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

Subject : Request for Removal of Inaccurate Information under FCRA Compliance I am writing to formally request the removal of inaccurate information from my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate. In particular XXXX XXXX. This entity, XXXX XXXX must be reported as disputed due to FCRA violation until its resolved by being removed from all three credit reporting agencies. 

As of XX/XX/year>, I initiated disputes regarding several items that continue to negatively impact my credit. Despite my efforts, the inaccuracies remain, and I seek your immediate attention to correct them. 

XXXX. Discrepancies in Verified Information : All three credit reporting agencies ( Equifax, XXXX, and XXXX ) claim to have verified information with XXXX XXXX, yet each agency has concluded different amounts that I allegedly owe. This inconsistency directly violates the FCRAs requirement for accuracy. If the information were truly verified, the amounts would be uniform across all reports. 

XXXX. Misreporting of Alleged Debt : The alleged debt from XXXX XXXX is reported as a write-off, indicating that the IRS has already credited this entity for the debt. This raises further questions about the legitimacy and accuracy of the debt being reported on my credit report. 

XXXX. Inaccurate Personal Information : My name and address are inaccurately reported across the credit agencies. I have only one name and one address : - Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Texas XXXX Equifax has inaccurately reported my name as " XXXX XXXX XXXX '' on XX/XX/year>. After filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), Equifax then reported my name as " XXXX XXXX XXXX '' as of XX/XX/year>, but still did not address my disputed items. Recently, Equifax requested verification of my address by asking for a light bill, which further complicates the process and delays the correction of inaccuracies. 

The bottom line is that these three agencies are required to report accurate information about me, and they have failed to do so as per the FCRA. Therefore, I formally request the permanent removal of the XXXX XXXX entry from all three of my credit reports with Equifax, XXXX, and XXXX. 

Please ensure that my name is correctly listed as XXXX XXXX XXXX and that my address is accurately reported as XXXX XXXXXXXX XXXX XXXX XXXX Texas XXXX. 

Thank you for your prompt attention to this matter. I expect a resolution. I look forward to your confirmation of the corrections. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Disputed a charge and was issued a temporary credit, with the promise to be contacted, if the additional information is necessary. No additional information has been ever requested, either before or after the merchant 's response was received. At that point, Citi billed me back for the dispute and refused to consider any of my supporting documentation. In reply to my numerous requests that Citi must follow their own dispute procedures, I received replies that failed to address the Citi failure. Instead, the Citi so called Executive Office, kept replying - the merchant responded, we rebilled. The Citi customer service has never been good, but it became impossible in the past few months. Their customer service reps on line and on the phone are no better than their so called Executive Office, of which nobody seems to be in charge. All requests to escalate this matter and to provide me with the name and address of the person in Charge of Executive Office ended nowhere. They are so confused that are not able to understand that the reservation was made and billed through XXXX, on a totally false advertisement of the totally miserable XXXX XXXX. The nonrefundable charge was processed by XXXX, who should be held fully responsible for this unfortunate transaction. Instead of understanding the issue, the only problem with the hotel reservation I had on my trip to XXXX in XXXX, 2016, the Citi incompetent customer service kept pointing out that the miserable hostel does not agree with my claim and this is why I should pay. I DID NOT RECEIVE THAT FOR WHICH I PAID. CITI REFUSED, REPEATEDLY, TO FOLLOW THEIR OWN DISPUTE PROCEDURES, WHICH IS WHY THEY MUST REFUND THE CHARGE FOR XXXX XXXX AND THE ASSOCIATED FOREIGN TRANSACTIONS FEES PS - ATTACHED HEREWITH ARE MY TWO FAXES TO THE CITI CARDS CEO. VOLUMES OF EMAIL MESSAGES THAT I SENT FROM BOTH THE SECURE MESSAGE BOARDS AND AS REPLIES TO THE CITI PROMISES TO REPLY ARE AVAILABLE
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I signed up to get an XXXXXXXX XXXX XXXX through the XXXX all access program funded by citizen bank. They had me fill out an application for a credit line which they used to purchase and XXXX through XXXX for me. Upon completion I was given an order number to verify my purchase and sign up for a warranty on product. I used the number on XXXX website and the number was not valid for any product. Upon noticing this I immediately spoke with the customer service and requested to cancel the order. I was sent an order cancellation letter. After that I thought everything was fine. Up until two months ago I noticed a charge from citizen bank for XXXX dollars to my bank account. Apparently after I canceled my credit with citizen, they kept my info on file and placed an order the next day on XX/XX/year> for another XXXX without my consent. The order is under a name similar to mine but spelled differently, even the address provided did was just a number different.I tried to verify the order and find who ordered it and the product but the order number for that product was also invalid. Both XXXX and citizen deny and state that I must talk to the other everytime I try to find a solution to this dilemma. They blame each other and have no records of the order and product. They leave me on hold and hang up the phone constantly. I did not purchase anything, everything was done through an application provided by the citizen bank and they used my information to purchase an XXXX from a retailer they cant even track. I dont understand how they do not have any of the receipt information or order number for a product they sponsored. The order number provided is not legit number on XXXX.
Product: Checking or savings account

This complaint is about my discover savings account. I suddenly got an email from discover saying a suspicious account activity is reported on my account and so account is locked and said to call a number to unlock the account. 

I have been trying to call discover from Thursday XXXX Since then, Everyday the call goes on for XXXX hrs and gets disconnected after XXXX hrs. I have been spending nearly XXXX hrs a day on call and not even able to talk to an agent and the agents on chat and on discover social media accounts couldnt help and they say to talk to the same number. 
The auto recording says estimated waiting time XXXX minutes but the wait goes near to XXXX hrs and gets disconnected. 

I want discoverbank to have a good customer service to be fast to help people from this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report ( All items are not on ITR due to limited room ) * and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Debt collection

In response to XXXX. I have SEVERAL other XXXX accounts and XXXX XXXX   XXXX  is ONLY an installer of the security equipment, they do not provide monitoring services ( at least in XX/XX/XXXX-XX/XX/XXXX they didn't ). Once the installation is complete the monitoring services are provided through XXXX monitoring sites, as XXXX XXXX XXXX does not offer monitoring services. That is why the only bill I received for the account in dispute came from XXXX in XX/XX/XXXX, and not XXXX XXXX XXXX, and that is why in XX/XX/XXXX the service interruption notice came from XXXX and not XXXX XXXX XXXX. That contract that you have is not legit ... that's not my signature, as you will see when I feel it is needed to show my other contacts, and tthe monitoring contracts that I possess have XXXX logos and not XXXX XXXX XXXX. The only XXXX XXXX  XXXX logo I have is for the purchase and installation of the security system. I will proceed to fight this because there is a scam somewhere. I will be proceed to the next step since I now have a copy of your fraudulent XXXX XXXX XXXX contract that I never saw or signed. The document itself is fraudulent and forgery is illegal.
Product: Checking or savings account

I was scammed out of more than {$100000.00} after a criminal accessed my accounts after I called a fake XXXX customer service number. They transferred money from an account and told me they were outside funds, and unfortunately, I withdrew cash to " pay them back. '' I asked the bank, the Bethpage Federal Credit Union, to reimburse the money because i only was questioned once about the large amounts of cash I withdrew, but they said there was nothing they could do. I also suffer from long XXXX, which causes XXXX XXXX XXXX  '' and can impair judgement.
Product: Debt collection

I sent a letter requesting for the debt collector to validate a debt based on a letter I received from them. They responded back without validatng the debt. The information they sent does n't have my signature accepting service from their creditor or any pertinent information. There is no proof submitted. Also, I stated I do n't know this doctor and the date of service is almost 2 years ago. I had two different insurance ( primary & secondary ) during that time period. If their billing person did not bill correctly the insurance companies ; then I am not responsible for the bill. Also, if another doctor took over the practice ; then the new doctor can not claim service he did not perform. That is fraud!!! Information provided is proof but something printed out from the debt collector 's computer system. It does not show proof from the creditor!!
Product: Credit card or prepaid card

I had purchased flights with capital one credit card in XX/XX/2019, the trip was cancelled due to COVID-19 and I have been working to receive a refund from the airline carrier. I finally recieved the refund back to the same credit card I used on initial transaction and I want the full refund sent back to me as a check ; well, capital one used half of the funds to pay the account balance on the credit card, which is for my business account when i need the full refund from the flights so my account are not commingling. I requested to have the full refund sent to me and Capital one says they are not able to do so, even after I offered to pay the account balance on the credit card with another form of payment, not from my returned credit refund. 
Horrible customer service and it seems illegal they can keep my funds to pay for their account balance.
Product: Checking or savings account

I have been banking with citibank for almost 10 years. Recently, they always lock my account for no apparent reason and when I call they can't provide me with any reasoning. 
I spoke with XXXX XXXX XXXX XXXX technical support as well as XXXX who were no help. 
XXXX advised citibank is having technical issues because she was only able to help when she entered my bank card and not when I did on my side. 
Citibank locks my account for no reason and I have to call and battle with agents to get visibility. 
How can I enter incorrect information if it's fingerprint? 
Why am I paying a service fee for inconvenience and no access to my account. 
Citibank is by far the worst company. 
This is my second complaint as last year, citibank removed XXXX of my checking accounts. I say removed because it disappeared from my bank details and no longer visible. Citibank hid XXXX of my accounts and the money intil I contacted them. 
I asked why I didn't receive an email letting me know my account was locked. Agents advised they can't provide such email.
Product: Payday loan, title loan, or personal loan

I applied for loan for an engagement ring. The store uses Synchrony Bank. They indicated my score was XXXX. However, there is no mentioning of which Credit Bureau this info was gathered from. I monitor my credit closely and though not XXXX I am all but sure my bank, XXXX XXXX, and XXXX  can't be XXXX points off. While operating as XXXX XXXX XXXX, the company had engaged in deceptive and discriminatory credit card practices. I want the inquiry removed and any of my personal information removed from there data base.
Product: Credit reporting, credit repair services, or other personal consumer reports

We discovered at the beginning of this year that I have been victim of fraud again. One of the banks issuing one of the accounts was Synchrony Bank XXXX XXXX XXXX, we informed them and they accepted that this was a fraudulent account and they removed it. Now a couple of months later, we discover that they have allowed to open a new account even dough my credit has been reported under identity theft, we have been working for months to repair it and even placed a freeze. Now they accepted another fraudulent application and they are claiming $ XXXX which just threw my credit back from mid 700 's to mid 500 's All of this months cleaning my credit and money spent, and now they killed me again.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX my vehicle was rear ended and claimed a total loss. I received the first payment on the loan three months after initial hit. The driver was not inssured to the level that needed to pay for my car. I halted payment as I had both been paying for GAP insurance as well as had full insurance with my provider. I tried communicating with Chase and halting payment. Really hurt my credit while I waited for payments to be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Charge off still reporting ongoing payment history and balance, Date of Last Activity inaccurate, Date Opened has XXXX different dates ( inaccurate ). Date of last payment is inaccurate. Remove from my credit report. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Charge off still reporting ongoing payment history and balance, Date of Last Activity inaccurate, Date Opened has XXXX different dates ( inaccurate ). Date of last payment is inaccurate. Remove from my credit report. 



XXXX. Account Name : XXXX Account # XXXX Dispute Reason : Payment history is inaccurate with other reporting agencies XXXX, XXXX, XXXX and XXXX. Date of last payment has XXXX different dates. update payment history as paid as agreed never late ( PAANL 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

we have a rural development loan for a home that got sold to chase we got it 5 years ago, than recently i had XXXX XXXX XXXX and we incured alot of medical debt and we fell behind on are mortgage payments. we have tried to do a loan modification 5 times and keep getting denied they loose paperwork and keep giving us the run around we want to stay in our home and are doing everything we can to get caught up, but chase seems unwilling to work with us. they say we only qualify for a short sale and keep threating us with foreclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I called a number given to me by a XXXX store representative to talk about removing a collection from my credit report if it was paid in full. I had previously settled for less than the full balance but wanted to know if I was able to have it removed if I was able to pay the remaining balance. When I called the number on the phone a second representative and I went through a long processes of confirming my identity because the account was so old that I did n't remember any of my old security information. After I was eventually able to confirm everything I asked him if by paying the account in full the collection would be removed. He said that doing so would remove it so I paid the remaining balance over the phone then filed a dispute with each credit reporting bureau to make sure that the collection was updated and removed now that the full balance had been paid. Today I received the first results of my dispute from XXXX telling me that the collection will remain on my report until XXXXe 2019. It bothers me that I was misinformed by two separate XXXX representatives about the outcome of paying off the remaining balance and then the fact that doing so will result in no change whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against XXXX, XXXX, and XXXX for reporting incorrect information, non verifiable information, and incomplete information on a account all XXXX are reporting which violates the FCRA and due process of federal law. The said account at issue is called XXXX XXXX under account number XXXX. A dispute was filed with all 3 bureaus and my dispute was denied and information in all 3 reports was considered to be correct/ accurate and verified. A copy of the consumers smart credit 3 bureau report is included in this complaint to verify all errors and discrepancies on this account. All reporting errors are as follows : 1. Both XXXX and XXXX report a high balance of XXXX. XXXX reports a high balance of XXXX. All can't be correct. 2. All three credit bureaus report different dates of last activity. XXXX reports XXXX as XXXX. XXXX reports XXXX as XXXX. XXXX reports XXXX XXXX. All differ and can't be correct or verified as accurate. 3. Both XXXX and XXXX report payment amounts as XXXX. XXXX reports payment amount as XXXX. 4. Both XXXX and XXXX report date of last payment XXXX. XXXX reports last payment date as XXXX. XXXX. XXXX report says last payment made was in XXXX. Contrary on same report under 7 year payment history calendar that last payment was made in XXXX and that in XXXX, account was closed and in collections. XXXX. XXXX reports that last payment made was in XXXX. Contrary on same report, it shows under 7 year payment history calendar that last payment made was in XXXX and that in XXXX, account was 30 days late. 6. XXXX report shows XXXX 90 days late. XXXX report shows 1 90 days late. XXXX report shows 4 90 days late. All differ and can't be correct. 7. XXXX  payment history calendar shows in XXXX of XXXX that account was paid/O.k.. XXXX reports 30 days late in XXXX of XXXX. Both can't be correct. 8. XXXX report says account was 30 days late in XXXX of XXXX. XXXX reports account was 60 days late in XXXX of XXXX. Both differ. 9. XXXX report says in XXXX XXXX account was 60 days late. XXXX report says in XXXX Of 22 account was 90 days late. Both differ. 10. Both XXXX  and XXXX reports are missing date account was closed. 11. Both XXXX  and XXXX reports are missing Date last verified also.
Product: Vehicle loan or lease

I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card or prepaid card

In chronological order of events : XXXX. Through my Bill payer service, I sent full pay-off amount of {$40.00} to Commenity Bank XXXX XX/XX/2021, which was XXXX days prior to the due date. XXXX sheet attached. 
XXXX. Commenity Bank alleged they did not receive payment for app XXXX weeks. I was charged a {$35.00} late fee plus {$2.00} interest, resulting in a new balance of {$77.00} XXXX. Sent my first letter, dated XX/XX/2021 which disputed the balance and late fees. Received no response. XXXX sheet attached. 
XXXX. I continued to receive monthly bills adding new late fees [ {$35.00} each month ] & interest each month. 
XXXX. I sent a XXXX letter, certified with return receipt, to Commenity Bank, which they received XX/XX/2021. I again disputed the entire balance. I provided a copy from my bank 's Bill Payer service documenting my payment of {$40.00} [ which paid off my account ] was sent on XX/XX/2021. 
XXXX and XXXX sheets show copies of the letter I certified with return receipt. 
XXXX sheet attached is a copy of my Bill Payer service printout. I use XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. Received a letter from Commenity Bank, dated XX/XX/2021 - they were researching my dispute of the charges and they requested XXXX days to research and respond to my allegations. 
XXXX sheet attached. 
XXXX. It has been over the legal allowable XXXX day time frame which Commenity Bank has to resolve a complaint. I am requesting intervention from XXXX XXXX XXXX XXXX to get this issue resolved. 
XXXX. The XXXX sheet I attached is my most recent bill, showing a balance of {$110.00}.
Product: Debt collection

On XX/XX/2020 I received a call from ERC in XXXX, La. The first caller asked if I was me then told me to hold because there was someone who wanted to discuss a business matter. I own three businesses. The next person attempted to get my personal information and I asked the nature of the call and they kept reciting it was a personal business matter. Never once would they disclose the specifics even after I asked for them 3 times. I ended the call by stating you have to disclose who you are before asking for information and not to contact me again. I am in a debt settlement program and they arent to call me anyway.