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

I am writing to formally dispute certain inaccuracies present in my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding these discrepancies, but I have not received any response as of the present date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX The account XXXX with Account # : XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} ( Disputed Amount ) The account XXXX XXXX requires examination due to inaccurate reporting. The reported balance of {$6400.00} appears to be higher than my recollection. Furthermore, your agency indicated that this account is closed, which means the Past Due amount should not be provided. To address this misleading data, I am committed to contacting the creditor directly. However, I request that your agency mark the account as disputed while I work towards a resolution. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} ( Disputed Amount ) I require verification of the account identified as XXXX, as your reporting appears to present incorrect information. The reported balance of {$940.00} does not align with my understanding, and I believe the accurate amount to be lower. Additionally, the Past Due amount should not be indicated, considering the account is closed and charged-off. I request that your agency mark this account as disputed to prevent it from adversely affecting my credit standing. Also, I require verification of the Date Opened, Date of Status, and Date First Reported. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} ( Disputed Amount ) The account XXXX has incorrect evidence and is negatively impacting my credit reputation. The reported balance of {$100.00} does not correspond with my memory of a lower amount. The Past Due information should be revised, as it is inappropriate to present a Past Due amount for a closed, charged-off account. This misinformation has likely contributed to a drop in my credit score. To rectify this, I need to resolve the incorrect data with my creditor, and I ask that your agency mark this account as disputed to prevent further credit score reduction. 
Account Identifier : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} ( Disputed Amount ) The XXXX XXXXXXXX account is inaccurately reported, as the balance of {$870.00} is inflated and not recognized by me. I believe I owe a lesser amount. Furthermore, the Past Due amount provided by your agency indicates inaccurate reporting. This account is closed and charged-off, and thus the Past Due amount should not be included. I am determined to address this matter directly with the creditor and request that your agency mark this account as disputed during the resolution process.
Product: Credit card

On XXXX XXXX, 2015 a balance transfer check was sent to Barclays U.S. Airways Dividend Miles Master Card ( Barclays ) account from U.S. Bank XXXX XXXX ( Visa ) account in the amount of {$4500.00} ( my entire balance ). XXXX has proof that Barclay 's cashed the check ; however, the balance transfer is not reflecting in my account. The balance on my Barclays card should be zero dollars. It is still incurring interest and I am being charged late fees, plus, the full balance is showing up on my Visa card and my Barclay card. This means that I am carrying double the debt and required to pay XXXX the interest rate charges. I submitted a formal complaint with Barclays on XXXX/XXXX/2015. My case number is XXXX. I faxed a typed complaint letter and a photocopy of the check to Barclays on XXXX XXXX, 2015. I have proof of that of fax confirmation.
Product: Money transfer, virtual currency, or money service

I am writing to express my profound concerns and frustration with the verification process required for my account. Despite providing the requested video documentation, which includes holding my legally obtained and legally issued California state driver 's license, speaking my name, the date, and the purpose of the video, confirming that I am the sole user of this account, and stating the day accompanied by my driver 's license and a clear view of my face, I am still experiencing issues. 

Additionally, I filed a police report with my local authorities for identity theft against Binance, as there was no other option available. I also submitted the required license verification with a selfie. However, due to my driver 's license not having a physical address attached, you are holding and potentially stealing my funds, which is wholly unacceptable. 

Moreover, I am expected to pay taxes on this money, and I would receive a XXXX form in the mail, even though you have frozen and withheld my funds. This is not only unjust but also illegal, as you should not require me to pay taxes on funds that I never had access to. 

Furthermore, the information and documentation I have provided are more than sufficient to prove my identity. I request that you review my case thoroughly, expedite the verification process, and release my funds immediately. 

Thank you for your understanding, and I look forward to a prompt and favorable resolution. 

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

Department of EducationXXXX XXXX XXXX inaccurate information on my credit report. The accounts were removed from XXXX report because of the violation. 

XXXX has still fail to remove the accounts on my Experian & XXXX report which still are causing a reporting issues of inaccuracies. 

By law everything should be reporting the same across all 3 bureaus.

15 usc 1611- false & inaccurate information willing & knowingly
Product: Credit card or prepaid card

American Express - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

As previously stated in initial complaint, XXXX XXXX Co has legally failed failed to provide me with complete debt validation within the given 30 day period allotted to them by federal law. I sent their notice on XX/XX/XXXX via certified mail ( Tracking no. : XXXX XXXX XXXX XXXX XXXX ) which was delivered to an individual on XX/XX/XXXX. They made the decision to ignore my request for debt validation for a total of more than 40 days until I filed the CFPB complaint. By law, they HAVE TO remove this account Their response to my CFPB complaint on XX/XX/XXXX was not only extremely late, but also entirely incomplete pursuant to Regulation F, 12 CFR part 1006. 

Unfortunately sending me a screenshot of a computer page with nothing but a name and email ( neither of which is mine ) is NOT debt validation via the most minimum requirements of the law. I am not approving additional time for debt validation and what they submitted to the CFPB is grossly incomplete in accordance with the above mentioned laws. 

I have attached the notice I sent to them, that includes the outline of what they are required by law to send. I have also included the documents they thought counted as debt validation ( none of it does ), and a picture of my ID.
Product: Money transfer, virtual currency, or money service

I am writing Zelle to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reports discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that reversing lost funds was impossible and tracking theses transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

XXXX XXXX  send us a notice recently dated XX/XX/2014 stating they were the new lender for the second mortgage. And that they will be contacting us where to send second mortgage payments. We never received any correspondence from them period about making mortgage payments. They alledged they send over XXXX correspondence that not true to us. I am asking them XXXX XXXX to provide copies of the correspondences, Also for them to provide to us are they a debt collector or a actual lender with their NMLS Number and a copy of the note recorded by XXXX XXXX on our property. Also requesting the Register Agent for XXXX XXXX to negotiate a reasonable settlement. I am asking CFPB to have the Federal Trade Commission to look at XXXX XXXX abusive collection practice.
Product: Student loan

I 've contacted Navient the last 2-3 years in regards to XXXX late payments they have for XXXX different loans on my credit report. Oin XX/XX/XXXX my husband was injured and out of work I called Navient and filed for a unemployment deferement and was qualified. I was told then that it would be retro active and not affect my credit. I noticed my credit reports with equifax and experian are stating XXXX missed payments on XXXX different loans for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I have asked Navient several times to correct this mistake as I was in deferment but to no avail. I contacted them and asked them to send me a list of all deferments and forbearance that I had on all my loans per their document I was covered under deferment and forbearance and they will not remove. Between XXXX and Navient I have been harassed, threatened as well as my family and friends during XX/XX/XXXX-XX/XX/XXXX. I am disappointed on how I am treated by both companies I. The past.
Product: Credit card or prepaid card

I completed a XXXX percent balance transfer offer in XXXX with no issues. I did not make any charges from XXXX until XXXX. In XXXX, I used the same card again to make a large unexpected purchase. I planned on paying the charge off when I received the next statement to avoid interest. When the next credit card statement arrived, I found that I had already been charged {$95.00} dollars in interest. I was surprised and confused. I came to learn that I had already been charged 27 % APRthe cards interest rate on purchaseson the large charge that I'd made. Although the charge was only on the card for 29 days, essentially the interest started accruing from the first day of the charge. When I called customer service, the representative explained that once you have a balance transfer on the card, you lose the typical grace period. I was very upset because I did not know this. Had I known this, I would never have made the purchase using that particular credit card. The customer service rep told me that this information was in the fine print when I agreed to the balance transfer back in XXXX. This is no way to treat your customers. Theres the principle of the thing : If they were going to charge me, then it should be done knowingly, not because the credit card company caught me off guard. They need to make it VERY clear that you will lose your grace period if you make a charge with existing balance transfers. It should be relayed to the customer in concise and easy to understand language to prevent situations such as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

There are invalid inquiry entries on my credit reports that do not belong to me. I have contacted XXXX, Equifax and XXXX  on many occasions in effort to mitigate the misinformation. These inquiries are severely effecting that which would otherwise be considered good to excellent credit ratings. I am a business owner. it is my desire to obtain business credit but am hindered by this mishap. The inquiries must be removed immediately.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements under process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Product: Student loan

I have tried contacting both agencies but XXXX XXXX would not speak to me at all they kept placing me on hold and transferring me. Now I have a company named XXXX XXXX XXXX, formerly XXXX XXXX XXXX calling stating they are going to garnish my wages. My loans are in deferred payment status til XX/XX/2019 because I am presently in school. The strange thing is the amounts are almost identical and I know I have been to school for almost 75,000 dollars. I am trying to get financial assistance now because I'm in school and can't because it has me in default.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiry in Question : XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation.I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. This inquiry was made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiry.

Removal of Unauthorized Inquiry : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Vehicle loan or lease

We were not used to borrowing before we bought our car back in XXXX, so we had not built enough credit before we contacted Santander for part financing to buy our car. They offered a very high interest rate and refused to refinance to a lower rate even after our credit rating improved to between XXXX and XXXX. 
So Sometime in early part of XX/XX/XXXX, we contacted another auto finance company to refinance our car loan which we have had with Santander Consumer USA for 2years. 
The new auto finance company requested Santander Consumer USA to provide them with the amount of our auto loan balance to enable them pay it and take the loan over at a much lower rate. 
Santander Consumer USA provided them with an overstated loan balance than what we actually owed. 
As a result, in XX/XX/XXXX, the new auto loan company sent a check to Santander Consumer USA in the sum of the overstated loan balance they were provided by Santander. 
Santander Consumer USA then sent us an acknowledgement letter in XX/XX/XXXX of the payoff in settlement of our account with them, and they further explained in the letter that they will reconcile our account and send us a check for any overpayment difference by XXXX XX/XX/XXXX. 
We called them after the refund check wasn't sent as promised in XXXX. We were told it will be sent by XXXX. We called again when we didn't receive the check in XXXX. 
Its now mid XXXX and the check has still not been sent, which is why we are filing this complaint. 
To send official correspondence or checks even by USPS, it usually takes 5 working days to any location within the US. 
We believe Santander Consumer US is being dis-honest in this case and this may be their mode of operation to intentionally hold on to funds belonging to others, longer than they should, as a source of funds or cashflow to advance their business objectives, at the expense of consumers like us. 
We will appreciate your assistance to recover the sums owed us please. 
Kind Regards
Product: Checking or savings account

I filed 2 disputes with USAA Federal Savings Bank on my Checking Account : -The first dispute was with XXXX XXXX for {$230.00} that was billed as an annual membership fee for their movie program -The second dispute was with XXXX for {$170.00} that was billed as an annual membership fee for their dining plan Both of these companies have furloughed up to 90 % of their staff, closed all physical locations, and are unavailable via telephone, their website, or email due to the COVID-19. I tried to contact both of these companies through all of the previously listed methods but was unsuccessful. 

I received a response from USAA that they were declining my dispute and told me that I needed to contact the merchants, which I am unable to do because the companies are closed. When I contacted USAA Federal Savings Bank about the declined dispute, they stated that they had an internal policy that " superseded the regulations '' and would not be processing my dispute. They directed me to contact the merchant, which I explained was impossible because they were closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Now in the FCRA623 ( a ) prohibits a company from furnishing inaccurate information to a CRA. CKS XXXX is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. They are currently reporting twice on my XXXX  credit report which is a FCRA violation ( please see attached proof ), the have reinserted this account back on my XXXX  credit report without written notice, which is a FCRA violation. On my credit report, the account number changed from XXXX and XXXX, and XXXX now to account number XXXX in a matter of a couple of weeks. I didnt get a written notifications that this was changed or anything. They have also changed the portfolio status from one company, XXXX  XXXX XXXX XXXX  to now XXXX XXXX XXXX XXXX. Also see highlighted that the address had changed. Please attach the proof of inaccuracy when it comes to this account on my credit report. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on XXXX is showing its late 120 days with a balance in collection. The reporting again is inaccurate. 
XXXX  and XXXX was unable to properly verify that the reporting information on this account is correct. I know all three major bureaus falls under the FCRA guidelines. Please tell me how XXXX is different?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in questopn XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing to formally dispute and request an investigation into an inaccurate collection account reported by XXXX, XXXX, and TransUnion on my credit report. The account details are as follows : XXXX XXXX XXXX Balance Owed : {$360.00}
Product: Debt collection

I never agreed to a contract with your collection company. Prove that this account belongs on my credit report and that my rights haven't been violated, or terminate this account immediately. Under 15 U.S. Code 1692e ( 6 ), debt collectors must avoid false information or misleading statements about the nature, amount, or legal status of a debt. It's illegal to make deceptive claims or misrepresentations regarding the debt being collected.
Product: Money transfer, virtual currency, or money service

I am going through a divorce and the virtual currency has been discovered and now documents are going to be supeona. Can you help me understand and where to look to retrieve all the currencies and any transactions. The funds was hidden but they now have been found Any advice would help. Address is XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Started with XXXX breach in 2019! I was exposed, had my SSN stolen. XXXX then offers a complimentary 1 yr " Credit freeze '' That expired. 
XX/XX/2019 I have credit applications filed that I didn't make. I Put Freeze at all 3 Credit Bureas. And filed a FTC report Ref. # XXXX. 
That Report " Expired ''? The Experian Freeze " Expired " and is " Unlocked '' now,? 
I tried to re- lock with Experian and can not Online. But can with XXXX and XXXX. 
( although none of them tell you how long the freeze is )? 

So, I went online to 'Experian '' and with my email and SSN, only,! I was able to get into my account!! Remember in line 1 above, I stated my SSN was hacked? Yes indeed, It's easier to get into my Credit Bureau account, than it is to 'PUT a FREEZE '' on my credit, with Experian!! Unbelievable. 
Now I am getting more Credit card application notices from XXXX XXXX  and XXXX XXXX. I call them and they can not tell me where or who is filing these??