23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I created a dispute regarding a transaction from XXXX that took place on XX/XX/XXXX. I submitted a detailed letter of the events surrounding the event at the request of American Express. The response from American Express says I did not provide the requested document. In the letter I uploaded to American Express, I stated a representative from XXXX told me Id get a refund after order cancellation. I did not receive the refund, hence, the creation of the dispute. 
American Express investigated the wrong transaction. American Express investigated a transaction from XXXX that occurred on XX/XX/XXXX. The response from American Express says the order from XX/XX/XXXX was cancelled. However, the order is still active. American Express has given me false information. 
American Express did not attempt to reach out regarding the new investigation. Regrettably for American Express, the company is not dealing in good faith. If American Express can not deal in good faith, the government will force it to deal in good faith with all customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT FTC AND POLICE REPORT VIOLATION XXXX   XXXX COMMONWEALTH FINANCIAL WRONG SOCIAL REPORTED SENT PROOF TO XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting on XXXX  : Address is incorrect Never lived at this address. 
XXXX XXXX XXXX XXXX XXXX XXXX  CT XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/2019 I received a letter from Professional Recovery Consultants where states that I have a debt with XXXX County Emergency Medical Services, NC. for {$770.00} I called them and they do not have a valid information such as date of birth, department number and also my legal name.I called them again t and I was told to do a dispute by email ( XXXX ) now, XX/XX/2019 I received another letter with the invoice of provider stating that I owed this amount The description of the debt is based on an Emergency service with date XXXX. 
XXXX County Emergency Medical Services XXXX XXXX : XXXX XXXX, NC XXXX XXXX Emergency base rates : XXXX ALS Emergency milage : {$12.00} It seems that is a fake invoice As I stated, I have never been in North Carolina. 
Professional Recovery Consultants does not have a valid information.
Product: Checking or savings account

I have had a checking account with  XXXX  Bank since  XXXX , and refinanced my outstanding credit card debt into a personal loan with  XXXX  Bank in  XXXX . I have diligently made my monthly payment via automatic payments since disbursement, with no missed or late payments, and have paid extra when I 've had the ability to. My father very recently passed and a result my financial situation has drastically changed in order to assist my family with both the expenses of his services as well as the household expenses while we grieve. I have tried to adjust the automatic payment from my checking account to my loan account  ( $  XXXX  on the 6th of each month ) multiple times, and am consistently given the run around. My branch tells me I need to call corporate, and corporate tells me I need to go to the branch, and each of them tell me it would require me to fill out paperwork and submit a request to adjus t my due date. That being said, I have continued to make the payments on time without complaint. This month, however, having this pull would have caused an extreme financial hardship. I called the branch and explained I did not authorize the ACH to pull this month as it would leave my account overdrawn with no funds available for  XXXX  weeks, and I was told the request would be submitted and it would be all set. However, the ACH was still pulled and now my account is in the red. I called  XXXX  Bank 's customer service today and was told in no uncertain terms that there was absolutely no way for me to have them reverse the transaction despite me revoking my authorization. According to TD, I would need to request adjustment/cancellation paperwork  XXXX  business days in advance, complete it, and then mail it back for review. Even if I were to request it now, my  XXXX  payment would still most likely pull as they are making it impossible to make ANY adjustments. I desperately need the   XXXX   XXXX   ACH reversed as soon as possible and some sort of realistic method of adjusting my ACH when necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, i mailed transunion a letter asking them to verify some accounts on my credit report becasue I noticed errors on my credit report after ordering a copy. I waited but didn't receive a response so on XX/XX/2020, i sent them another letter letting them know they didn't respond. I still have not received a response from them and it has been 3 months since I sent the first letter with no response received yet.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX : {$2500.00}
Product: Mortgage

XX/XX/XXXX : My insurance Broker contacted me regarding no payment received by XXXX XXXX XXXX for Homeowners insurance from my escrow account managed by XXXX XXXX XXXX. Payment was due in XXXX. My policy was cancelled and then reinstated after a second payment was sent to XXXX which was successfully applied to the policy. My escrow account was deducted two identical payments of {$2200.00}. This resulted in a escrow shortage and an increase in my monthly payment for my mortgage. My insurance agent contacted XXXX XXXX XXXX who report they did not receive XXXX payments and to contact the mortgage loan servicer to request a refund. 

XX/XX/XXXX : XXXX sent escrow letter saying I was short {$2200.00} and my monthly mortgage payment would be going up to make up for escrow shortage. 

After attempting several phone calls I was unsuccessful in receiving a refund or copy of ACH payments to XXXX XXXX. 

XXXX XXXX : Phone call to XXXX requesting return of overpayment of escrow. Unable to and instructed to make a written letter Qualified written request. 

XX/XX/XXXX : A letter of a Qualified Written Request ( QWR ) was sent to Newrez LLC XXXX Shellpoint Mortgage Servicing, ( formerly XXXX XXXX XXXX  ), requesting a refund due to overpayment. 

XX/XX/XXXX : Correspondence letter denying my request and no resolution or refund. 
XX/XX/XXXX, Phone call to customer service who said they were not able to see my account records and to call the other customer service number to which was a dead end. 
Thu, XXXX XXXX - XXXX : email message regarding request was resolved in a phone call. ( untrue ) XXXX, XX/XX/XXXX - XXXX : Fax of XXXX sent to XXXX, with no response. 

Thu, XX/XX/XXXX - XXXX : Fax of XXXX sent to XXXX, with no response.
Product: Checking or savings account

I deposited a check into my account with Chase Bank. i was advised that the funds were being held for 10 days. I reached out to Chase Bank after making the deposit at a branch and was advised the funds would be available the next day. I checked my account and the funds are not there and that they are being held for 10 days. The check was a settlement check mailed from your establishment. I was also not provided the {$220.00} availability :
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for its failure to conduct a thorough investigation into inaccurate items on my credit report and its lack of response to my inquiries, despite repeated requests and provision of necessary documentation. 

On XX/XX/2024, I diligently submitted a dispute letter to Experian, requesting an investigation into inaccurate items on my credit report. Additionally, I requested specific details regarding the verification process for the information on my credit report, including the date of verification with the creditor and the furnisher, contact information of the creditor and the furnisher, the name of the person who verified the information, the method of communication used for verification, and whether the creditor and the furnisher provided my Date of Birth, SSN, and Address. Despite providing all necessary documentation, including a copy of my photo ID, social security card, and recent bill with my current address, Experian has failed to respond to my dispute and inquiry. 

The FCRA explicitly states that if the completeness or accuracy of any item of information in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experian 's failure to conduct a thorough investigation into the disputed items on my credit report and its lack of response to my inquiries are violations of my consumer rights. As a consumer, I have the right to know how information on my credit report is verified and to receive timely and accurate responses to my disputes and inquiries. 

I am including a copy of my dispute letter sent to Experian as proof of my efforts to resolve this matter.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent account and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. Failure to comply with this request promptly will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 
This account is fraudulent and must be expunged from my credit report without delay : XXXX - XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

There are discrepancies in my consumer report that require removal. These accounts are associated with a previous address where I no longer reside. XXXX has incorrectly connected this inaccurate information to my current address. This practice is not in accordance with the FCRA, as XXXX depends on creditors to provide updated addresses and subsequently links outdated account information whenever an address change occurs. 

I am writing to formally dispute certain information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, which requires that credit reporting agencies maintain accurate and complete records. After reviewing my credit report, I believe that the following information is inaccurate, incomplete, and/or outdated and should be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This old account is linked to an old address I use to live at. That address was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX This old account too is linked to my old address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX These two ( 2 ) old accounts are linked to another old address which was : XXXX XXXX XXXX. 
XXXX, FL XXXX How can XXXX associate these old accounts with a new address? I require clarification on this matter, as there is an inconsistency in the addresses related to these old accounts in accordance with the Fair Credit Reporting Act. 

I request that you investigate the accuracy of the above information and remove any erroneous, outdated, or unverifiable entries from my credit report. Please note that under the FCRA, you are required to complete your investigation within 30 days of receipt of this complaint and you must notify me of the results of the investigation. 

In addition, please provide me with a copy of my updated credit report once the disputed information has been corrected or removed. 

I appreciate your prompt attention to this matter and trust that you will act in accordance with the law to ensure the accuracy of my credit report. Please do not hesitate to contact me at the above address or by phone if you require any further documentation or information to facilitate your investigation. 

Thank you for your cooperation. 

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

Previous request to remove ( as of  XXXX   XXXX  ) negative  XXXX   XXXX  account ignored ; satisfactory account   XXXX   XXXX   deleted instead  ( n ot scheduled for deletion until  XXXX  ). Why?
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 XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received notice that an account was opened in my name with the credit card company however I did not open the account. As soon as I received the notice I called the company directly and reported the fraud. They said they would take care of the account. They closed the account but left a balance. They did not notify me of the balance, no statement was ever sent after the phone call and I did not anticipate having a balance after reporting the account was fraudulent. I found out yesterday through credit reporting that not only do I have a balance but it is delinquent and negatively impacting my XXXX XXXX. I called the company and they now want additional information to fix the situation. If they had needed this information initially I would have provided it prior to this point however I was told the situation had been addressed.
Product: Student loan

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, again 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX and 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Mortgage

Shellpoint Mortgage Servicing Company is inaccurately applying payments on my mortgage. They have also sent me conflicting payment notices as well as payoff notices. Their Bankruptcy department sent me a ledger which is in conflict with the payment history from the servicing side of the company. Over the last 2 years, they have taken payments and rejected others without explanation. They have even sent back payments to me that belong to other account holders. Based on the above, I can not determine what is due. I wrote them a letter on XX/XX/XXXX and XX/XX/XXXX outlining the errors and attached copies of my bank statement showing payments made. I also included a XX/XX/XXXX notice from the Bankruptcy Trustee that was filed with the court which indicates that there were no objections to the Trustee 's final report, essentially meaning that I paid everything to cure the default. In my letters to Shellpoint, I indicated that I wanted to have the information corrected so that I could apply for loan modification. They have failed to provide a detailed response addressing my concerns or make corrections. Instead, they have rejected my payments and on XX/XX/XXXX referred my loan to XXXX XXXX XXXX law firm to start the foreclosure process.
Product: Credit reporting or other personal consumer reports

I am not associated with the listed creditors, and I did not make these inquiries.
Product: Debt collection

I disputed with this creditor for multiple FCRA violations. The creditor has listed a balance of XXXX $ along with a collection thats already charged off. The creditor has reported late payments in addition to a closed collection account. I disputed this account on XX/XX/2023, XX/XX/2023 and XX/XX/2023. The creditor reported this account meets FCRA requirements but violated the FCRA multiple times
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality as a consumer under 15 USC 1681. 

XXXX XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Amount : {$1300.00} XXXX XXXX XXXX Closed Date : XX/XX/XXXX Amount : {$830.00} XXXX XXXX Closed Date : XX/XX/XXXX. Amount : {$750.00} XXXX XXXX XXXX  XXXX. Closed Date : XX/XX/XXXX. Amount : {$350.00} XXXX XXXX XXXX Date Assigned : XX/XX/XXXX. Amount : {$1000.00} XXXX XXXX XXXX XXXX Cent Date Assigned : {$2400.00}. Amount : {$2400.00} 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 section 602 a., states that I have a right to privacy!

15 U.S.C. 1681 section 604 A section 2., state a consumer porting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 6 ) states the name, address, and telephone number of any medical information furnisher that has notified the agency of its status 15 u.s.c. 1681s-2 ( a ) ( 1 ) ( a ) state a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

15 u.s.c. 1681s-2 ( a ) ( 1 ) ( b ) states a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I have repeatedly disputed the accuracy and or ownership of the above mentioned accounts directly with the companies and or persons and the consumer reporting agency without out avail. I file the complaint in earnest with the best intentions of resolve.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15U.S. Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/2018 I made a payment of {$490.00} to XXXX XXXX Bringing me current ) On XXXX/2018 I made a payment of {$50.00} to XXXX XXXX Keeping me current ) OXXXX XXXX/2018 I made a payment of {$53.00} to XXXX XXXX Keeping me current with decrease in balance owed ) However, my credit report as of XXXX/2018 has yet to be updated correctly. 
I called Transunion and filed a dispute sometime in the month of XXXX to dispute the issues with my credit still showing me being behind 140+ days  with an account that " needs attention '' and I received notification on Sun XXXX/2018 that my 3 accounts had been updated and current. One week later,  I received notification from XXXX XXXX stating that my credit for the three XXXX accounts went back up due to late payments and it was reverted back to the previous status. ( As if they didn't make it current a week later ) I called and both XXXX and Transunion continue to send ma back and forth telling me that the other company/agency is to blame but it's still not fixed. Not only that but XXXX has three separate account on my credit when in XXXX I'm only able to pay two separate accounts ; meaning it should be two accounts on my credit and not three.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is illegal to record transaction history according to 15 USC 6802-6805 16cfr 313, 15 usc 1681 fair credit act, privacy act of 1974, Fair debt collection practices act 16 cfr 433.1 definitions .2 .3 Charge off is considered a certificate of indebtedness which means it is income and must be removed from XXXX XXXX and Experian and all other credit reporting agencies