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

To whom it may concern, I am writing to formally dispute an inaccurate, and unverifiable account on my consumer credit report being challenged : National Credit Systems INC - Account Number : XXXX. 
On XX/XX/year>, XX/XX/year>, and XX/XX/year>, I mailed successive disputes regarding the accuracy of the aforementioned account, National Credit Systems INC - Account Number : XXXX. Pursuant to the Fair Credit Reporting Act and 15 U.S.C. 1681, the data furnisher, National Credit Systems INC, received these disputes, and failed to reply each time and send requested documentation. Both statutes mandate that the data furnisher investigate and respond within thirty ( 30 ) days of each notice. 
Unfortunately, despite the receipt of each dispute and the accompanying relevant documentation sent via the United States Postal Service, National Credit Systems INC has repeatedly failed to adhere to its legal obligations under FCRA and U.S.C. 15 1681 by neglecting to respond within the specified timeframes. This consistent failure to respond constitutes a serious violation of my rights as a consumer. National Credit Systems INC has consistently failed to respond to each dispute and neglected to provide the requested documentation. In documented violations of 12 CFR 1006.34, 12 CFR 1006.30, 12 CFR 1006.34 ( b ) ( 2 ), ( c ) ( 2 ) and the FCRA. This list is not exhaustive. Under the FCRA and 15 U.S.C. 1681, both of which govern consumer credit reporting, data furnishers like National Credit Systems INC are obligated to investigate and respond to disputes within thirty ( 30 ) days of receiving notice. Each of these disputes was documented with signatures upon delivery, including those of representatives XXXX XXXX and XXXX XXXX. Despite the acknowledged receipt of these disputes, National Credit Systems INC has failed to respond or take any corrective action. 
Attached are copies of all correspondence, including the dispute letters and proof of delivery via the United States Postal Service, reaffirming the failure of National Credit Systems INC to fulfill its legal obligations under the FCRA. 
I am demanding prompt deletion of this inaccurate and unverifiable account due to the repeated failure of National Credit Systems INC of failure to adhere to conduct an investigation and send documentation as required under the FCRA and proper CDIA protocols. National Credit Systems INC, has failed to conduct an investigation into the disputed account within thirty ( 30 ) days as evidenced. THE DISPUTED INFORMATION MUST BE DELETED.
Product: Money transfer, virtual currency, or money service

I purchased in a XXXX page called XXXX XXXXXXXX XXXX. They have a campaign there they supposedly sell XXXX XXXX together with the XXXX  company. After the purchase it redirected me to a website where I realized it had been a scam. I spent {$53.00}. The page is called XXXX. I had explained to Bank of America the hole situation but they ask me the number of an old debit card that its not active and that I threw away months ago. I do have the data of my actual debit card which I did make the purchase of the shoes
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Protection Under Section 605C of the FCRA Dear Equifax, I am writing to inform you that I am a victim of human trafficking and to request your assistance in protecting my credit information as per Section 605C of the Fair Credit Reporting Act ( FCRA ). Due to the nature of my situation, I am deeply concerned about my safety and privacy and am unable to approach law enforcement for help. Section 605C of the FCRA provides for certain protections for victims of trafficking, and I am requesting that you take the necessary steps to shield my personal information from being disclosed. It is crucial for my safety and well-being that my identity and location remain confidential. Please respect my wishes and ensure that my information is handled with the utmost care and discretion. I trust in your ability to protect my identity and prevent any further exposure that could compromise my safety. I have the right to keep my information confidential. I HAVE ATTATCHED A LETTER WITH ACCOUNTS THAT NEED TO BE REMOVED. Thank you for your understanding and prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting incorrect late payments on my credit report for the Account named XXXX XXXX XXXX.
Product: Vehicle loan or lease

I have an existing auto loan with Westlake financial. I traded the vehicle on or around the XXXX of XX/XX/2018 and westlake has been calling for the payment due on XX/XX/2018. I stated to them when they called on the XXXX that I traded the vehicle and they have been calling every day 3 to 4 times a day asking for the payment. I have spoken to numerous people at this bank and they are really rude about this saying they have not received the payoff check yet so I gave them the dealership info and they said they can not call them. So I told them I have no control over that payment but they told me my acct is still active so I am responsible for the payment due. I had the finance manager call them and they still calling me harassing me. Please tell me I can sue them for this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX LATE PAYMENTS XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX LATE PAYMENT XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX-RETAIL ACCOUNT {$1300.00}
Product: Credit card or prepaid card

Someone is useing our XXXX credit card to purchase XXXX and XXXX music on XXXX. XXXX is willing to credit back the purchase amount when we noticed this was happening. XXXX has the information on this person and is unwilling to tell us who it is or cancle their XXXX subscription associated with our credit card. We want to know who and how this happened before we go through the chore of canceling the credit card and reestablishing all the businesses we use this card with. I'm guessing it was a nistake on XXXX part that this happened. This person is using our name and credit card, but a different email address and street address. 
The purchase dates for the XXXX subscription were XX/XX/2022 and XXXX XXXX, XXXX. 
They were willing to cancel the amazon music subscription but not the XXXX subscription. 
It can't be legal that XXXX has the right to let someone else use our credit card and not let us cancel their account, or tell us how this happened.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance XXXX {$1300.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I transferred money from a savings account at another bank to SoFi and they decided to freeze and monitor my account on XX/XX/2024. I called SoFi right away since I was trying to use the funds in my account and my card was declined. They told me my account was under review by an internal team and I was not allowed to have any more information other than that or a timeline of when the investigation would be completed. I have called every single day since including weekends with no avail as to the status of my account, if any progress has been made in the investigation or when the investigation will be finished. this is critical for me that I get this resolved as quickly as possible since I am trying to buy some XXXX XXXX medication with that money that might not be covered by insurance and if I don't have this medication, based on my past history with med changes, I could potentially do things like XXXX XXXX  or both. I have called and called and called and called and called and they just keep going in circles and blaming me, the customer, for wasting their time and then hang up on me. All of the calls are recorded so you can hear them all say " I'm going to end this call now, goodbye '' and click. They have no empathy for those that are not only customers but those that have XXXX  health XXXX for they are giving me so much stress and XXXX and I feel like I need to go to the doctor and get an increase in meds just to deal with these SoFi employees that also have no supervisor to talk to. I get a number from the app and that is " the last point of contact '' but it is also the only point of contact as well. I have so much pent-up anger even when I still have my few remaining meds that I'm going off on everyone because I am so stressed out since XX/XX/XXXX and it's now XX/XX/XXXX so almost a week and a half since this started. I'm going to go crazy if I hear one more time " I can not give you any further information ma'am '' because they are hiding something from me and they won't even tell me why my account is restricted specifically so I don't know if it was the purchase I was making that was too large or something else. I need answers or this will not end well if I can't have my medication because of the money they are holding hostage for an " internal review '' and potentially drawing interest on it.
Product: Credit card or prepaid card

In XXXX I signed up for a Discover credit card account and was unknowingly enrolled in a payment protection plan. Unfortunately, today, XX/XX/XXXX, I finally realized I have been paying for this plan for almost 10 years. I was not, until today, informed of this program, it's supposed benefits or that it would continue to charge me fees over the life of the account. I was not notified after lawsuits were filed and refunds processed. I have moved 6 times since opening the account and unfortunately never received a notice regarding these fees. I have not used this program, nor did I ever intend to. Looking through online statements from XX/XX/XXXX to current day, I have been charged {$1900.00} please see the XXXX sheet attached with amounts and dates. This total does not include anything from prior to XXXX as I do not have access to those statements online. 

I called customer service today immediately after identifying these unsolicited charges to cancel. They advised me they would be able to refund the past six months fees which totals {$73.00}. This is such an insignificant amount compared to what I've paid over almost 10 years of being a loyal XXXX customer and it is entirely unacceptable.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX XXXX account was closed for fraud and to this day I dont understand how or why? I opened this account and I explained that.It took forever for them to reopen my account up and send me a new card. Now the new card is not being reporting to the three major credit reporting agencies. I received a letter saying I need to tell them in writing I want it reported along with a copy of my drivers license which is ridiculous because I sent a copy of my license in order for them to send me my current card. Why wouldnt I want it reported? Im not going to pay to have a certified letter sent when Ive already sent the information previously. I want my account reported to the 3 major credit reporting agencies
Product: Mortgage

I applied for a mortgage through Navy Federal, I was told this was exceptional bank known for their professional and overalls service experience. I was given a pre approval letter and began shopping for a home. Once I found my home, I presented a contract and was given a interest rate of 2.125 % for a 15 year mortgage. I signed and agreed to the disclosure on XXXX. I went through the underwriting process and was given a closing date of XXXX. I finalized all paperwork and signed documents promptly at underwriting request. On XXXX I received a call from the XXXX in underwriting letting me know that my interest rate had gone up .5 % because the rate was never locked and was on a float without my knowledge or consent. I expressed that the was incorrect and was told to contact the mortgage consultant. I forwarded her my documents and had an 45 mins conversation with XXXX XXXX XXXX XXXX # XXXX the origination officer. I asked repeated when and why he fail to asked me to lock my rates prior to closing. Outside of apologizing profusely he no answer for me. Although it was not intentional and this human error, this mistake on XXXX XXXX. XXXX cost me an excess amount of {$13000.00} ....
Product: Bank account or service

On XXXX XXXX, XXXX I transferred XXXX shares of XXXX ( XXXX ) out of my Morgan Stanley account into my XXXX brokerage account. All the shares were deposited, however the cost basis was never updated via XXXX. I have called and contacted both XXXX and Morgan Stanley since then multiple times, but I still do not have the cost basis. Currently I have a ticket open with Morgan Stanley ( # XXXX, opened on XXXX XXXX, XXXX ) but no one has followed up or resolved my issue. I ca n't sell these shares without proper cost basis as it will have tax implications. Please help resolve this issue!
Product: Debt collection

no account with AFNI. Final Accounts with XXXX XXXX XXXX was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact XXXX and provided the supporting documentation. 
XXXX Explained that XXXX XXXX has claimed that the information on my credit report is accurate. 
However, it is not accurate, it is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

Below are the details : I had an administrative forbearance as well as a general forbearance granted for federal student loans. It was explained to me by XXXX XXXX that all of my accounts would be updated, to be appear as current. The dates covered are XX/XX/XXXX-XX/XX/XXXX. However, I still see late payments on my credit report. I reached out to XXXX first and sent them the letter from XXXX XXXX stating the forbearance dates to be updated. They did not update my accounts although I disputed. Attached is the letter I sent to them along with the letter from XXXX XXXX By failing to update previously reported information, for XXXX and XX/XX/2017 XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. " This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.
Product: Credit card or prepaid card

In XX/XX/2019, I left a XXXX XXXX that I started called XXXX XXXX. We opened up a business credit card in my name and my Partners refused to transfer the balance. While we negotiated the sale of my shares, all of the items related to me were supposed to be removed from the business, including the credit card. 

The credit card ends in XXXX. Business name is XXXX XXXX . I would like a late payment to be removed because I had no means of making this payments once my former Partners ran up the credit card and stopped making payments. 

The card is now closed and we are working with the courts to have my former Partners to pay off the remainder of the balance.
Product: Mortgage

MY MORTGAGE WAS PURCHASED BY A COMPANY FLAGSTAR WHOM ADDED AN ESCROW ACCOUNT TO MY MORTGAGE WHICH I DID NOT AUTHORIZE. I HAVE CONTINUOUSLY TRIED TO REMOVE THIS UNAUTHORIZED PAYMENT AND SPOKE WITH REPRESENTATIVES WHOM SAID THEY DID SO ON XX/XX/XXXX WHEN THEY CHARGED ME FOR THE REMAINDER OF THE ESCROW PAYMENT TO CANCEL THE ESCROW WHICH IS CALCULATED AT XXXX THEY SAID THEY ALREADY UPFRONT PAID MY TAXES. TO DATE THE UNAUTHORIZED ESCROW PAYMENTS HAVE NOT BEEN REMOVED AND THEY ARE CONTINUING TO CHARGE A LATE FEE. THEY NOW REFUSE TO SPEAK TO ME ABOUT ANYTHING BUT THE PAYMENTS THAT ARE BACK. THEY HAVE OVERCHARGED ME SINCE XXXX OF XXXX WHEN THEY PURCHASED THE LOAN
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection with Transunion XXXX XXXX that was previously disputed and removed from the credit report over a year and a half ago. It was later added back to my credit report only on Transunion not the other credit bureaus with no notice to me. 

The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified.

If that situation applies, then the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information.

Bottom line is that if the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide a notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus all 3 Experian, XXXX and XXXX XXXX would not remove Hard Inquiries when asked.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX4
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly on my personal credit report the Chapter XXXX corporate re-structuring Bankruptcy. This credit report should only include a personal credit history and nothing associated with the Chapter XXXX re-structuring Bankruptcy. ( Please see page 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please delete these line items from my credit report.
Product: Credit reporting or other personal consumer reports

I wanted to apply for a new credit card but I have my credit frozen at all three credit bureaus. I easily unfroze my credit with XXXX. I tried to call to unfreeze at Experian during regular business hours. I got a robot that asked for my XXXX XXXX then my zip code, then the numeric portion of street address. Then my only option was to either freeze my credit or get a copy of my credit report. I tried to talk to a person but the robot said I'm sorry there is no available at this time. I tried to login on the website but it said my username or password was incorrect. I clicked on the " forgot my user name '' and entered my birth date and SS XXXX. It said they didn't match - I was very careful with my typing! I tried all of this multiple times then went back to the website to file something online. I was able to somehow get to my account by entering an answer to a personal question and entering my PIN and while there I verified my info but it did not show my SS # so I couldn't verify that they had my SS # correct. I signed out and tried to sign in again and all of the above happened again. It is IMPOSSIBLE to talk to a real person. I am locked out. HELP When I try to login it says my user name is already in use. I have XXXX  every possible phone number but its always the same robot that can not help me. I feel like a prisoner.