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

XXXX XXXX Balance : {$590.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

AAMS ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$8400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$140.00} - This account Belongs to someone else. This is not my account. Provide me specific datas to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$650.00} - he creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX Balance : {$790.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance : {$900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax due to my repeated inability to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to obtain my credit report, yet Equifax has failed to provide me with access despite my numerous attempts. 

I have submitted my identification documentation multiple times as requested, but I have received no response or resolution from Equifax. Their lack of communication and failure to comply with consumer rights have caused significant frustration and prevented me from reviewing my credit information for accuracy and protection.
Product: Credit card or prepaid card

I am a preferred gold member with bofa. This means I should get a 25 % boost on rewards. 
However my card ending in XXXX ( XXXX XXXX  customized cash rewards ) isnt giving the boost on my purchases Ive tried resolving this with bofa customer service but no one helps or adjusts the points
Product: Money transfer, virtual currency, or money service

My XXXX son was robbed on mid XXXX therefore his cell phone was stolen. The same evening my XXXX son Cashapped my XXXX son {$400.00}. My XXXX son contacted cash app to let them know via email and was told once he get a new cell phone he would be able to retrieve the cash. Upon receiving his new phone he attempted to get the cash the account was closed. We contacted cash app via email sent them all informations that was request numerous times. The last email stated the only resolution was to refund the {$400.00} to my XXXX son, which we stayed please do so. As of this date XX/XX/2019 my son has not received his {$400.00}. We were actually contacted again today XX/XX/2019 asking for the same information that was given on five different times. A copy of the emails will be attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX  XXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

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

Defendant Flagship Credit Acceptance LLC, ( Flagship ) is a corporation with principal offices at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX. Flagship is a creditor who, in the process of collecting the reported debt, the altering of its name and account numbers which indicates a third person is collecting or attempting to collect such debts and is therefore a debt collector as defined by 15 U.S.C. 1692a ( 6 ). 

XXXX : I did receive an installment loan from Flagship with payment terms of 1 month. 

XXXX : I did not receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term. 

I did receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term. 

Flagship violated the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ) by continuing the Flagship Vehicle Debt Account representation within my credit file with the Credit Bureau XXXX and by failing to permanently and lawfully correct its own internal records to prevent the re-reporting of the Flagship Vehicle Debt Account representations to the consumer reporting agencies. As a result of this conduct, action, and inaction of Flagship, I suffered damage by loss of credit ; loss of the ability to purchase and benefit from credit ; and the mental and emotional pain, anguish, humiliation, and embarrassment from losing my job due to the inaccuracies. I have disputed Flagship multiple time and successfully removed the incorrect/unverifiable information from 2 out of the 3 consumer reporting agencies. As a result, Flagship altered its number and account number to make it look at though I have 2 charged off accounts. The furnisher has not been able to provide 100 % accurate documentation and used deception to try to collect on this debt. I am requesting these aforementioned accounts be deleted from my credit profile.
Product: Debt collection

My wife of less than a year received a phone call at work, at a hospital from someone looking for me about a debt. First, the account had been paid off and second, prior to being married this was paid off. This company disclosed everything from the hypothetical amount owed, to telling her that I would be going to jail. Whoever this is has made no attempt to contact me or mail me anything. To contact my wife, at her place of employment? I have left a message with my attorney and in the process of filing a lawsuit
Product: Debt collection

This is from a debt from XXXX which has been reported on my credit score by several other companies and the original it has been repeatedly questioned and I have not received any further information or explanation as to why it is being used against my credit score more than once by multiple companies and why the dates just keep getting updated as apposed to the debts effect becomeing less significant to my credit score
Product: Credit card

A co-worker wanted me to co sign for a loan so we went in to Wells Fargo where we both bank, my co-worker had already spoke with a personal banker which explained to him the whole process. That day she asked us for all the requirements, I told the banker I was in a hurry and my time was limited. So I told her let me now when I can leave, I 'll sign what I need to and my co-worker can finish the process. While we waited for the loan approval she asked if I was interested in a credit card she did n't explain much all she said is that it was 15 months 0 interest, so I told her again that I had an appointment that maybe another day she can give me all the details about the credit card. after that we did n't discuss anything about the credit card. Once approved for the loan she handed each of us a copy of what we had signed for the personal loan, I went on my way and my co-worker stayed to receive the loan. About a week after I received in the mail XXXX credit cards XXXX for my co-worker and XXXX for me, I was shocked to when I opened the envelope. I looked for the copies that the banker had gave me but nothing showed that I had signed for a credit card. I waited about XXXX weeks, never activated the credit cards went in to the same bank to explain what had happened. Once the banker went over the credit card details I told her I would keep it only if I could remove my co-worker from the credit card and still keep the 15 moths 0 interest. She made some calls to see what she could do, she said that in order for me to keep the credit card I had to close the account and re-apply on my own. Even though I had not even applied for it to begin with. that would require running my credit again. She promised to give me 15 months 0 interest she even put notes on her computer stating that she had called credit services and they would honor my request. 
well that was not true, when I activated my new card I called to verify the interest. They ran my credit for nothing, it was just a waste of my time, I went in to the bank a few times to solve that. A banker told me I would get a response within 10 days its been about 20 days I 've never received a call regarding that incident. I want my credit restored and the can keep their credit card.
Product: Debt collection

15 usc 1681a2 I didnt give written permission to have those accounts furnished on my credit report
Product: Checking or savings account

I already had a request number XXXX requesting that they return the money I had in the account at the time the bank decided to close my account. To date I have only received XXXX check for {$20.00} when the final balance at closing was {$660.00}
Product: Credit reporting or other personal consumer reports

I accepted Renewal by XXXXXXXX XXXX offer to provide one year of no payments, no interest financing on a replacement window project. My intent is to pay the project off before I incur any interest charges.

Imagine my surprise to find this in my mail this morning : XXXX, Congratulations, youve been pre-qualified for credit for your project with Renewal by XXXX - XXXX. * Below is a link to your account on the XXXX where you can : Upload required documents securely Track the progress of your financing application Download an executed version of your Loan Agreement which includes a notice regarding our credit decision Submit bank account information to setup automatic payments Register Your email : XXXX Should you have any questions about your financing application, please call Dividend at ( XXXX ) XXXX. 
If you have questions regarding the installation process, please contact your contractor. 

We look forward to working with you! 

Sincerely, The Dividend Team * As with any financing, final approval is contingent upon our review of your completed application and satisfaction of all underwriting requirements. 




By clicking the link and accessing Dividends website, you are agreeing to the website Terms of Use and Privacy Policy. If you have any questions or concerns, or if this message was sent in error, please Contact Us. 

Questions? Contact us at XXXX XXXX XXXX All lending is originated by Fifth Third Bank , National Association. Member FDIC. XXXX XXXX XXXX XXXX XXXX. For solar and certain home improvement loans, Fifth Third Bank does business under the trade name Dividend. 

This is a transactional/servicing communication and is intended to share information concerning a recent transaction or updates/changes to your account. You may receive transactional/servicing emails even if you have unsubscribed to promotional or marketing emails from Fifth Third Bank . 

Dividend, XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is not the firm that XXXX uses, nor is it the firm I applied to. 

I called XXXX and confirmed that they are NOT affiliated with Fifth Third or Dividend. 

I suspect that Dividend is scouring credit bureau inquiries and using them to solicit business. Might not be illegal, but it is, at best, shady business practice. 

Please whack them one on my behalf. 

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

To who it may concern, I am writing to dispute incorrect late payment information from XXXX XXXX XXXX  that is showing on my credit report. Specifically, my account status is listed as current, yet the payment history shows a payment that is 30-59 days late. This contradicts the account status and is negatively impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when consumers dispute information on their reports. I am requesting that you immediately investigate this inaccurate late payment posting and delete it from my credit report. 

This erroneous information is damaging my ability to obtain credit and financing. Despite my account with XXXX XXXX XXXX  being current, the incorrect late payment history you are reporting has lowered my credit score significantly. I have suffered financial distress due to decreased credit opportunities as a result of this inaccurate information. 

To summarize, I am disputing the 30-59 day late payment you have on file from XXXX XXXX XXXX  and demanding that you remove this incorrect payment status immediately. Please conduct your investigation and rectify this issue as soon as possible in accordance with FCRA guidelines so that my credit report properly reflects the true status of my account. 

Please let me know when you have completed investigating and resolved this inaccurate information on my credit file. I appreciate your time and cooperation in ensuring the responsible reporting of my credit history. Yo Enclosures : [ ITEM SHOWING CURRENT PAYMENT STATUS YET COMMENT 30-59 DAYS LATE ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CREDIT TECHNOLOGY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Credit card

In XX/XX/year>, I discovered unauthorized transactions on my Navy Federal credit card related to XXXX ads. I promptly reported these charges as fraudulent to Navy Federal. Initially, they partially credited my account, acknowledging the fraud, but did not refund the full disputed amount of approximately {$4000.00}. 

As a XXXX XXXX  living with XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX I am particularly vulnerable to financial stress and unexpected situations like this. This ongoing issue with Navy Federal has significantly impacted my mental and emotional well-being. Over the next few months, I diligently followed up and provided every piece of documentation they requested. Despite my efforts, Navy Federal repeatedly delayed the resolution, citing missing or inadequate documentation. 

Most recently, I provided invoices and other evidence directly from XXXX ad platform, including documentation showing that my ad account was disabled due to suspicious activity. However, upon receiving these documents, Navy Federal abruptly claimed that my case was now outside the dispute timeframe, despite previously indicating they needed more information to proceed. 

I believe this pattern of inconsistent communication and prolonged delays is an unfair practice, especially as Navy Federal initially recognized the fraud by issuing a partial refund. This situation has caused undue stress and financial strain on someone in my position. I am requesting the CFPBs assistance in urging Navy Federal to thoroughly investigate and resolve this matter fairly. Their initial acknowledgment of fraud should have led to a full refund, rather than partial reimbursement and ongoing delays.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and needs to be deleted immediately : XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I already disputed this account ( XXXX XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under XXXX, Experian & XXXX  from my credit reports. However, on my updated credit reports XX/XX/2021, a newly added account appeared under a different name which is XXXX/XXXX  which is basically the same as XXXX because XXXX stands for XXXX XXXX XXXX  and with the same account number XXXX is reporting negative under XXXX  & Experian. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the companies listed below have violated my rights per : 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 XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXXXXXX XXXX  - XXXX XXXX XXXX, account ending # XXXXXXXX XXXX XXXXXXXX, account ending # XXXXXXXX XXXX XXXXXXXX, account ending # XXXX XXXX XXXXXXXX XXXX, account ending # XXXX XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute against Transunion for a number of different accounts that were listed on my credit report. I shipped the dispute via certified mail through usps, with an arrival date of XX/XX/year>. Transunion failed to initiate a thorough investigation into my dispute claims. It would seem that my account was verified as accurate, even though there is still incorrect information regarding this account on my credit report. Not only is this account listed as two separate account with the 3 credit bureaus, Transunion claims that the account is open. Yet, XXXX says that the account is closed, as well as XXXX. This is willful noncompliance from a consumer reporting agency. I will be providing the email that was sent to me via email from XXXX, regarding the responsibility of a credit reporting agency when a dispute is filed. I also will be providing the original credit report I pulled my information from, as well as the investigation results from Transunion that verified my account as accurate. I also will provide the new credit reports I pulled from the 3 bureaus on XX/XX/year> and XX/XX/year>. These credit reports still reflect the same incorrect information being reported after my dispute was concluded. These documents prove my claims that they neglected to mount a full investigation and uphold my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice and highlighted that TransUnion XXXX XXXX is indeed inaccurately reporting this account. I demand verifiable, irrefutable and undeniable proof that shows evidence of said reporting. 

15 U.S. Code 1681e - Compliance Procedures. LII / Legal Information Institute, XXXX. 

If this can not be furnished, by law this needs to be updated to never late and reporting in good standing immediately for XXXX XXXX TransUnion. 

XXXX Account # XXXX Experian Date showing - XX/XX/year> - Inaccurate TransUnion showing - XX/XX/year> - Inaccurate XXXX - Reporting Accurate as " Never Late '' I will provide screenshot of report attached to this report. As you will see the two credit reporting agencies are not reporting accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX