my disputes, coupled with the lack of transparent evidence of any real investigation, undermines my rights under both the FCRA and CFPA.

I request that Experian provide me with a detailed explanation of the investigation process, including : The methodology used to verify the accuracy of the disputed information.

The specific evidence considered during the investigation.

The reason why my disputes were closed without any meaningful review.

If this issue is not resolved promptly and satisfactorily, I will consider further action, including submitting formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing any additional remedies available under the law.

I expect a response from you within [ reasonable timeframe, e.g., 30 days ], including a clear explanation of how you will resolve this matter in accordance with the FCRA and CFPA. I want reported account to be removed. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I recently switched my AAdvantage  account to a Double Cash account because I found the AAdvantage account was misleading and I did not use any benefit or promotion for that AAdvantage account. Citi has completed this transfer, but I was informed that I do not qualify for the Double Cash {$300.00} reward after spending {$1500.00} within 6 months because my account was transferred rather than newly opened. Additionally, I was told that if I close this transferred account and open a new Double Cash account, I still would not qualify for the new account promotion. I have not utilized any AAdvantage promotions or benefits. I am struggling to understand why I am ineligible for the Double Cash promotion.
Product: Credit card

Hi, i use a charge card that payment is due in full end the end of the month, i have set a autopay for the full amount due to be charged at the due date, however in middle the billing cycle i was notified that a payment needs to be made to continue using the card. I had made XXXX payments of XXXX each, So my total payment due of XXXX was now reduced to XXXX, however the banks system is set that even if you made payments it is still charging the full amount due, so at the due date they took a payment of XXXX. So the total they charged me was XXXX. I called in that night to see what can be done here, Customer service had advised me to call my bank to reject the XXXX payment, and redo a manual payment of XXXX. I did that, however as soon as it came back the payment, the bank lowered my credit line, tried calling the bank right away, and they told me it's just temporary until the new payment clears the bank, after a few days i called again, spoke to a supervisor and was unwilling to help me or even listen what i had to say.
Product: Credit reporting or other personal consumer reports

I disputed this information appearing on my credit report : Reference number : XXXX, Experian responded that it had been verified by the court. However, after contacting the court directly, I was informed that they do not have jurisdiction over credit reporting agencies and do not provide such verifications. This suggests that XXXX claim is either incorrect or false. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes thoroughly and ensure that the information reported is accurate and verifiable. Since this information has not been properly verified, I request that it be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my TransUnion credit report, on this report show a company XXXX, that show a last payment made on XXXX-2009 to this company, this is past the 7 years statue of limitations, which is the last time I had XXXX was in 2009. I have ask Transunion to remove the the item from my report due to it over 7 years past. I have sent letters and the credit bureau keep sending back has verified, will not tell me method of verification, and I know that the statue of limitations is 7 years from the last payment date, this should be removed. This is my complaint for Transunion credit bureau.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Inaccurate Account FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) I am writing to formally request the deletion of an account from my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has already been deleted by XXXX as inaccurate, and under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), this deletion should be reflected across all credit bureaus.

Legal Basis for My Request According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), if an account is found to be inaccurate and deleted by one credit bureau, the furnisher of the information is required to notify the other credit bureaus to which they reported the incorrect data. Since this account was deemed inaccurate and removed from my credit file by XXXX the same deletion should be applied to your records. 
Supporting Documents Enclosed To support my request, I have included : A copy of the deletion confirmation letter from XXXX A copy of my credit report highlighting the inaccurate account Requested Action I request that you : 1. Delete this account from my credit report immediately, in accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( D ).

2. Send me a written confirmation once the deletion is processed.

3. Provide me with an updated copy of my credit report reflecting this correction.

Deadline for Response Under the FCRA, you are required to investigate and respond within 30 days. Failure to remove this account may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for noncompliance.

Please confirm the deletion in writing and send me an updated copy of my credit report. If you require any further details, you may contact me at the information provided above. 
Sincerely,
Product: Mortgage

W Alliance Bank escrowed my property tax payments and was responsible for paying the property taxes on my property at XXXX XXXX XXXX, XXXX HI XXXX. 

On XX/XX/2023, I received two delinquent property tax bills from the County of XXXX, with penalties and interest assessed. I immediately paid the bills, plus penalty and interest totaling {$300.00}, to the County of XXXX via check. The same day I called and messaged W Alliance, requesting reimbursement for the fees assessed due to their failure to pay the property tax. I scanned and submitted the real property tax bills and payment receipts to them online as requested.

It has been over four months, and despite multiple calls to W Alliance, they have not reimbursed me.
Product: Money transfer, virtual currency, or money service

Im sure you receive complaints all the time an dive even issued a couple regarding PayPal.. I wonder when you XXXX XXXX  will ever actually treat us as your boss and do something. Paypal blatant violates the electronic funds transfer act on a daily basis and gets away with it. They are not a banking institution, therefore they do not have a f-ing right to act as an authority regarding business transactions or a mediator who decides if a business is in good practice. They do. Not have a right to hold onto money for any amount of time let alone 2 weeks. It only takes them two seconds to collect it. They cant do this, you know it but you XXXX do nothing. Maybe a lawsuit against oyu for basically defrauding the tax payer which is what your doing by taking our money while misrepresenting yourselves as actually providing a service. Paypal have no XXXX right to hold my money until they determine I deserve it. They are not a back or an authority and if I have to sue you to do your job I will do that. Do your XXXX job and actually earn your pay oyu XXXX XXXX
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  XXXX  before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we are obligated to remove any incorrect accounts from my credit report. Can you review the documents? There are inaccuracies in the reported accounts, including amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pd officer ftc violation I want removed The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported inaccurate payment history that has resulted in my credit score dropping XXXX points unfairly. I am a single mom of XXXX with no support from the other parent and this is causing me to have difficulty with preapproval for a mortgage
Product: Checking or savings account

I had got my federal tax refund and i had gotten text and calls from credit karma fraud department stating someone was trying to change the number on my account and then i had messaged their online representative and told them someone was trying to access my account and they proceeded to allow someone to access my account from an unknown device and browser which i had gotten emails the minute they accessed it and the person was able to instant transfer themself XXXX dollars and i disputed the charges and Credit Karma took 3 days then decided to say i authorized the charges which i did NOT and wont make things right. If they actually did an investigation they'd know whose card number was still on my account ( not mine or associated with it ) and that i never use XXXX or XXXX which was the browser and phone used to access my account. I filed a complaint with the FTC and Attorney General as well over this case. Its upsetting they took no precautions to secure my account nor did they make things right. they also waited until they denied my dispute to even freeze my whole account which did no good after the fact. its by far the worse company out there and should be out of business the way they treat their customers. also talking to representatives can never give straight answers on anything nor do half of them even know what your talking about when you communicate.
Product: Mortgage

I am trying to see if i was XXXX effected by Wells Fargo. I see agreement was reach with CFBP. That said customes may be in line for relief money after the government found that Wells Fargo violated a host of federal consumer laws between XXXX and XXXX. 

Which was the time I had mortgage with Wells Fargo at the address at XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX. Under phone number XXXX XXXX. During that time frame. 

Consumer Financial Protection Bureau have announced how account holders can collect from Well Fargo. Which I saw all over the media. 

I wanted to know if I was XXXX of their victim to the abusive or negligent practices described by the CFPB. 

I reach out to Wells Fargo about this, At first I was told they couldn't even find that I had a mortgage with them. Which I had for years. I gave them the property address and they told me, They never saw that there was a mortgage on that property. Even under this account you can see how many complaints I file will CFPB against wells fargo throughout the years. Then I was told if I didn't have my account number they could not help me. Of course i'm not gon na have my account number after all this time. 

I was told to call XXXX phone number from another phone number. I was given multiple phone number to call and no one could help. I was even told by a lot of the representatives. They did not even know anything about this Agreement that was reach and the settlement. They act like they didn't even know what I was talking about. 

Then I was told to look for website online, only they was unsure what that really could be. Then I am told wait to see if I get a letter about this. I already had moved from that location a few years ago. 

It appeared that they keep giving me the run around and nobody looks into it.. I can not even get a straight answer from them. This is why i'm reaching out to consumer financial protection bureau, To see if I am owe any money from Wells Fargo. This is why I file the complaints since, I can't get a straight answer from Wells Fargo.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other that records of convictions of crimes which antedates the report by more then seven years.

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