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

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX These are the accounts that I have sent out letters to to the bureau to correct the situation and I have gotten back updated letters when it is inaccurate information on my account as well as fraud. ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has seized all collections on account # XXXX and has agreed to remove the account from Experian immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX Account # XXXX {$2100.00} Please refer to attachment as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$7400.00} ), XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$2900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ), XXXX ( XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$750.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed these frivolous items that do not belong to me
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you check the documents, please? Some of the accounts listed have inaccuracies in their reporting, including incorrect amounts and dates.
Product: Credit card

I have a Bank Of America Credit card and they do not allow you to set a automatic payment of the minimum due. You must set a predetermined amount. I called them because I got a late fee and there reason is you need to look at your statement each month and pick an amount. 

So I did not look at my statements for two months and got charged a late fee. I called them and they refused to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I received a bunch of denials from Pre-Qualification Inquiries that I did not do. From XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. I received these notices beginning of XXXX.
Product: Credit card

Citi Credit Card disputes keep sending me documents when they have not read the letter and emails I have sent them about this dispute with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a copy United states Bankruptcy Court explaining they do not report to any of the credit bureaus. So how are you verifiying this information if the source is saying they don't report to any credit bureaus. You are reporting inaccurate information according to the Fair credit reporting act 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

If any information is indeed inaccurate According to 15usc 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I noticed a collection account that was showing up on my credit report last year and i disputed it with the bureaus and it didnt come of. This account is clearly identity theft. please help me remove it
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally file a complaint regarding the numerous unsuccessful attempts I have made to have fraudulent items removed from my credit report. The persistence of these inaccuracies is causing me significant distress and financial hardship. 

The fraudulent items in question have been negatively impacting my credit score and financial standing for an extended period. I first identified these discrepancies and have since been diligently attempting to have them corrected through your organization. Unfortunately, my efforts have been in vain. 

I initially submitted a dispute request to have these fraudulent items removed, providing all the required documentation and supporting evidence to demonstrate their inaccuracy. Despite following the proper procedures, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second dispute request, reiterating the evidence that the items are indeed fraudulent. To my frustration, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this issue, hoping that my concerns would finally be addressed appropriately. However, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not emphasize enough the severe consequences these fraudulent items have had on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that you take immediate and effective action to rectify this situation. I expect a comprehensive and impartial investigation into the legitimacy of these fraudulent items and, if found to be erroneous, their prompt removal from my credit report. Furthermore, I request written documentation confirming the removal of these fraudulent items and their effect on my credit score. 

I also urge your organization to enhance its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. Kindly assist me in removing these following fraudulent items : 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 card

While on an XXXX XXXX flight, I was told of a special deal available only to passengers who would open an XXXX XXXX Citiadvantage card using application obtained from the flight attendants. The special deal granted XXXX airline miles to new account holders. There were no minimum purchase requirements stated in the fine print or otherwise. When I subsequently inquired about my XXXX miles, I was told by the credit card customer service people that I did not make the required {$3000.00} worth of purchases in the first 3 months as required. When I told them that the airline personnel handing out the applications had specifically stated that there were no minimum purchase requirements, they said that others had also made the same complaint, but that there was nothing they could do, whereupon I closed the account. This was a clear misrepresentation of the card 's terms by both airline personnel and the card issuer. There was also no stated minimum purchase requirement in the materials that came with the card. Please alert others to this deceptive business practice.
Product: Credit card or prepaid card

A few weeks ago I had an notification email from XXXX saying there was a change to my credit file. I went on there site and found out there was a new account added that I did not apply for. It was from Truist Bank saying I had applied and been approved for a credit card with a {$9000.00} limit. At that time there was a XXXX balance on that account. I immediately disputed that account with them and contacted the bank. I filed a report with them and I asked if that card would be blocked to keep from getting any charges. I was told only that the report would be turned over to the correct department and I would be getting a letter from them also that my SSN had been jeopardized. I have never received anything from this bank. A few days later I was once again notified of a credit change. I went to XXXX website and right away noticed my credit score had dropped by XXXX points and there was an increase in my credit balance. I looked and the individual that got that card had charged over {$1900.00}. I contacted the XXXX and they contacted them and they sent me notification they contacted Truist Bank and that concluded there part. I was notified today that XXXX concluded the dispute and shows supposedly that the information from Truist Bank was correct. I also contacted XXXX today with identity theft concerns and was advised to file a report with the FTC.
Product: Credit reporting or other personal consumer reports

I am requesting the deletion of the debt reported by XXXX XXXX XXXX from my credit report due to a significant error. The amount reported was {$43000.00}, while the actual amount owed was only {$26000.00}. This incorrect reporting has been on my credit report for over a year, causing numerous denials and severe distress. The false reporting has greatly impacted my financial opportunities and creditworthiness. I respectfully request that this error be corrected by deleting the inaccurate entry from my credit report completely. 

Thank you for your prompt attention to this matter.
Product: Mortgage

US Bank has misapplied my XXXX XXXX ( XXXX/XXXX/XXXX application date ) and XXXX XXXX ( XXXX/XXXX/XXXX application date ) principle only payments in the amount of {$200.00} each ( {$400.00} total ). I have contacted US Bank Home Mortgage twice, in writing twice, to resolve the issue. The bank has not responded to any of my written requests or attempted to correct their error.
Product: Debt collection

On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting  that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Product: Money transfer, virtual currency, or money service

I have been going back and forth numerous times with OkCoin 's support team and they are refusing to relay what my concern is. ( 1 ) I want to close my account and they are claiming that I can not internally transfer my remaining balance as I am a US user. They said this is due to their merger with XXXX. They don't have this mentioned anywhere on their site, absolutely no further information, and something is wrong, and ( 2 ) as I want to close my account, they are not providing options to do so aside from depositing more money in order to meet their minimum withdrawal amounts. OkCoin, clarify the shady US transfer terms and lift the minimum so I can transfer and liquidate my account. Minimums do not make sense in this case and I'm not clear why you have minimums when I'm willing to pay gas fees.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX {$36000.00}
Product: Checking or savings account

On XX/XX/2022, I was informed by Truist Bank that my account had been locked. On XX/XX/2022, I went into a physical branch to try and resolve the issue ; they let someone from XXXX Truist know to unlock my account, however, it has been 3 days and I have received no communication. On XX/XX/2022, I attempt to retrieve my funds from my currently locked account, but there is nothing that can be done. Currently, I have funds in Truist, and there is no possible way for me to access them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$490.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXX XXXX Account XXXX # XXXX
Product: Consumer Loan

I had a new car lease in XXXX with Mercedes Benz Financial Services ( MBFS ). When I picked up the car, I made a payment, for what I thought was for XXXX - XXXX XXXX. During that period I was encouraged to go " paperless '' and make my payment online. I opted to do this. I made my payment for XXXX XXXX - XXXX XXXX ( when I traded the car in ) on time via their online payment system. When we turned it in in XXXX XXXX, I was told that I owed XXXX more payment, and I made that payment. I was told at the dealership that we were paid in full. In XXXX XXXX, I received a call from the MBFS that I still owed one additional payment, and XXXX of accrued late charges. At that time, I asked for the details regarding what I owed, and I was told that they switched systems, and that they would get back to me with the details. In XXXX XXXX, MBFS called me and said the same thing. I asked them to check their notes, since I never received the information I requested. Then, on XXXX XXXX, XXXX, I had a conversation with XXXX at MBFS. She said that she was going to send out the details I requested. After talking with XXXX, I was satisfied that a deferred lease payment was due. At that time, I offered to pay it over the phone with a debit card. However, I told XXXX that the late charges were still in dispute, since I did not receive the details I requested. XXXX did not want to take the payment at that time, she was going to get the details and call me back. I never heard back from XXXX. My wife and I started to receive calls from a collection agency XXXX regarding this debt. MBFS is willing to reduce the amount of late charges only if we accept a settlement, which will be reported. Since I did not receive notification of this late, which was accrued for 26 months out of the 36 months of on-time payments, I do not feel that I should be obligated to pay it. I have paid the late charges in full in order to stop the collection and negative effects to my credit, even though I do not believe I owed them. I would like to get refund.
Product: Money transfers

This is pretty simple. Our daughter shared an E-Z Pass account with us, and paid us monthly for her usage. Easiest way to do this was for her to transfer the amount from her credit union account to our bank account, and we both set up our accounts to allow such transfers. ( As an aside, we also pay bills by transferring funds to the power company, the landlord, the phone company, etc., through the same bank checking account. ) What happened was that our daughter transferred {$100.00} to pay for her usage, but mistakenly switched the account numbers, so that instead of our account being CREDITED with {$100.00}, it was DEBITED by that amount! We check our account online regularly, and caught it this morning, and she and our bank have been advised to fix this. HOWEVER, our bank ( BB & T ) insists this is business as usual - once you set up XXXX accounts for funds transfers from XXXX to another, you have given the bank tacit permission to send transfers either way, with no additional approval or permission from you. In other words, if my daughter were malicious ( which she is not ) or in extremis, she could clean our checking account out and we would not even be advised by the bank that it had been done. As it was, we had to make a quick transfer from savings to cover a bill which was going to be paid today. This strikes me as being VERY insecure, and an abrogation of the banks obligation to keep our money safe. They can set up bill payment systems which will either automatically take money from our account monthly to pay our bills, or, if we do n't want that, which allow us to order the funds transferred ourselves for each bill. So why ca n't they safeguard the sort of arrangement we had, where each month a one-way transfer from her account to ours was made? Our bank insists that is not how it is done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX