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

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

I have an old account on my credit report showing inaccurately from XXXXXXXX  the account was closed and paid as agreed it would be removed of my credit report once I paid the account they closed the card and put charge off on my credit report however this account is statute of limitations and should be removed it is over 7 year any way please help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian on XX/XX/21 promptly at XXXX XXXX central time to discuss the discrepancies about the membership fee. She still could not give me a direct answer on why I am being charged {$32.00} from XXXX a month. Also, to discuss the disputes which I was given another number to take care of the issue and still did not get anywhere.
Product: Credit card or prepaid card

Chase credit cards. I had 2 credit cards with Chase. I went online to Chase 's website on XX/XX/XXXX, and paid off the entire balance on both. My balance showed XXXX. One of them was almost {$2000.00} and the other card was approximately {$2300.00}. Whatever the balance on both of them was, I paid them both off in full. A while later on my Chase freedom card, I have a late fee of {$30.00} approximately. I found this out on XXXX XXXX. I called them up, and told them about this issue and that I had paid off in full the balance on XX/XX/XXXX. They said it was interest fees. I did not agree, but paid it, because I do not want my credit score hurt. Them reporting this " late '' fee with was not even supposedly due yet to the credit reporting bureau cost me 23 points. Now today I noticed on XXXX XXXX, they said I owed the {$12.00} and my score dropped 55 points. I do not understand how I paid them on their website online the entire balance off on both cards, and them saying I owe them interest fees that are late when the day I paid them off, it said I was paying off the entire balance. A few days prior to me paying them off I made {$150.00} payments to both credit cards, which was more then the minimum balance. I called and tried to figure it out, and they keep calling the {$12.00} and {$30.00} interest fees even after the balance was paid off in full. Their dishonesty, and lack of help cost me almost 100 points on my credit score. ( These credit cards are in myaiden name XXXX XXXX )
Product: Vehicle loan or lease

I have asked both XXXX and Toyota Motor to remove these fraudulent inquires to no avail.
Product: Checking or savings account

I have tried opening a bank account and Ive got denied due to early warning systems so I contacted them to dispute the inaccurate information off my file and they have yet to start an investigation to get proof of the negative accounts that they are reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a Bankruptcy on my credit report i have written to the bureau for the past 3 years i call them on the phone 2 dozen times i wrote to the XXXX district Court about a Bankruptcy that both Experian and XXXX  have been reporting in Accurately on my Bureau the court sent me a letter indicating that they DID NOT AND DO NOT report to any Credit Bureaus i sent these letters to the Bureaus and they say that they have verify this as a accurate item reported by the court so I went to the XXXX District court with my ID and they said to me that we don't have a BANKRUPTCY in my name they then told me that the Bureau gets this information from XXXX XXXX i contacted them by phone and in writing they have never responded by phone or mail so i sent a letter to the Bureau explaining that they show me their Method of Verification they responded that the info was verified by XXXX XXXX i asked them then why isn't XXXX XXXX showing on my credit report they said that i should contact them bottom line is they don't give a XXXX about me and my credit and how this effects my life so i have spoken with a attorney he said that i should fit a complaint with you so i am complain that these Bureaus are ignoring the Fair Credit act and have no fear of your organization the attorney general or the federal Trade commission so I am asking for your help in this matter if they have verified this then i have a right to know who they verified this information with NAME EMAIL PHONE NUMBER etc.
Product: Debt collection

Received call from NPAS from XXXX ( XXXX XXXX XXXX claiming they represent XXXX XXXX   Hospital to collect a medical debt. I ask for verification and validation and attendant became very abusive and interrupting, belligerent behahavior
Product: Debt collection

Ras Lavrar , LLC filed a lawsuit against me on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not inform me that they had this debt in their hands and went straight to filing a lawsuit. On top of that, I found out about the lawsuit through other attorneys sending me advertisements mail asking me if I needed help for a lawsuit filed against me. I took this seriously because I received so many of them, and checked the XXXX XXXX system and saw that there was a lawsuit. I called XXXX directly and that is when they informed me of this and this was with Ras Lavrar , LLC. The attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the ones responsible for this. I did not get the opportunity to validate the debt and had to confirm with XXXX XXXX directly after a lawsuit was filed. They also did not try to resolve this with me but instead used the legal system to intimidate me. In addition, to not notify me of what was happening in the hopes they could get an unjust default to win their case against me by me not knowing about the lawsuit. I researched and saw they have a history of just filing lawsuits against people.
Product: Mortgage

Wells Fargo Mort has yet to provide me the Notary book sign or any proof from the state of secretary of state of California notary. There has not been no such document from the state by Wells Fargo Mortgage as proof I sign and that my signature appears in the notary book with my signature.

As stated before the California All Purpose Certificate was never given to me or presented to me by Wells Fargo Mort.

Its been nothing but the run around 1 lie after another same old letter were working on the matter I been getting for year and half now. This is no more than fraud and Wells Fargo mortg.

Wells fargo Mort. does not send documents requested it's always things you don't ask for. Wells fargo sent last time half in XXXX writing. It's nothing but games with wells fargo when it comes to the documents and providing proof of what's ask for. It seems Wells fargo has a bunch of class a dummies that cant read or understand what's requested. I understand wells fargo employees are no more than deceit and lack of morals when asking for the documents. Stop sending things or trying to justify things of documents with no proof from the Sec of state.
Product: Money transfer, virtual currency, or money service

AFTER AND SEPARATELY from XXXX Venmo FALSELY CLAIMS THEY REFUNDED {$120.00} to another party. THIS IS FALSE. Neither i nor the other person received that money. Venmo simply set my balance to XXXX, thst is they TRANSFERRED {$120.00} FROM MY ACCOUNT TO THEMSELVES. 

Previously they acknowledged I had a {$120.00} balance but refused to give it to me unless I gave them my BANK ACCOUNT AND SOCIAL SECURITY INFORMATION. VENMO NOW HAS OUTRIGHT STOLEN THE FULL AMOUNT OF MY VENMO BALANCE
Product: Credit card or prepaid card

I have been a long-time American Express card holder with an exemplary credit standing. 

I have two cards that earn Membership Rewards. In January, I made some large catering purchases which earned me Membership Rewards points, and made full payment soon after. 

Today ( XX/XX/XXXX), I tried redeeming some of my Membership Rewards points, only to see this on the screen when I tried to submit : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' What's critical, is that these points were Available points, which by American Express 's Terms and Conditions, mean they are fully available for me to use. In fact, American Express has a pre-Available status for points called Pending, where they are presumably reviewed and held prior to being Available, thereby proving Available points actually are available points. 

I contacted via chat Amex today to ask for a status or know when I could use the points I earned and was entitled to use, and both the initial agent and the supervisor refused to provide me with any information or escalate this matter internally. The supervisor even confirmed there was nothing unusual with my account that he could see that would warrant an inability to use the points I earned. 

** I am asking for American Express to expedite and complete within 7 days any " review '' of my Membership Rewards points, and make the points that were earned and are Available, actually available so I can transfer them to a hotel partner. If I don't have all the Available points today actually available at that time, Amex should be investigated for refusing to run and honor their reward program as advertised.. 

Because of the 30 minutes I've invested in chatting with two Amex representatives, I refuse to waste any more of my time since it is clear the company is structurally unresponsive -- plus there is nothing I can add to any discussion, as Amex has already reviewed and has full access to my accounts anyway. 

I could have used a card with a competitor of Amex who has a similar reward program and honestly provides points to be used without this shady " review '' Amex is apparently randomly doing to prevent points from being used as a customer has earned -- especially once those points have already passed a lengthy review process and are in fact showing as Available.
Product: Debt collection

XXXX is reporting a debt that was paid. 
CREDITOR INFO AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX ACCOUNT TYPE Collection Account DATE OPENED XX/XX/2018 BALANCE {$0.00} ORIGINAL CREDITOR XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an FTC report for all the documents listed on my report that I blieve are fraud due to multiple data breaches where my information has been exposed. I sent a copy of the report to TransUnion, XXXX, and XXXX  and they have not responded to the disputes within thirty days and they have not taken these fraudulent items off my report
Product: Debt collection

I have a USAA charged off that 's being reports monthly to my credit report.
Product: Checking or savings account

Subject : Formal Complaint Against Navy Federal for Retaliation and Unjust Account Restrictions Navy Federal, I am submitting this formal complaint regarding what I believe to be retaliatory actions and prolonged, unjust restrictions placed on my account. Despite providing all requested documentation and meeting your requirements, my access to online and mobile banking remains blocked. This issue has persisted for years and seems connected to a loss that was previously filed and settled, yet I was never contacted about any related class actions or resolutions.

The restrictions on my account have caused me significant emotional and financial harm, leaving me unable to pay my bills, manage essential expenses, or access my funds, all while money continues to deposit into the account. I believe these actions are unfair and retaliatory, as they have severely impacted my quality of life and ability to function financially.

I demand that my account be fully restored immediately and that appropriate settlement relief be provided for the undue hardship caused by this situation. I look forward to a prompt resolution and am available to provide any additional information if necessary. 

Sincerely, XXXX XXXX XXXX XXXX Routing number XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX Subject : Formal Complaint Regarding Retaliation and Account Restrictions Navy Federal, I am writing to formally express my frustration and concern regarding the prolonged and unjust restrictions placed on my account. Despite my compliance in providing all required information and my inability to visit a branch due to personal restrictions, my access to online and mobile banking remains blocked, effectively preventing me from managing my finances. This issue appears to stem from a previously filed and settled loss, yet no one contacted me regarding the associated class or resolution, leaving me feeling overlooked and retaliated against. The ongoing account restrictions have caused severe emotional and financial strain, as I am unable to access funds to pay my bills, keep my utilities running, or handle essential expenses. Furthermore, the lack of communication or resolution suggests neglect of my rights as a member. I urgently request that my account be fully restored, and I seek settlement relief for the hardship caused by these actions. I trust you will address this matter with the seriousness it deserves and look forward to a prompt resolution. 


I want a settlement too for my suffering, pain and suffering emotional distress etc
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding a fraudulent XXXX XXXX XXXXXXXX credit card account that was opened under my name on XX/XX/year>. Despite repeated attempts to rectify this situation, I have encountered numerous obstacles and have yet to receive satisfactory resolution. 

The fraudulent credit card account in question was opened without my consent, and subsequent to its unauthorized opening, it was never closed properly and remains charged off with a balance of {$66.00}. This unauthorized activity has had a profoundly negative impact on my credit score, creating substantial financial and emotional distress. 

Despite my diligent efforts to dispute the validity of this account, it remains unresolved, casting a shadow over my financial reputation. My attempts to seek assistance from XXXX XXXX XXXXXXXX have been met with frustration, as they claim to be unable to locate the account or provide any meaningful assistance. 

Furthermore, my interactions with the credit bureaus have proven equally unfruitful, as they merely redirect me back to XXXX XXXX XXXXXXXX without offering any tangible assistance or guidance. This situation has caused me undue stress and financial hardship, as I continue to suffer the repercussions of a fraudulent account that I did not authorize nor benefit from. 

As a consumer who has diligently sought to address this issue through appropriate channels, I implore the Consumer Financial Protection Bureau to intervene on my behalf and facilitate the swift removal of this fraudulent account from my credit report. 

I am hopeful that with your intervention, this matter can be resolved expeditiously, allowing me to regain control of my financial standing and restore my creditworthiness. I appreciate your attention to this urgent matter and look forward to a prompt and favorable resolution. 

Thank you for your time and consideration.
Product: Debt collection

i have had a checking account with bank of the west since late XX/XX/XXXX early XX/XX/XXXX and a safe deposit box for about 30+ years. every year i get a bill for the safety deposit box and when i receive the bill i pay by mail or check in person. i received a letter from bank of the west on XX/XX/XXXX advising me that they would take out the payment for my safety deposit box automatically on XX/XX/XXXX without my authorization. i have never given bank of the west permission to take money from my account. they just decided on their own that it was ok to take my money. i spoke with the bank manager of the XXXX XXXX XXXX and his suggestion was that i could surrender my safe deposit box an move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I settled with Rash & Curtis for a XXXX bill of {$330.00}. 
Based on this agreement, they advised that it will settle my debt for less than the amount owed and that a letter will be sent to me and once my final payment processed and assured that the tradeline will be deleted from all 3 credit bureaus. As of today, I have not received a letter advising that the debt was settled and my account is still showing under collection. Since XX/XX/XXXX I have been sending the bureaus 2 letters a month on the XXXX and XXXX and have reached out to the Rash Curtis & Associates and they are both unresponsive. Per CFPB guidelines they have to respond to every notice within 30 days and they have both failed to do so.
Product: Credit reporting or other personal consumer reports

I APPLIED FOR AN AUTO LOAN AND WAS ADVISED THAT XXXX XXXX XXXX XXXXXXXX XXXX IS REPORTING A CHARGE-OFF TO MY CONSUMER PROFILE. THIS CREDITOR HAS WRITTEN THIS ACCOUNT AS A PROFIT/LOSS. I'VE CONTACTED XXXX TWICE PLEADING FOR THE 1099C TO BE ISSUED SO THAT IT CAN BE FILED WITH MY TAX RETURN. I'VE HAD NO SUCCESS AT OBTAINING THIS DOCUMENT AFTER NUMEROUS REQUEST. PER IRS, ONCE THE ACCOUNT IS CONSIDERED PROFIT/LOSS IT IS NOW TAXABLE INCOME FOR THE CONSUMER. 

THIS ACCOUNT IS NO LONGER VALID AND INCOME CAN NOT BE REPORTED ON TO A CREDIT PROFILE. I HAVE CONTACTED THE CREDIT REPORTING AGENCIES ATTEMPTING TO GET THIS RESOLVED. 

REPORTING INCOME TO MY CREDIT PROFILE IS IN VIOLATION OF 15 USC 1681E ( B ). THESE COMPANIES HAVE THE RESPONSIBILTY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER REPORT.
Product: Debt collection

In 2013, at the age of XXXX I decided to open a account to receive XXXX for my XXXX  initially I didnt need it but I felt like I wanted a more structured XXXX. when I went to the XXXX  in XXXX XXXX The XXXX  himself said the XXXX were not needed, since I wanted a straight, more structured XXXX   obviously my treatment would be small and minute I still agreed to go through with my XXXX, upon signing up I was asked to pay from $ XXXX that would start the process is well as put the XXXX  in my XXXX, every single appointment had to be paid In advanced Or prepaid should I say due to the fact that I was a college student and thats the way they did business, I had no problem with it with that being said I was seen about 4 to 5 times and every time I went to the XXXX  I paid in advance they were aware that I was back-and-forth to college as well as them not having it alternative orthodontist for me to go to my College area I would have to call & reschedule my appointment in order for me to get to the city of XXXX to be seen by them, within Time in multiple rescheduling they attempted to collect money for me, but if I hadnt been seen or any procedure had been done in my mouth why would I pay them? There was no obligation so with that being said they decided to put me into collections without any notice or any warning, we can put them in collection they decided to place a debt in my name over {$2200.00}, Which is not owed to them in anyway shape or form no procedure have been done in my XXXX  and everything that I have gotten from them had been pre-paid in advance. They never called, gave me a warning and or spoke to me about being placed a collection they have never tried/attempted to remove this off of my credit I have attempted to numerous occasions about reaching out to them trying to speak to the doctor herself etc. and they refuse to communicate with me they continuously forward me to a Debt collectors I am reaching out to you at the consumer financial protection bureau for help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate items on my credit report dating back to XX/XX/2018. XXXX and XXXX has repeatedly refused to delete the inaccurate items on my credit report in addition they have yet to send my results of the disputes. The 1st dispute was XX/XX/2018, The 2nd was XX/XX/2018, The 3rd was XX/XX/2018 and the most recent was XX/XX/2018. Every dispute was mailed by certified mail, but yet XXXX and XXXX   has not deleted or mailed by results to me. XXXX  and XXXX has gone over the allotted day for a dispute, which is 30 days. they have broken the law mandated by the ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian and XXXX by mail of my only existing name, address, phone number, and XXXX in XXXX of XXXX. 

My Experian report as of XX/XX/XXXX still shows 6 different names ( all of which are incorrect ), 3 different phone numbers ( 2 incorrect ), and employer I do not work for. I have made several attempts to contact Experian by phone since and have not gotten through. 

My XXXX report as of XX/XX/XXXX still shows the wrong Employer. I have made several attempts to reach XXXX by phone sine XXXX of XXXX unsuccessfully.
Product: Credit card or prepaid card

i was in XXXX when my car was lost stolen at XXXX XXXX my card was used fraud in XXXX which i never went i called and sent plane ticket to regions they still not credit my money
Product: Credit reporting or other personal consumer reports

this XXXX party system or company is reporting inaccurate information. Ally Financial reporting this each month is hurting my credit score. Despite my previous efforts to resolve this matter, it remains unresolved, and I am now seeking immediate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau : XXXX  I hope your day is going well, I need your help. I pulled a copy of my credit report and noticed a fraudulent accounts. I am a victim of identity theft, and did not make the charge [ s ] .This incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy.Dear Credit Bureau : XXXX  I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information.I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the company. ( 3 ). Can you provide me with the contact number and name of the person you talked to? I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX  XXXX  XXXX  / Original creditor : XXXX Opened XX/XX/2019 Balance : {$1700.00} XXXX  - XXXX  XXXX Last reported XX/XX/2019 Reported balance : {$35000.00} XXXX XXXX XXXX Last reported : XX/XX/2019 Reported balance : {$3100.00} XXXX XXXX XXXX Last reported : XX/XX/2019 Reported balance : {$370.00}