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

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XXXX : XX/XX/XXXX Subject : Dispute of Reinserted Information in My Credit Report I am writing to formally dispute the reinsertion of information previously deleted from my credit report. Upon reviewing my credit report, I have noticed that the following item ( s ), which were previously removed following a successful dispute, have been reinserted without proper notification and certification as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( C ). 

Account Information : XXXX XXXX XXXX # XXXX According to the FCRA : 1. Certification Requirement Before reinserted information can be placed back onto my credit report, the credit reporting agency is required to obtain certification from the furnisher that the information is accurate and complete. If such certification was not obtained, the reinsertion violates the FCRA.

2. Notification Obligation Under the law, the credit bureau is required to notify me within five business days of the reinsertion, providing details including the furnishers contact information and my right to dispute the item again. I did not receive any such notice, which is a direct violation of my rights under the FCRA.

3. Ongoing Dispute Rights I am exercising my right to dispute this reinserted information once again, and I request that you promptly reinvestigate and provide proper documentation verifying the accuracy of the reinserted data or remove it from my report immediately.

Please consider this letter as my formal dispute. Under the FCRA, you are required to investigate and respond within 30 days of receiving this notice. If the reinsertion is found to be unverifiable or inaccurate, I expect it to be removed immediately from my credit report. 

Additionally, I request that you remove the following unauthorized inquires : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If this matter is not resolved within the legally required timeframe, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and to explore any legal remedies available to me under the FCRA.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXX XXXXXXXX. This item was reflected as a late payment on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Debt collection

So far, they keep calling me without any answer, when you call back it goes to XXXX XXXX saying i owe them money **secure** ( i have 2 credit cards and neither are in financial trouble and are well maintained and as far as im aware my idenity is still secure. ) **secure** The person on the phone then says they need my address, im not giving my address to them i respond, they say ok, place of employment, again not giving that out, ok then you NEED to give us your social security number or were going to call the police and bring you to court on counts of fraud. I took their bluff and said your violation a government agreement, he simply started yelling that with your outstanding debts your rights are going to be revoked if i do not get this information. I promptly hung up after the conversation and im still not arrested, so far they called me twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : The Consumer Financial Protection Bureau, I would like to submit this complaint regarding a charge off for an equity line of formerly held by XXXX XXXX. This loan was valued at approximately {$49000.00} when I was affected by the natural or declared disaster known as hurricane Irma. I then contacted XXXX XXXX  for advice and was informed that I was eligible for a mortgage assistance program due to the affects of hurricane Irma. XXXX XXXX  mailed me the application for mortgage assistance, and I completed the application and faxed it back to them. I received a letter from XXXX XXXX  stating that my application for mortgage assistance was complete and they received it on XX/XX/XXXX. This letter stated that because XXXX XXXX  received my completed application, certain foreclosure protections would apply. The letter also stated that Foreclosure activity will cease and that they would not make the first notice or filing, whichever is applicable, while my complete application is being evaluated. 
On XX/XX/XXXX, I received a letter stating that due to a recent internal business change I was reassigned to The Homeowner Support Team to assist as my Homeowner Support Specialist. I was not aware that at this time they were already reporting to the credit bureaus that my loan was charged off as of XX/XX/XXXX. XXXX XXXX  was also reporting to the credit bureaus that my account was late as of XX/XX/XXXX in the amount of 120 days past due up to XX/XX/XXXX when they reported that I was 180 days past due. I faxed XXXX XXXX  a letter stating that an error had been made regarding my loan and that it was being reported as a charge off to all three major credit agencies Equifax, XXXX, and XXXX. I have uploaded proof of correspondence with XXXX XXXX  relating to the Mortgage assistance program as well as receipts from XXXX XXXX proving that I have been paying {$500.00} per month since XX/XX/XXXX. I would like for this Charge Off from XXXX XXXX  to be removed from my credit report with all three agencies Equifax, XXXX, and XXXX. 

Thank you XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a police report on XX/XX/XXXX, to remove the inquires from my credit report. I sent documentations to Equifax and they didn't remove them, I also provided a police report as well. They refused to remove the inquires. Please review the inquires that needs to be removed as follow : XXXX XXXX XXXX Inquiry : 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 Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : 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  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 Inquiry : XXXX XXXX, XXXX AXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX 

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

Experian, XXXX XXXX XXXX are in violation According to 15 U.S. Code 1681a - Definitions ; rules of construction states Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. The following accounts are in violations for reporting such information without consent. XXXX XXXXXXXX Bank Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX & XXXX, XXXX XXXX XXXX Acct # XXXX
Product: Checking or savings account

On XX/XX/year> I noticed a fraudulent charge on my checking account for two Southwest plane tickets for {$450.00} each, totaling {$900.00}. I immediately notified Chase Bank and explained to them that I was out of the country and did not make that purchase. I also contacted Southwest Airlines who could not find any flight information with my personal information regarding the purchases above. Chase initially reimbursed me the fraudulent amount while they did their investigation. Chase did their investigation and reported to me that they have evidence that I did purchase those flight tickets and they have evidence I boarded the flight and removed the {$900.00} from my account. They did not allow me any chance to show them proof I was out of the country at the time this flight was boarded. I requested the information they received from Southwest and when I received the information it was clearly two individuals with completely different names as myself who fraudulently purchased those tickets and boarded the flight. A government issued ID must be shown when boarding flights and these two individuals do not share any names with me. I do not understand why Chase believes I boarded this flight. I called Chase after receiving this information. Per Chase they need evidence that I was out of the country and that they may reopen the fraudulent dispute case. I explained to them that the names on the plane tickets do not match my name and I have already filed a police report against the individuals who made the fraudulent purchase with my debit card. I have also submitted a complaint with Southwest Airlines regarding this fraudulent charge. Chase continues to be be difficult and are refusing to refund me the {$900.00}.
Product: Credit card or prepaid card

was offered 0 % finance for a 5 % fee. Wrote the check and was posted to account on time Statement came made payment way before do but didn't see interest charge. next month statement show interest again, called and they said they would look into it. Paid the fee and a small amount more on time. no results, next month more interest called again and they said I should be charged but would take time. called again and they would look into it. the fourth month I completely paid total pay off due to exit the agreement and be done. Yet still got interest only charge and I didn't even have a balance after pay off. I never paid it. Paid fee and entered an arrangement, got charge for the interest paid anyway and then paid it off and they still charged me after I was paid off yet more interest. was early on payment or never late. Have many other cards never had this happen in 35 years
Product: Credit card or prepaid card

I tried to apply for a credit card with Synchrony XXXX to purchase appliances for a home renovation project. The application was misleading and confusing. We own the home we are renovating, but currently rent another home. I put that we own a home and listed my current residence as our address. My husband and I both have credit in the high 700s, so I can only think that the address problem was why we were denied credit. 

When I called to try to resolve the problem, Synchrony could not advise me on how to properly apply given our situation. I was advised to just keep trying until it goes through. I don't want a bunch of hard pulls and declines on my credit report, so this really isn't a solution. Synchrony should have a clear and non-misleading application. Given that this a home improvement product, there must be other consumers in the situation of owning a home and renting elsewhere. This should not lead to a credit rejection.
Product: Debt collection

I need Bonded business ltd to explain why they are not removing this erroneous debt. As per their first CFPB response to my complaint on XX/XX/XXXX, they initially sent a validation notice to XXXX Wyoming in XX/XX/XXXX. I have NEVER been associated with that state therefore I have never received it. In their second response on XX/XX/XXXX, they sent the validation letter to my previous address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX five months after I moved XXXX. Why would you send a validation letter to an address that you KNOW I don't live in anymore? No forwarding mail, emails or calls were sent to my home address. My forwarding address at the time was XXXX XXXX XXXX XXXX XXXXXXXX XXXX, with my number being XXXX. This was my address since I purchased the home in XX/XX/XXXX until it was sold on XX/XX/XXXX, even tho I served in XXXX XXXX, XXXX from XX/XX/XXXX-XX/XX/XXXX. I left this information with apartment manager XXXX and the receptionist of the XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX After months of waiting AND calling the office, I was told my deposit check had been mailed although I never received it. I need a copy of the letter that Bonded claimed they initially mailed to XX/XX/XXXX, then XX/XX/XXXX along with a log of the attempted phone calls preferably time stamped. My phone number has not changed in over 10 years. This company is not legally permitted to collect in XX/XX/XXXX. This company is reporting a debt on my credit report that another company has. The other company, nationwide recovery, could NOT provide information on my account and stated that they are not listing this on my credit report. They could not even verify my account or validate charges. This is my last attempt to have Bonded and XXXX remove this debt. If no compliance is made within a timely manner, I will sue for damages. I have military orders sending me to XXXX XXXX, XX/XX/XXXX in XXXX of XXXX. XXXX XXXX XXXX   XXXX XXXX had my forwarding address and phone number on file. BONDED BUSINESS HAS CLEARLY LISTED THS DEBT ILLEGALLY WITH NO VALIDATION. If this is not resolved in the time it takes them to respond to this complaint, they will be hearing from my lawyer. I will use the money they have illegally listed as debt to sue them ASAP. I will also be sending a copy of all correspondence to the office of XX/XX/XXXX Attorney General XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have asked a 3 bureaus to fix the inaccurate info on my credit reports last 3 months i have submitted claims about the XXXX XXXXXXXX  credit card account on my file it is still being reported as a charge off of {$90.00} and it is showing paid and that i still owe. 

my account became late due to XXXX and i requested it be closed the card issuer did not and i became sick and XXXX and the late just kepted adding on i contacted XXXX XXXX  and paid balance they said i owed they said it would be corrected on there end..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I was mislead by PayPal Credit and forced to pay unnecessary interest. The paypal credit line of credit allows you to make purchases online using the paypal service and your line of credit which gives you a promotional period of 0 % APR for 6 months. If paid in full in 6 months there is no deferred interest, if not, the deferred interest is added to your account for the whole 6 months prior. The monthly statement, in bold letters includes a number that appears to be the amount to pay to avoid paying any interest, however it is really including promotional balances that have expired. this is very misleading, and caused me to miss the deadline to payoff some promotional balances. The misleading statement caused me to pay {$120.00} in deferred interest that I would have avoided if the statement had simply stated how much was due for promotional deferred interest and when it needed to be paid. 

Additionally, PayPal Credit has just out of the blue changed their terms for my line of credit. I don't really care about them making there be a minimum payment as much as changing the interest rate from an already high 19.9 % APR to now 25.9 % APR!!! That is absurd?! They raised the interest rate for no reason by 6 % APR. Considering prime rates have risen less than 1 % in the time this account has been opened a 6 % rate hike is excessive and a unfair to consumers.
Product: Credit reporting or other personal consumer reports

There was a dispute entered on XX/XX/2023. The results came back as the XXXX account balance being decreased and closed. As a result the credit score dropped. The credit should not have dripped based off the XXXX student loan being decreased and closed. A relresentive dejected this information after I questioned why the credit score dropped based of the XXXX XXXX XXXX. The representative also replaced this information with placing dispirited as modified without my permission or knowledge. I demand the credit to go back to the original score. Deleting information off the credit should be noticed and action shiujd be taken.
Product: Money transfer, virtual currency, or money service

I deposited a pay check the amount of {$770.00} from my employer at citibank on XX/XX/year>24 and until now my check still under review and Ive already spoken with my employer and my employer said that theres nothing wrong with the check and I called my bank for a specific reason why my check is been under review for more than 48 hours but they couldnt give me a specific answer
Product: Debt collection

I want to clarify that I canceled my membership with XXXX XXXX on XX/XX/2023, both at the front desk and through email correspondence with the XXXX support team at XXXX, following the instructions provided by the XXXX staff. Enclosed with this letter, you will find copies of the relevant email communication that validates my cancellation. The email clearly shows that I followed the appropriate procedures to cancel my membership. 

Furthermore, I continued to be charged despite the cancellation of my XXXX XXXX membership, as outlined in the attached documents. These unauthorized charges are not in accordance with the terms of the contract and further substantiate the invalidity of the alleged debt. 

As such, this alleged debt is invalid, and I demand that you cease all attempts to include it on my credit report. Pursuing the reporting of a debt without proper validation and evidence of its legitimacy is a violation of the FDCPA, specifically, sections 807 ( 8 ) and 809 ( b ), which state that a credit reporting agency must ensure the accuracy of the information it reports. 

Moreover, I believe this debt collection attempt is a clear act of retaliation for a negative review I left on XXXX for XXXX XXXX. I want to remind you that retaliating against a consumer for exercising their right to leave a review is not only unethical but also illegal under the FDCPA, section 806, and potentially violates state laws as well. 

I kindly request that you conduct a thorough investigation into this matter and, upon verification of the inaccuracies, promptly update my credit report. As per the Fair Credit Reporting Act ( FCRA ), I expect this investigation to be completed within 30 days. 

Enclosed, please find copies of the following documents for your review : Original Contract Email Sent for Membership Cancellation ( XX/XX/2023 ) Unauthorized Charges Documentation I appreciate your prompt attention to this matter. If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. Thank you for your cooperation in resolving this dispute. 

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

I filed two disputes with Experian ( XXXX & XX/XX/XXXX ) due to double-counting of my student loans. Experian did not correct the balances both times. 

In XX/XX/XXXX my student loans ( ~ {$33000.00} total ) were transferred from XXXXDept. of Education to XXXX. The loan amounts for XXXX should be {$0.00}, and those amounts should be under XXXX now. However, Experian has kept the previous balances open for XXXX despite multiple disputes and supporting documentation. My credit report now says I have roughly {$66000.00} in student loans ( double-counted ). 

Please see the attached files which show : XXXX. XXXX balances for ALL XXXX loans XXXX. Experian credit report showing double-counted loans ( starts on page XXXX ) XXXX. XXXX correct balances XXXX. Multiple disputes with no resolution filed on Experian.com
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed Credence Resource management a letter, by certified and return receipt mail, stating they need to give me the full audit trail on the account they are reporting negatively on my account. 

I HAVE NOT given permission to any person, any debt collector, and/or any creditor for the release of my information to a third party. They keep calling me even though I have told them to stop calling me. Credence has not responded to my letter. 

I do not want a letter saying they can not verify who I am. I've already included my name, address, and the account number for this derogatory account.
Product: Credit card or prepaid card

I would like to report Predatory lending against US Bank and file a complaint against US Bank Credit Card XXXX plan. I am a current US Bank credit holder and signed up for extend pay plan in error XX/XX/2022. I immediately contacted the bank the next day to cancel plan and could not receive any assistance. US Bank XXXX is a deceptive plan set up to harm consumers and cause additional debt. US Bank XXXX does not allow consumers the option to cancel or make affordable flexible payments. I have made several attempts to resolve this issue with customer service and also visited US Bank branch to receive assistance. I can't afford the monthly payments of {$700.00} and $ 800 monthly payments in additional to all the other fees associated. I would like my XXXX plan to be canceled and make regular monthly payments.
Product: Checking or savings account

XX/XX/2022 I go to Wells Fargo Bank XXXX XXXX, TX, and fill up a Wire Transfer Request in order that the bank send my funds in my Check account to my bank in XXXX. 
XX/XX/2022 The manager of the fore-mentioned bank phones and says my fundds will be sent in a check to my adress in XXXX XXXX XXXX 
XX/XX/2022 To date there has been no confirmation of the promised action. The manager of the bank does not answer my phone calls nor my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things in my credit report. To this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and my have gotten into the hands of the wrong person.