23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Barclay Card US I opened a dispute regarding a purchase in XXXX and the process to file the dispute was very long and complicated. I was told to upload documents and explain what had happened. A month later and the credit card company closed the dispute without informing me and when I called them they said that I would have to write in a letter to re-open the case. They can not accept emails or calls to re-open the case. I was told that I needed to provide purchase receipts, statements and emails all of which I had already provided when I opened the dispute. 
I asked to speak to a manager and logged 2 complaints. The first complaint was not recorded and the second complaint I was promised a call back from a manager within 7 days. 10 days later and I still have not been contacted.
Product: Debt collection

I tried to have this account validate several time this years in XXXX transunion come back with its been validate, how you just taken the creditors side. Because the dates are inaccurate and they won't provide any information about the original creditors as requested. According The statute of limitations in Arkansas for filing a lawsuit to collect most debts arising from a written contract is 5 years. The statute setting the deadline is XXXX. The Arkansas law states the following : XXXX. They putting false date in order to get by credits bureau
Product: Student loan

At the end of  XXXX   2017 , I applied to have my cosigners released. I submitted a complete package on  XXXX   XXXX ,  2017 . I spoke to the customer service department on  XXXX   XXXX ,  2017  ( a  XXXX  with the id code of  XXXX  ). I was told by  XXXX  that the notes on my file indicated that on  XXXX   XXXX ,  2017  my complete cosigner release package was under review. I was told I would have an answer  in 10 business days. I have not received an answer. I tried calling Navient today, and I was placed on hold for 15 minutes without anyone providing an answer on the status of my cosigner release application.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE INACCURATE, INCOMPLETE, OR UNVERIFIABLE INFORMATION WITHIN 30DAYS. 

I am writing to request the method of verification for complaint id XXXX XXXX XX/XX/XXXX followed up with written disputes for complaint id XXXX on XX/XX/XXXX regarding the disputed items below. 

It has been more than 210 days and I have not received any proof that your company validated the debt. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information that is known to be false can not be reported to any credit bureau . 

I request that you immediately delete this information from my credit reports. Please send me a copy of my updated credit report as soon as the above has been completed.

1. VALIDATE ACCOUNT CHILD SUPPORT ACCT # XXXX PLEASE DELETE THIS ACCOUNT OR PROVIDE VALIDATION INFORMATION For each of the disputed items above, I am requesting that you provide the following information : 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness, accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Debt collection

Credit Collections company Caine and Weiner has put on my Credit Report a debt owed of {$170.00} for XXXX XXXX. I paid them {$170.00} utilizing my prepaid debit card on XX/XX/2019 and they still have not removed it from my credit report. I have called them twice about not removing it from my credit report and they give me a different excuse each time I called but do tell me I do not owe them anything anymore. It's been 6 weeks. I can not see what their issue is but it's holding me up from getting approval from applying for a VA mortgage.
Product: Debt collection

I received a phone call from a XXXX, Fl number this morning ; XXXX. The individual identified himself as " XXXX '' but I had trouble understanding what company he was calling for and what about. He said he was calling regarding a debt on my son, XXXX, from an urgent care visit back in XXXX ( believe he said XX/XX/2019 ). He said my street name and asked me, I guess for identification purposes, my street address. When he mentioned " the bill, '' I said that we'd already paid it. He said that is what he was calling about, that we could go ahead and take care of it over the phone today. Combined with me not understanding him ( phone connection did not sound clear ) and what he was saying or asking, I started to think this was a scam and told " XXXX '' that I would need to call back. He said " ok '' and they would be open until XXXX  tonight. I did a search online for the phone number and did not come up with anything other than one or 2 negative notes that it might be a scam. He also specifically mentioned that I have XXXX XXXX/XXXX  XXXX insurance.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Experian legal department ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Subject : Formal Dispute & Demand for Permanent Deletion of Inaccurate Accounts Dear [ Credit Bureau Name ], I am writing to formally dispute the inaccurate and unverifiable accounts appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Pursuant to XXXX U.S.C. XXXX and XXXX U.S.C. XXXX, I demand the immediate and permanent deletion of the following accounts from my credit file within five ( 5 ) days of receipt of this notice : [ List of disputed accounts, including creditor name, account number ( partial for security ), and any reference numbers ] Recent litigation, including lawsuits against XXXX and Experian, has highlighted systemic failures in proper credit reporting, reinforcing that consumers have the right to a fair and accurate credit file. Based on the FCRA, I am exercising my legal rights as follows : 1.Violation of XXXX U.S.C. XXXX ( b ) Failure to Maintain Maximum Possible Accuracy : Your bureau is required to ensure the maximum possible accuracy of my credit report. Since these accounts contain inaccurate or unverifiable information, continued reporting constitutes a willful violation of my rights. 
2.Violation of XXXX U.S.C. XXXX ( a ) Failure to Conduct a Proper Reinvestigation : Upon my request, you must conduct a reasonable reinvestigation of disputed information. If the information can not be verified within the legally required timeframe, you must delete it. I demand an expedited review within five ( 5 ) days, given the recent legal precedents regarding inaccurate reporting. 
3.Violation of XXXX U.S.C. XXXX ( b ) Duty of Data Furnishers to Correct or Delete Inaccurate Information : If the data furnishers fail to verify these accounts with documented proof, they must be deleted immediately. I request full disclosure of your communication with data furnishers as required under the FCRA. 

If these accounts are not removed within five ( 5 ) days, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I am prepared to pursue legal action for willful noncompliance, seeking statutory damages under XXXX U.S.C. XXXX. 

Please provide me with an updated credit report reflecting these deletions. I expect written confirmation of these removals and compliance with my request. 

Thank you for your prompt attention to this urgent matter. Failure to act within the specified time frame will result in legal consequences. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment of XXXX to close the loan. It has 149 days and counting And still I can not prove I own the home I live in.
Product: Credit reporting or other personal consumer reports

I want the XXXX  XXXX XXXX  hard Inquiry from XXXX. XXXX, XXXX and XXXX XXXX : XXXX XXXX, XXXX removed from all three credit bureaus. I already have a XXXX  XXXX XXXX  account. I never authorized these companies to put these unverified inquiries on my credit report at all.
Product: Mortgage

My mortgage was originally with XXXX. When they were sold it transferred to XXXX XXXX XXXX. In the XXXX of 2008 it was sold to XXXX. I would make my payments around the XXXX of each month as I got paid. The loan had a grace period until the XXXX of each month but every month @ XXXX I would start getting calls from XXXX debt collectors harassing me about the payment. Then I would be directed to the web site that each month charged me a {$12.00} " Convenience Fee '' they called it for using an automated system. Then I lost my job in XXXX XXXX '. At that point I needed to ask for a short sale. They held me out asking for above market amounts. The harassment was unbelievable by XXXX XXXX '. i was willing to do what I could to help sell the home and would vacate at any time. Eventually I had to file bankruptcy in XXXX XXXX '. After I filed bankruptcy then they wanted to help with a short sale. The home finally transferred XXXX XXXX '. XXXX made my life miserable. The treating phone calls at all hours of the day. Not wanting to help until I was forced into bankruptcy. As I get this financial nightmare turned around I will never be in a mortgage serviced by XXXX.
Product: Mortgage

On XX/XX/2021 I made a payment online to chase mortgage account on the amount of {$1300.00}, this payment never reflected on the mortgage account, but was taken out of my bank account. Ive spoken to many different people in chase and Ive opened 4 cases about this so it would be escalated and nothing has happened still. Recently every time I contact them they just put me on mute and hang up. Therefore its come to the point that I cant even speak to anyone. I live in the U.S and they tell me that someone in the XXXX is in charge of my account and they can never get a hold of them because of the time difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance by Equifax. They have failed to remove information that was affiliated with personal details that were successfully challenged in the past. 
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
The items listed below were affiliated with personal identification information which was challenged and removed. These items as listed in my Equifax file are : ITEMS Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Chapter XXXX Bankruptcy REFERENCE # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the 3 credit reporting agencies asking them to re-examine the disputed items on my credit report and to correct the items while the investigation was ongoing. They have yet to answer my request as of this date. 
XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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 or prepaid card

Consumer Financial Protection BureauXXXX & KlarnaLetter of ComplaintNever Received Numerous Refunds ( # 1 ) XX/XX/XXXX Dear CFPB, Hello! I hope you & your family are well. I need to file a complaint against XXXX. A while back, I purchased items from XXXX. Ive tried countless times to contact them. I never received any responses to my emails or physical letters I sent them through our US postal services. 

I have printed out the order numbers, item numbers, dates, prices, & descriptions of items. I havent been able to get anything resolved & settled. There were items that I never received, wrong items, & damaged items in some of my packages. I followed their return policy process & protocol, but never received my refunds. 

Also, Ive been hacked ( 3 ) times. I was forced to cancel & void out ( 3 ) separate debit cards. Ive let XXXX know Ive had to cancel & void out ( 3 ) separate debit cards. There is no way the refunds could be put back on those debit cards as the payment methods because they no longer exist. I just want to get my refunds I shouldve received at that time. 

My request is for them to send a check in my name with the amount of my refunds added together & sent to me through our US postal services. Id like each item listed with the refund amount next to it. I used to buy from them on a regular basis, but I havent purchased anything since this last time Ive tried to resolve & settle things with them. 

I look forward to hearing from you very soon. I appreciate your time & attention to this matter. 

Respectfully Yours Order Date : XX/XX/XXXX Order # ( XXXX ) Shipment ID : ( XXXX ) XXXX XXXX ( CEO ) XXXX XXXX ( CEO Chairwoman ) These are the dates of the physical letters I sent out to them ... just let me know if youd like me to forward them to you ... 

XXXX & KlarnaLetter of Complaints XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

Dispute of Overdraft Fees Charged illegally. 

Dear CFPB, I hope this message finds you well. I am writing to formally dispute a series of overdraft fees that have been charged to my account with Navy Federal Credit Union. 

To date, I have been charged overdraft fees on 53 separate occasions, with the most recent charge occurring on XX/XX/year>. I believe these charges are not only excessive but also unlawful, as they violate the terms of my account agreement as well as consumer protection regulations. 

I kindly request a thorough review of my account activity and the specific circumstances surrounding these overdraft fees. I believe that a mistake has been made, and I am seeking a prompt resolution, including a reversal of the fees that were charged in error. 

Please provide me with a detailed breakdown of the transactions leading to these charges, as well as any relevant documentation supporting the legality of these overdraft fees. I appreciate your immediate attention to this matter and look forward to your prompt response. 

Thank you for your cooperation. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$36.00} XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I have disputed several inaccuracies on my credit report to Transunion, XXXX, and XXXX about several derogatory items on my report as well as late payments that have been added to my report inaccurately. I have reached out to them to verify and remove these inaccuracies over 30 days ago. Based on the letters that I have sent them this was on XX/XX/2020. As I explain in my letter to them my previous letters haven't gotten a response either. Now they are not responding to the ones I have sent 35 days ago. The copy that I sent them were signed and attached was a copy of my driver 's license and copy of my social security card
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXX MISSING INFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623 VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.S 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 or other personal consumer reports

I recently checked my credit report I noticed that I have been a victim of identity theft numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAN YOU PLEASE REMOVE THESE FRAUDULENT INQUIRIES OFF MY CREDIT REPORT
Product: Credit reporting

I have disputed on more than one occasion and for the past several months an account I had with XXXX that is listed on my Equifax Credit Report. Equifax continually lists my account Status as Account Included In Bankruptcy ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Bankruptcy Chapter XXXX ; Bankruptcy. It should be noted that I settled the debt on this account directly with the creditor prior to filing bankruptcy and so I never had a reason to include it in my bankruptcy. Despite the fact that I have filed disputes and sent Equifax proof that my account was never included in bankruptcy, Equifax continually ignores my disputing this account and has exhibited this behavior and negligence to me over the past several months. They never provided me with any detailed explanations with regards to how they determined status on this account and they have refused to correct it despite what I tell them over the phone or through online disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized SYNCB Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX OF XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

This complaint involves XXXX XXXX and XXXX XXXX. I tried settling this debt many times and finally could not access my account at all. Wal-Mart no longers uses Synchrony Bank and they keep trying to collect from small consumers instead of suing Wal-Mart. I paid and paid on this debt and it never seemed to go away. I am being harassed by a 3rd party debt collection agency with repeated calls daily trying to collect on a debt I do not believe I owe. The bank is ruining my life and credit score and I am in the process of trying to sell a house. I have a bank account with XXXX XXXX with money in my account from Social Security that I can not even access because the bank repeatedly closes my account because I have suspicious foreign transactions occuring. This happens every month around the first week of the month. I have told XXXXXXXX XXXX that I made the transactions and yet this happens every month. To add to the problem I am XXXX Veteran married to a foreign national who has every right to stay in this country despite the fact she is not a citizen because she holds a green with a 7 or 10 year status.
Product: Debt collection

Transfinancial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Mortgage

Nationstar Mortgage LLC d/b/a Mr. Cooper suffered a data breach where customer information was accessed by attackers. Nationstar Mortgage LLC d/b/a Mr. Cooper has failed to disclose to me what information was accessed and when. I contacted them today requesting information and was given no answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the Experian credit report Dated   XXXX   XXXX   XXXX  , it lists a previous address as  XXXX   XXXX   XXXX   XXXX  in  XXXX  SC  XXXX .Geographic code  XXXX , Address identification ID #  XXXX . There was an application (  XXXX  ) put in for a  XXXX   XXXX  Credit Card at this location earlier this year that  XXXX   XXXX  contacted us on   XXXX   XXXX   XXXX  . We denied applying for this credit card. We had identity theft on our Colorado  XXXX   XXXX   XXXX  for  XXXX . We have never lived or visited South Carolina. This is identity fraud. This is also the origin of our Colorado  XXXX  tax fraud.