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

XXXX ( XXXX ) XXXX  XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX ( XXXX XXXX CHILDSUPPORT IS NOT CONSUMER TRANSACTION NOR IS IT A INSTALLMENT LOAN ( XXXX ) XXXX  XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of inaccurate and incomplete information on my credit report, as you have failed to properly update or remove the disputed information as required under the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to resolve this issue Despite these requirements, Experian has failed to address this matter adequately. At this point, your repeated inaction not only undermines my confidence in the credit reporting system but also continues to negatively impact my financial standing and opportunities. 
Experian is in a unique position of trust and responsibility. Consumers like me rely on your organization to maintain the integrity and accuracy of the information you report. When that trust is broken, the harm is not just financialits deeply personal. I should not have to beg for fairness and accuracy in handling my own data. 

This situation is not complicated : the information I have disputed is unverifiable, incomplete, and inaccurate. Doing the right thing means ensuring that such information is removed from my credit report. The law supports this action, but more importantly, it is simply the ethical thing to do. 

Given that Experian has not taken the necessary steps to verify or correct the disputed information, I am now demanding the deletions of all referenced accounts immediately. This is not only my right under the FCRA, but also your obligation as a credit reporting agency to ensure the accuracy and fairness of the information you maintain. 

Failure to Comply with FCRA Obligations Under 15 U.S.C. 1681i ( a ), you are required to conduct a proper reinvestigations of disputed information within 30 days and either verify, correct, or delete information that is inaccurate, incomplete, or unverifiable. Experian has failed to meet these obligations, leaving me no choice but to escalate this matter. 

Demand for Resolution I am demanding the immediate deletion of the disputed accounts from my credit report. If Experian does not comply with this request, I will be forced to pursue legal action in state or federal court and escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) as a separate complaint. 

Please understand that this is not a request for further investigation or reviewI have already given Experian ample opportunity to resolve this matter properly. This is a final demand for action.
Product: Debt collection

Account Name : XXXX/FORTIVA Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$0.00} Reason : Identity theft Please remove it from my Credit Report.
Product: Bank account or service

( 1 ) An online bank called Synchrony Bank based in New Jersey distributed two months ( XXXX and XXXX in XXXX ) from my IRA CD account based on my XXXX distribution instructions that should have been stopped end of XXXX. They refused to backtrack the accounting entries after making me send them instruction to stop these unauthorized payments. 

( 2 ) Then in XXXX of XXXX I sent them instructions to distribute at end of XXXX a certain sum. They immediately distributed it. On complaint they reversed the entries although not exactly. 

( 3 ) Then on XXXX XXXX, XXXX when I inquired if my distribution instructions will be executed on XXXX XXXX, XXXX. They said they will not comply because there is no wiggle room if an error is made in scheduling the distribution. Hence they will inform me of another date in XXXX when this can be done safely.
Product: Credit card or prepaid card

I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Pnc wont allow me to connect to applications
Product: Debt collection

The debt collector didn't provide me with a validation notice letter, but has been reporting it on my credit file since XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to " XXXX.XXXX '' to view my credit reports and found some wrong data on all 3 of them. Each company had information claiming I could dispute or correct it from that site, which was a complete lie. All 3 so-called dispute processes were a dead end to nowhere. Each one required me to set up a user account but when I checked their " limited membership '' box so I wouldn't get bombarded with e-mail XXXX from them, I was NOT allowed to continue with the dispute. Another one simply had me click on the same buttons " start '', set up an account, then click " continue '' which sent me back to the start button. EXTREME frustration with their constant XXXX. These BOGUS companies are allowed to publish false data and consumers have NO RECOURSE. Such SLANDER is unprofessional and should be ILLEGAL.
Product: Checking or savings account

I ordered clothes online through my PayPal account which is debited from my checking account and I filed a case with PayPal on XX/XX/year>. They closed the case on XX/XX/year> in the Sellers favor after I submitted the necessary documents to show that I returned the merchandise and that they would not issue a refund after the merchandise was misrepresented.
Product: Debt collection

This company is listed on my credit report as a debt. This is not my account.
Product: Credit card or prepaid card

Capital One charged an annual fee but never sent me the bill. Then charged late fees and reported me as late pay to the credit bureaus. With the late fees they then sent the bill. 
I talked with them, paid the annual fee and they waived all the other charges. The account is in good standing. XXXX XXXX said they would report back to the credit bureaus to have the comment they put on reversed and it was their error. 
This has not been done. They were at fault and now they have damaged my credit rating.
Product: Credit reporting

I CALLED AND SPOKE WITH A REPRESENTATIVE FROM XXXX XXXX XXXX, XXXX XXXX, AND XXXX TO DISCUSS THE ( XXXX ) 30 DAY LATE REPORTED TO THE ( XXXX ) CREDIT BUREAUS. I WAS OFFERED A PAY AND DELETE AFTER FULL BALANCE WAS PAID OFF FROM THE XXXX XXXX. XXXX STATED THEY WOULD TAKE CARE OF IT AFTER REVIEWING MY HISTORY OF SEVERAL YEARS IN GOOD STANDING. XXXX XXXX OFFERED TO DELETE AFTER EXPLAINING THE XXXX THAT CAUSED THE LATE. I CONTACTED BOTH COMPANIES AFTER PAYOFF AND THEY STATED THERE WERE NO NOTES OF ANY CONVERSATION AND DID NOT REMOVE NEGATIVE REPORTING.SEVERALH UNSUCCESSFUL DISPUTES WERE MADE THROUGHOUT THE YEARS. I REQUESTED INFORMATION OF CONTACT PERSONS THAT I PROVIDED WITH NAMES, DATES, AND TIMES I SPOKE TO EACH COMPANY REPRESENTATIVES. THE CREDIT BUREAU NEVER REPLIED WITH ANY RESPONSE TO THE CONTACT PERSON AND HAVE DISREGARDED ALL REQUESTS MADE CONCERNING MY ISSUES. I DO N'T THINK THE CREDIT BUREAUS INVESTIGATED THE CONTACTS THAT I PROVIDED. THEY INFORMED ME THEY DO NOT GIVE CONTACT NAMES TO CONSUMERS AND THEY WOULD SUBMIT THE DISPUTE INFORMATION ELECTRONICALLY. THE BUREAUS HAVE FAILED TO REMOVE OR DELETE THESE ACCOUNTS. PLEASE HELP ME IN CORRECTING THESE ISSUES.
Product: Credit card or prepaid card

On  XXXX   XXXX ,    2017, I pu rchase d 2 American Express gift c ards for {$25.00} each. I was aware that bank gift cards usually have a fee attached to them but the packaging of the gift card clearly spelled out " no fee charged. '' The next day I looked at the receipt I had for the Gift cards that were purchased at our local  XXXX  store and noticed a n Am E x fee of {$3.00} charged per card. I called  American Express  customer contact number and told the company rep the problem. He informed me that the charge was for the plastic card itself and not a fee. My complaint is that the price for the card is not clearly stated on the packaging as is the clearly stated " no fee charge. '' I feel this to be a deceptive practice. Prices of any product you wish to purchase are clearly stated on the product 's packaging.   I as an average consumer was not properly informed about the true cost of the product I purchased. It is fine with me  if American Express is going to c harge for the plastic but let me know clearly up front so I am aware of the cost.
Product: Checking or savings account

On XX/XX/2021 I paid {$850.00} to a company called XXXX XXXX XXXX aka XXXX  XXXX  XXXX. They were supposed to produce a website for me and failed to do so. I requested a full refund in which I never received. I have called the company multiple times with no return call back. Terrible service and I feel scammed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XX/XX/year> Experian, XXXX XXXX XXXX XXXX XXXX Information on Credit Report Dear Consumer Financial Protection Bureau I am writing to formally dispute an inaccuracy on my credit report. Upon reviewing my report, I noticed incorrect information regarding my student loan account with the U.S. Department of EducationXXXX XXXX 

The specific inaccuracy is as follows : Balance Discrepancy : The original balance of my loan is reported as {$33000.00}, yet the current balance is reported as {$35000.00}. Since I have made timely payments and there is no record of delinquency, the balance should have decreased, not increased.

This error is misleading and negatively affects my credit profile. I kindly request that you investigate this matter and correct the inaccurate balance on my report. Enclosed, I have provided a copy of my credit report with the incorrect information highlighted.

Please conduct a thorough review and provide a written response confirming the resolution of this dispute. If the information can not be verified, I request that it be removed from my credit file per the Fair Credit Reporting Act ( FCRA ).

Thank you for your prompt attention to this matter. Please contact me at XXXX if additional information is needed. 

Sincerely, XXXX XXXX
Product: Mortgage

Drexel Mortgage company made several promises to me about my loan process, none of which they kept. Moreover, I was slammed with a {$6800.00} fee just before closing that I was never aware of, nor did I agree to pay. I was told that the " HUD '' contains information provided by my Broker ( who did n't show up to closing ) and all terms were discussed and agreed upon before submitting to the lender. This was absolutely not true!! I never received any information regarding such a high fee. Given the exorbitant amount and the lack of service ( ignored calls, texts, and email ; delaying process by not following up with lender about requirements in a timely fashion, etc. ) received, I would have shopped around for a better rate and company ; but only finding out about this fee the day before our first scheduled closing ( which was two weeks before actual closing ) and after waiting months to secure funding I was promised would take three weeks, I was stuck. 

The lender would n't refund the payment they already had issued through my mortgage and said that I should 've been issued a GFE from Drexel, which of course, I never received ; and that any issues would need to be taken up with the Broker. 

I reached out with a compromised rate and the President responded with a lower value, as if he did nothing wrong and was doing ME a favor. He has yet to respond to my second message. Having also been paid by the bank for the loan, I am seeking the full amount refunded, plus the 8.24 % interest I had to pay on this fee. The {$2300.00} or so they received from the lender more than adequately compensates Drexel for their horrible service and deceptive practices!!
Product: Credit reporting or other personal consumer reports

CREDENCE RESOURCE MANAGE is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting block inaccurate information that may be the result of identity theft. On numerous occasions CREDENCE RESOURCE MANAGE was informed THE FOLLOWING account information being FURNISHED to CREDENCE RESOURCE MANAGE and reported by CREDENCE RESOURCE MANAGE is in fact inaccurate and they continue to report. CREDENCE RESOURCE MANAGE is using the color of Law to publicize and report inaccurate and private information that has resulted from it's own ACTS of FRAUD and IDENTITY THEFT as defined by XXXX XXXX XXXX ( a ) ( q ) regarding the following accounts ( include accounts ) In addition, CREDENCE RESOURCE MANAGE was also informed above mentioned accounts are involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The only address that should be attached to my consumer file is XXXX XXXX XXXX XXXX XXXX XXXX There should be no HARD inquiries. My file contains the following unauthorized inquiries that must be removed pursuant to FCRA. Collection and XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I informed Experian that I have been a victim of identity theft. I followed the law under 605B FCRA. I sent in my report to show what items to remove. THey refuse to remove them. I ask them to give me the name of the person they spoke with they tell me they ran my name through an unknown system. the system is inaccurate. I asked them to remove the information. I send certified letters every time and they continue to have this information on my consumer report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 I informed Experian that I have been a victim of identity theft. I followed the law under 605B FCRA. I sent in my report to speak with them again via phone and they still refuse to remove this inaccurate information. I sent in an affidavit/ report everything and they refuse to follow the law. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Call Experian to file a complaint telling them they have yet to block the information they told me they do not have to follow the FCRA 605B. I told them they're violating my rights and effecting my consumer report. I informed them that I invoked my rights as a consumer and I am  demanding they follow the law ( NO RESULTS ) XX/XX/2020 Called again they have the same address on my report that i have NEVER lived at before. They have inaccurate information and I have requested them to have remove several times ad they still will not block the items. the representative informed me to contact someone else because they again " Do not have to follow the law '' they have their own policies in place. which is incorrect information.
Product: Debt collection

I did not open this account and recieved a letter on XX/XX/year> owing a debt that is not mine. This is an identity theft issue. I have never opened a wireless account before in my life. I have contacted XXXX and was told to go to XXXX submit the problem. This was done previous years.
Product: Credit reporting

There is a collection item from Doctor 's Business Bureau - XXXX for {$220.00} from XXXX/XXXX/14 on my Equifax report but I do not recognize this collection item or have an record of this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are mailable addresses that are not accurate on my credit report that I did not give anyone the consent to add information on. The address that should be on file is the one that i publicly live at, which is public information so where are you getting your information from? Why is it incorrect on my credit report? This is identity theft because not only is this stuff incorrect but you didnt get my consent to put this on my credit report or reach out to see if it was correct that would have been the honarable thing to do.
Product: Mortgage

Hi my name is  XXXX   XXXX , I have a complaint to write about my banks with my home loan. My current ban k Wells Fargo Ba nk has received my full Request for Loan Modification packet that I sent in recentl y. Wells Fargo B ank admits they have received t he Request for Loan Modification  packet but they still have put my home for foreclosure sale which is scheduled for  XXXX  -2017. I do nt know why they are posting my home if they have a compl ete Request for Loan Modification  packet. How am I supposed to deal with this now they are saying its too close to the sale date to do anything.   I originally had my loan started with  XXXX   XXXX    XXXX   I used to pay all the time and on time around {$1100.00} per month for my mortgage until the recession hit and I was affected very badly by it. I lost a very big amount of income and could not pay the loan. After some time I got back on my feet and could actually pay. When this time come my loan mortgage was changed to Wachovia Bank. Wachovia Bank was asking me to pay a monthly amount of around {$1800.00}. This was much higher then what I could not pay in the beginning. After some time has passed I was notified that my loan was again changed  to Wells Fargo Bank. This Wells Fargo is now my current bank. Wells Fargo Bank is now asking me to pay {$2400.00} per month for my loan. How is this possible? I can   not afford this amount what can I do to get a payment amount that I used to have. Ive tried but had no luck. Ive sent  the Wells Fargo Bank all my documents a full RMA packet but t hey are saying I dont have enough time to be reviewed.
Product: Bank account or service

For a second time, Suntrust bank has decided arbitrarily when to consider charges 'posted ' and by doing so overnight, charged their litany of fees simply because I did not have time to transfer money to cover it between the hours of XXXX and XXXX. Clearly their intent is to grab as much money as possible, but I will not stand for this theft. They need to either make their posting times consistent ( and have a way to see ALL pending charges ) or they need to cut these ludicrous fees which help no one but their own bottom line. 
Additionally, they charge a fee for transferring money from a savings account to cover overdraft ... which consequently leads to a greater overdraft and further fees. This is intentionally convoluted and complex so that customers do not have an opportunity to avoid these charges.
Product: Checking or savings account

I have submitted a transfer of asset request on XX/XX/year>, requesting that Optum Financial transfer all cash into my XXXX XXXX account. 

I called Optum Financial on XX/XX/year>XXXX  requesting that they provide me with a status of my request. The representative either did not have access in their system, or knowledge of how to provide me with an update. The request has still not been processed.
Product: Debt collection

Received collections letters & phone calls from Revenue Enterprises regarding debt that was already paid for by my health insurance.
Product: Debt collection

not original creditor account already has being move once for inaccurate information by a different company my credit score has drop over 40 points
Product: Debt collection

I received a letter concerning a debt with XXXX usa . This account was previously sent to another collection agency to which the debt was disputed as well. Now, the disputed debt has been reported to this agency who is also trying to collect. I have requested validation of the debt as required by law and it has not been received. Additionally this debt has now been credit reported despite the written request for validation, and does not report as in dispute in violation of law. The letter that was sent dated XXXX requesting the validation is attached.