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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cell # XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX I am writing to dispute the following information in my credit report. I have reviewed my credit report and found that it contains inaccurate information regarding a collection/charge-off account. I am requesting that this information be removed under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681s-2, and 15 U.S. Code 1681i ( a ) ( 5 ). Account Information : 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  Reason for Dispute : The information reported is inaccurate and does not comply with the requirements set forth in the FCRA. According to 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. Additionally, 15 U.S. Code 1681s-2 ( a ) outlines the responsibilities of furnishers of information to provide accurate information. Furthermore, 15 U.S. Code 1681i ( a ) ( 5 ) requires the deletion or modification of information that can not be verified. I have enclosed copies of the following documents to support my dispute : copy of your credit report page with the disputed item. 
Please conduct a thorough investigation of this matter and remove the inaccurate information from my credit report. I request that you provide me with a written statement confirming the deletion or correction of this information. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

i got a XXXX XXXX from XXXX site which is issued by Synchrony Bank. In XXXX I made a purchase ( car tires ) which I was tricked by the company representative before purchase and after purchase. Later on I learned tires were not what the company had advertised for sale. It, lacked safe quality for the use and as a Sr. Citizen I was tricked step XXXX  step until I finally confirmed with a XXXX ( federal government sfety ) that tires I had put on my car were not good products and were not what i was advertised or promised it was so I keep them. I was tricked. I gathered all info XXXX  my purchase including whole lot of complaints about other customer 's posting on how this company tricks people on XXXX to sell their items to XXXX and then to the credit card company. 

The tire company has been a long term merchant with XXXX and pays a lot of money for their transaction to XXXX so XXXX has no intention to take side with tones of customers whom have filed a complaint with theem about this tire company. Since XX/XX/2022 to date, twice the credit company found in my favor and said " case is now closed '' and my accout would be credited for {$230.00} or so. Each time within a few weeks, they came back and charged my account again saying the merchant disputed their decision. The second time, I even sent more stuff and after review the card comapny found in my favor and closed the case in my favor. Yet again they reopened it again. I contacted the card company. The agent told me, merchant does not want to give the money back! I told her, I believed that when a case is closed, decision is final and merchant had to obey credit company 's decision. She said : I do not know they dont want to give money back. Well, the card XXXX  has to do their part, and return my money. The merchant claimed that I needed not only returned the tires back to them ( after they had tricked me to keep tires on my car which cost {$75.00} to put them on and they were not XXXX XXXX XXXX XXXX tires, but they they had to be in the XXXX  condition as day of shipment ). I want the credit card company NOT to take side with this big merchant who gives $ $ $ $ $ $ $ $ $ $ money to XXXX and XXXX credit card XXXX  and honor that a merchant who cheats on merchant by selling less than satisfactory and poor quality merchendise should not beneffit from cheating consumers.
Product: Mortgage

To whom it may concern :   XX/XX/XXXX     I went to  Veterans First  to refinance my home. I dealt with  XXXX   XXXX . I was told by  XXXX  many times that when the loan closed he would take the escrow out of the loan (  XXXX  loan account number ) it was financed thru  XXXX . The payment with the escrow was {$730.00} and without escrow {$540.00}, I told  XXXX  that I could not afford the {$730.00} payment many many times and he said ( again ) not to worry he would take care of it. So the night of   XX/XX/XXXX   he called and said he could not remove the escrow, so I said you lied to me He said that he didnt know that they would not do it. Needless to say I was mad and in a financial bind. To make a long story short I am now I the process of re financing again. I think that you should know that this person is lying to the vets, and doesnt know his job. I will be in touch with the Attorney General and Better business bureau.   His information is :  XXXX   XXXX  Loan  Officer  NMLS #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX  XXXX  XXXX  Thank-you for your time,  XXXX   XXXX   XXXX  XXXX  XXXX
Product: Credit card

On XX/XX/scrub>XXXX, we applied for an American Express XXXX XXXX XXXX XXXX. This card would have given us the access we need to do more business with XXXX as a vendor. At the end of the application, we received a response that more time was needed to process the application. 

Shortly after that, we recieved an email stating that American Express needed more information to complete the review for the account. 

Upon clicking this link, we were asked to link our business checking account with the application. We attempted to link the account multiple times, but the system continued to throw errors. Finally, we were able to link an account ( personal and not business ), but upon hitting submit the only account it accepted was a savings account. 

This resulted in a denial due to " not enough income transactions in the account, no recent activity, and daily balance too low '' We notified American Express right after the denial that this had occurred and asked for them to allow us to use the alternative method of sending bank statements. We were told the account would be sent for " redecisioning '' but they didn't take any information from us. We notified American Express of the failure of their software and they did not respond. 

As such, American Express is inflating its denials and not providing fair credit decisions due to a failure in it's software application that hasn't been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been stolen from and fraudulently had my information, addresses and reports that I have already disputed multiple times with proof and codes and USC codes CFR, UCC etc. 
to Experian how they are posting fraudulent late payments which is illegal and utilization which is illegal under FCRA And my 30 different inquiries that arent account holding inquiries need to be taken off my credit report, my multiple names besides XXXX XXXX XXXX need to be off my report. My multiple non mailable addresses need to be removed. The only address is - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX California ( XXXX ) which is where I reside. Every other address every name that isnt XXXX XXXX XXXX on Experian and XXXX and XXXX I demand to be taken off in 4 days and to stay off my report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX are putting false information on my credit report without my permission. They never verified anything with me, so now they are defaming my character. I sent all 3 a letter and they still have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle loan with XXXX XXXX XXXX was in default and the finance company took the steps to remedy this default by repossessing the vehicle. Once the vehicle was repossessed, I was sent a figure about what was owed to pay off the vehicle. 

Approximately a month later in XX/XX/2018 I received a check for approximately {$2100.00} dollars as surplus from the vehicle being sold and paid off and the amount of {$16000.00} was removed from my credit report for this debt.

During my attempts to cash said checks, it was advised through my financial institution that a stop payment had been issued onto the check. I called to confirm what had happened and was advised that there was an error in sending the check and in fact the vehicle had been sold but due to an internal error the check shouldn't have been sent out. 

My credit score monitoring apps showed that my car had been paid off and the balance was no longer reporting on that debt. Then this week, after no calls, letters, or any indication, my credit scored dropped 30+ points right when i was working on a pre-approval letter for the purchase of a home. 

So now, I have a score that is vastly reduced, a debt that was satisfied through the sale of the repossessed vehicle, and a current derogatory payment on my credit file for something I had no idea existed. I would like the entire item post XX/XX/2018 removed from my consumer credit report due to numerous errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, ( XXXX ) Original creditor:XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

In XXXX of this year, I called Carrington Mortgage Services, as I wanted to find out about loan payment assistance programs. I was told by the customer support person that I must stop making payments in order to qualify for such assistance. I trusted their advice, and did as they directed. 

After about three months ( earlier this month ) I contacted them again to find out how I could now qualify for the assistance they discussed previously with me. They informed me that I did not qualify. I then contacted my brother XXXX XXXX XXXX, who called Carrington on XX/XX/XXXX to find out how to pay off the missed payments and penalties. He was told that the payoff balance was {$4100.00}. He inquired about the timeframe within which this payment needed to be made in order to avert foreclosure proceedings. He was assured that foreclosure proceedings would not commence for approximately 90 days. 

With that assurance in hand from Carrington, we then began discussing how to go about paying off the back payments and penalties. Once we determined a plan, XXXX called Carrington again on XX/XX/XXXX - just eight days after he had been assured that there was plenty of time ( i.e. ~90 days ) in which to make restitution without further costs or fees. When he inquired about how to make a wire transfer to Carrington, he was stunned to learn that Carrington had commenced foreclosure proceedings just two days after his first call to them. It was then clear to both of us that Carrington representatives had lied to us, and that they were intent on taking my home away from me. XXXX was also told that there would now be expensive foreclosure costs to pay in addition to the {$4100.00}. However, when he pressed the representative for the extra amount he was told that a request letter would be sent to me in 7 to 10 business days, and that it would provide the requisite payoff details. 

I am XXXX ( on XXXX ), and am not a person of means. I realize that Carrington was intent on taking my home from me all along. 

I beg you to please help me with this very difficult situation. I simply can not afford any additional fees beyond the {$4100.00}, and even that amount will be very difficult for me financially. 

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

I previously made a request ( CFPB # XXXX ) in XX/XX/2024 for removal of a tradeline from my XXXX report XXXX Well, I recently found that the tradeline still remains on my Experian and XXXX. This credit line was opened fraudulently, and needs to be fully removed from ALL credit bureaus. The lines are showing a delinquency which affects my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violate the consumer financial law protection XXXX ( XXXX ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electric fund transfer act ( XXXX ) and XXXX XXXX These action caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The information you see below is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA 's. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX Bank credit card account is still being reported as XXXX  days late with TransUnion, and XXXX. The account was previously reported XXXX days late with XXXX as well. On or about, XX/XX/2022, a dispute was filed with XXXX regarding XXXX Bank ( Credit Card ) reporting XXXX the account days late. XXXX Bank XXXX Credit Card ) updated, and corrected the information with XXXX ( no longer being reorted XXXX days late with XXXX ) on XX/XX/XXXX of XXXX ; however, XXXX Bank XXXX Credit Card ), continues to report or relfect XXXX days late with Transunion, and XXXX, and should not be.
Product: Checking or savings account

I am writing you to lodge a formal complaint about 4 overdraft fees that were recently charged to my account. I am a dedicated online banker.  I love Bank of America’s to-the-minute online status updates.  It is just one of the many reasons I switched to BoA from XXXX.  Since joining BoA I have operated under the “as long as there is a positive amount in the account at the end of the day, you won’t get charged an overdraft fee” rule.  I was completely shocked to see four overdraft charges show up on a XX/XX/XXXX. What made the issue even worse is that on the next business day which was XX/XX/XXXX, I received a direct deposit.
Product: Credit reporting or other personal consumer reports

I'm not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX Bank, they did not provide me with wet signature contract as requested in accordance with FCRA Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights, 15 USC1681 section 602A. 15 USC 1681 section 604A section 2 15 USC 1681c ( a ) ( 5 ), 15USC1681s-2 ( A ) ( 1 ) I'm not liable for this debt with XXXX XXXX XXXXXXXX XXXX I do not have a contract with XXXXXXXX XXXX, they did not provide me with wet signature contract as requested in accordance with FCRA Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights, 15 USC1681 section 602A. 15 USC 1681 section 604A section 2 15 USC 1681c ( a ) ( 5 ), 15USC1681s-2 ( A ) ( 1 )
Product: Credit card

I talk to a customer service representative from XXXX on XX/XX/XXXX about the double charges I was told that I was issued a refund. Bank of America never refunded the charge for XXXX. 


XX/XX/XXXX at XXXX I made a purchase from XXXX XXXX was charged XXXX twice. This has been an ongoing issue with my account making duplicate transactions, Ive contacted them serval times and nothing has been done to stop this fraudulent activity. This is considered a violation against the fair credit billing act of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern target store credit card / TD BANK USA/TARGETCRED been on my report for some time now since I found out about the account I been trying to dispute this with them and all three credit bureaus and no help has been giving the information such as address and phone numbers and email has all been incorrect information that doesnt belong to me. The last rep I spoke to try to convince to me keep the account open even thought I didnt open it. And I had no knowledge of this account and I asked her to closed it she kept me on the phone for a very long time to convince me to stay with them. I want this account removed off my credit report I told them that a family member open this account behind my back and they are in jail now. This is frustrating that I have to go threw this this is fraudulent and wrong and I know my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had to go to a walk in clinic, XXXX XXXX XXXX XXXX, XXXX, in XXXX XXXX, TN on XX/XX/XXXX. At that time I was told by the clinic that all I had to pay at that time was {$25.00} and that they would send me an invoice for whatever the insurance didn't pay. 

Once we received the invoice, my wife called to set up payments of {$25.00} per month since our income is limited. My income has decreased by {$5000.00} over the past two years and my wife 's on XXXX. They would not work with her and demanded we pay in full. When my wife asked to speak to a supervisor she was put on hold for 20 minutes and then they hung up. She tried calling back but they wouldn't answer. 

My wife also tried calling their national office but they refused to work out a payment plan as well. 

They sent us to a collection agency and when I logged in and set up an account, I saw the amount is the same as on the printed statement. I tried to go ahead and pay on a credit card but it would not let me. The total we owe is {$110.00}. I went through the steps to pay this and when we got to the end it said I had typed in the wrong amount. They won't even let us pay in full and I fear that it will show up as old debt on our credit history. 

It has taken a long time for my wife and I to recover from a bankruptcy in XX/XX/XXXX and I don't want this hurting our credit when they refuse to take payment, even in full.