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

I am writing this letter to you regarding the service that I received from the credit reporting bureau Experian. Beginning in XX/XX/XXXX, I have been working with Experian Credit Bureau to dispute items that are posted on my credit report that are being reported in error. These items are drastically affecting my credit score in a negative manner and is causing me to be denied credit opportunities. I have sent four letters by certified mail within the past nine months to Experian Credit Bureau requesting that any, and all disputable items on my credit report be verified properly per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ). 


Certified letters were delivered to XXXX on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

According ; to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit reporting bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract on all accounts that are disputed on a consumers credit report. Along with the verification process, I demanded to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts that were being disputed on my file Under the FCRA, disputed accounts must be removed, if the credit bureau is unable to provide a copy of verifiable proof ie. ( Consumer Contract with Signature ), then the disputed account must be removed from the credit report. I have sent Experian several letters demanding that the accounts be verified per the FCRA. In their response to me ; Experian has stated that the accounts have been verified and updated. However ; Experian has yet to inform me on how they verified the disputed accounts and they have not provided me with a copy of the original contract with my signature on it as proof that the disputed account has been accurately verified. 



I have enclosed a list of the disputed accounts that remain on my credit report, as of the last credit report that I received from Experian dated XX/XX/XXXX Name of Account Account Verification Status per Credit Bureau XXXX XXXX XXXX XXXX XXXX Collection/Meets Requirement of FCRA XXXX XXXXXXXX XXXX XXXX XXXX Paid Closed/meets requirement FCRA XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX Purchased by lender XXXX XXXX XXXX XXXX XXXX XXXX Collection/Meets Requirement of FCRA XXXX XXXX XXXX XXXX Collection/Meets Requirement of FCRA
Product: Credit card or prepaid card

I ordered a set of tires from XXXX on XX/XX/2021. I tried to cancel the order and was advised to simply refuse the delivery. I followed these instructions and XXXX was to return the refused tires to XXXX. The return shipment was lost in XXXXXXXX XXXX system. I followed all steps as instructed by XXXX customer service to obtain a refund, including, per their direction, filing a credit card dispute. I did so and provided Amex with all needed documentation. 

Twice now, Amex has simply accepted XXXXXXXX XXXX statement that because they don't know where the tires are, that I am liable for the charge. This is in direct contradiction to what XXXXXXXX XXXX customer service informed me, AND what their system showed. I have email confirmation from XXXX that a refund was being processed. It never arrived, and I was instructed again by their customer service to file a credit card dispute in order for Amex to obtain the refund from XXXX. 

Again, Amex has returned saying the charge is valid, when I explicitly gave Amex written proof that a refund was owed. 

I have spent MONTHS fighting this charge, and Amex has twice sided with XXXX XXXX XXXX XXXX department.
Product: Checking or savings account

I'm taking every route possible chime bank since I disputed hundreds of dollars in fraudulent transactions has denied repeatedly my claims and refusing to help refund my money.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSIONto file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in removal the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019, my wife and I visited Chase bank branch at XXXX XXXX, XXXX, XXXX, IN XXXX. We asked the banker to add my wife 's name into my existing checking and saving account. The banker scanned my wife 's ID and added her name to my account. However, a few days later, we got an email from Chase said the documents are not completed and we need to come back to the branch to fix it. 

We went to the branch the second time and the banker scanned my ID. A few days later, I found both my checking account and saving account were frozen. I called Chase custom service and they said they can't find my wife 's ID! 

Then, we went to the branch the third time and re-scanned all our documents, and finally had our accounts activated again. 

Due to the period of the account frozen, we had been charged at least {$58.00} for returned payment. The banker promised to handle it but never reply my inquiry email after I send him the documents about these charged bank fees. 

In addition, we are very concerned about the way they handle our privacy and personal documents. We think this branch doesn't properly train their employees and they have no idea how to correctly handle custom 's personal documents. They lost my wife 's ID. 

In summary. We want the branch to reimburse the loss caused by their mistake and have a full investigation on their way of handling customs ' personal documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiry on my Experian credit file
Product: Debt collection

SEQUIUM ASSET SOLUTIONS Located submitted XXXX XXXX XXXX obtaining information under false pretenses to the consumer 's credit corporation claiming to strike fear and under false pretenses, used FALSE impersonating to gain access to the consumer 's credit reports. Their claim and VIOLATIONS SUBMITTED information of being collector 's/ as well as claiming to be ATTORNEYS submitting a collect claim - a violation of the Fair debt collection practices Act. Also, the false. DECEPTIVE TRADE PRACTICES. By not notifying parties of the consumer 's dispute with FCRA. The CONSUMER will submit evidenciary proof in a report case information to the local authorities XX/XX/2022. Each XXXX  was given a different and more DECEPTIVE view of their DECEPTIVE TRADE PRACTICES than the NEXT XXXX  dispute XXXX XXXX. Alleged CONSUMER IS REPORTING VIOLATIONS AND DISPUTE TO CFPB AND FTC. ALONG WITH FEDERAL PROTECTIONS GIVEN. PRIOR BY THE FEDERAL SOCIAL SECURITY ADMINISTRATION MAKING THE CONSUMER " JUDGEMENT PROOF. '' I SEND THIS WARNING FOR THE COLLECTOR NOT TO AGGREGATE AND AGGRAVATE MY DISABILTIES ANY FURTHER.
Product: Debt collection

On Monday XX/XX/XXXX I received a email saying that XXXX recently know as XXXX XXXX   sent me to collections for a balance of {$650.00}. I lived a XXXX  XXXX  for 2 years prior to moving out in XX/XX/XXXX. In the year that I moved out I had tremendous problems with my roommate. I have countless emails to prior management to prove this. After moving out, I received a outstanding balance bill in the mail. When I spoke with XXXX ( the current property manager ). He told me to write a letter in writing as well as through email and they would RESPOND with a counter offer. XXXX XXXX never responded as you can see from this email. I never heard anything from them in two years and i assumed it was resolved. 

The year XX/XX/XXXX, when I signed to renew at XXXX  XXXX  I had NO co signer. The cosigner that I had was from the year XX/XX/XXXX. That uncle and my family no longer spoke. XXXX ILLEGALLY, Reported him the credit bureau as well, He never resigned to cosign. Please pull the forms proving otherwise and PULL his name off of this. THAT IS ILLEGAL. 

This is a lawsuit based on the Fair credit reporting act in the state of Florida. 

I guess in the mix of the two companies merging/Switching documents were lost and merged. I have ALL my emails to XXXX  XXXX  & I'm ready to discuss this. Below, is the inital letter that was given to XXXX with the date right after receiving the bill in the mail. I also have all the emails with dates complaining about the apartments issues. We can go all day. 

But I will sue National Credit systems as well as XXXX XXXX for trying me. 

Warm regards,
Product: Mortgage

On XXXX XX/XX/XXXX we officially closed on the sale of our house ( statement of satisfaction received, funds transferred etc.. ). The buyers took over our loan under the VA assumption program. The VA assumption process has not been finalized as of XXXX XX/XX/XXXX and the loan is still under our name even though we no longer own the home. The mortgage company ( McLean Mortage Corporation ) is now harassing us with letters and phone calls stating we are in delinquency, even though they are working daily with the VA to get the assumption process completed. The mortgage company did not get the assumption paperwork to the VA until XXXX XXXX ( 2 weeks after we closed on the home ) and the VA has had to go back to them several times to get additional documentation because they failed to send the correct documentation multiple times. This has caused us severe emotional stress and anxiety and we feel there is no one that has our best interest in mind.
Product: Debt collection

I have sent several letters to all 3 credit bureaus requesting that Portfolio Recovery Associates, LLC provide validation of debt concerning the 2 accounts held at their company in my name. The have not provided any validation of this debt but continue to send letters stating I need to pay this collection. They are reporting inaccurate information to the 3 credit bureaus.
Product: Credit card

We were three days late in paying on our Barclaycard XXXX XXXX XXXX credit card, issued by Barclays Bank Delaware. We ordinarily pay the full balance each month, but we had been on vacation and our schedule was off, so we expected to be assessed some sort of late fee and/or interest. But I was shocked and disturbed to learn what must have been hidden in the fine print : on a total statement balance of {$26.00}, we were assessed a late fee of {$26.00}. This was so disturbing ( and confusing ) that we called to complain. The explanation from a supervisor : the late fee was SUPPOSED to be {$27.00}, but apparently the bank 's policy was to lower it for a smaller balance. When I noted that this was equivalent to charging us 100 percent interest for three days, the supervisor said he understood but that there was simply nothing he could do. In fact, I assume that we will also be assessed interest for the carried balance, so the ultimate cost of this will be more than the total balance. On an annualized-interest basis, that seems equivalent to charging us more than 10,000 %. I do n't know if this is legal, but it should n't be -- it 's an abhorrent, " gotcha '' charge of the worst sort.
Product: Bank account or service

Some one hack my dibit card I told them I did n't make the purchase but they paid it any way, resort for every bill came due they added fees for over draft, then my automatic was deactivated and my bills was not being paid which was report to the reporting companys, no told me automatic was deactivated and late was being reported and late fee'e add to amount due to me account. This whole problem could have been avoided if the credit union had not paid a bill due to hack I received an email about the purchase I replied by I did n't make are authorized the purchase, I called the credit union and told them I did n't make the purchase, at that point it had not been paid even after them I did n't make the purchase they still paid it and added overdraft fees for all bills that needed to be paid by automatic pay from my checking account everyday checking, and then they deactivated the account with out notice and my bills was not being paid
Product: Credit reporting or other personal consumer reports

I found fraudulent inquires and account in my credit report.please remove that. XXXX  XXXX inquire date XX/XX/year>XXXX XXXX XXXX inquire date XX/XX/scrub>XXXX XXXX XXXX XXXX inquire date XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been charged with two charge offs by Chase Bank Credit cards for cards that were corporate cards. I attempted to work out terms with Chase but they would not discuss any arrangements when the cards were first reported as in default in XX/XX/XXXX. In XX/XX/XXXX Chase issued XXXX tax forms for the amounts of the XXXX cards and charged them off against my credit report. I paid the tax bill and was told that the charge off would not remain on my credit report after XX/XX/XXXX, but it continues to be reported even to this day a year after the no notice XXXX, and 8 years since the cards were reported in default.
Product: Student loan

I submitted my Department of Defense paperwork [ XXXX ] to be reviewed and forwarded so I can be repaid for my student loans on XX/XX/2018. After two weeks I called to ensure my paperwork was processed as normal. I was told my paperwork was lost and had not been touched since uploading it to their website. They reassured me that they would complete the work needing to be done and it would be resolved within a few days. I called approximately one time over the next 4 weeks only to be told nothing has been done with my government papers each time. My last phone interaction was XX/XX/2018 and I was told nothing has changed. For the last several years XXXX has processed my government paperwork within a few days. With every week that goes without them submitting my paperwork to the DoD, I am not getting repaid for my loans - and I am unable to use one of my military benefits defined within my government contract.
Product: Debt collection

I hope this letter finds you well. I am writing to formally request the removal of late payments from my account records. I understand the importance of maintaining a positive credit history, and I would like to address the recent late payments that occurred on my account. I kindly request your understanding and consideration in removing the late payments from my account history. I am committed to maintaining a timely payment schedule in the future and ensuring that such delays do not occur again. XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a XXXX XXXX XXXX  customer service representative I understand that the company has policies regarding late payments, and I sincerely appreciate your time and attention to this matter. If there is any documentation or information required to support this request, please let me know, and I will provide it promptly.
Product: Credit reporting or other personal consumer reports

I saw some false accounts on my credit report today, and Im confused about how they got there. I check my report regularly, but this time there were random mistakes. I tried refreshing the page, thinking it might be a glitch, but the errors didnt disappear. Due to this, Im requesting that the documents I provided be carefully reviewed so I wont have to deal with this again.
Product: Credit card or prepaid card

I had purchased this card almost a week ago I have been on hold out of all this time Ive called 10 hours total. there website does not function correctly so I cant use that. And my emails have done nothing they are basically holding my money hostage. Its a my vanilla card So I have been unable to set it up do to there flawed system
Product: Debt collection

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enab
lement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Checking or savings account

Every month I deposit {$2000.00} into my account at usaa which the check is written to me on a usaa account. Every month they only allow me to get XXXX then place a 10 business day hold on my account which causes me to not to be able to pay rent utilities and buy medicines and groceries. My rent is due on the XXXX and I XXXX  XXXX dollars for wvery day that that XXXX dollar rent isn't paid. That's usually XXXX XXXX dollars extra in rent i have to pay because usaa will not allow me as a veteran on a fixed income to access my funds. I'm literally going broke and without electricity or water or food or meds every month now for 5 yes. They say it can not be released however 3 months ago I got so fed up with this XXXX  I called 27 times until I was transfered to a manager by the name of XXXX and he.told me.that at anytime funds can be released with a simple push of a button or two and he stated that if ever I was denied my funds to know that the location I had reached that day that wouldn't allow it to be released is only using that method at that contact center to drive up profits by keeping the funds of depositors on hold. Today I reached a lady by the name of XXXX at extension XXXX she refused to give me the contact center address or number only her extension. She begins to tell me.her policy and.procesure of why it is right for her not not allow me to access funds I put I nto my account. I asked to speak to her manager and she just kept repeating policy. I asked her if she only gets a percentage of her pay or is she allowed to get her whole paycheck or is she gets enjoyment of causing me to be forced to pay extra on my rent resulting in no food no electricity or.meds etc..she said their policy was.. 

That's when I lost it after asking for her to transfer me.to her superior and her not doing so I advised her I would be making a complaint again she wanted to talk policy.. 
It seems the policy is as XXXX described. To make.profit off of deposits placed in ones account by holding those funds XXXX resulting in usaas customers, Veterans and services members, being forved to go without needs being met or in higher bills resilting.also in bounced payments from insufficient funds and.cause fees to accumulate. This is wrong in every sense of the way. Please help us and stop Usaa from holding funds XXXX and let the XXXX 's of these contact centers know we won't tolerate it. I asked XXXX if I could bring my children to her home for.food when we were unable to buy them.food she said to me of course not thats ur responsibility ... .I hung up the phone because obviously She is bought into the idea that profit is ok even if it means hurting those that fought for her right to be a XXXX XXXX. # releasethefunds
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my mail and noticed that I was sent a Letter for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a XXXX, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights. 


XXXX Account # XXXX XXXX US Dept ED Account # XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX U

.S.C 1618 section 602 A. States I have the right to privacy. 15 U.S.C. 1618 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.