23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am disputing the findings of Equifax Information Services , LLC because it failed to properly and adequately investigate my claims in the dispute against XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX concerning my credit card account ending in XXXX with the bank, and did not delete the account, instead Equifax Information Services , LLC supported the bank in propagating unfair business practices by holding the Bank 's submission as accurate without fully investigating my submission. In fact, I believe that I have been as specific as possible in all discussions with XXXX XXXX Bank, unlikely the Bank that continues to manipulate the dispute process ( Attachments B, C, and E ). 
1. I am disputing the claim of XXXX XXXX Bank against me to the tune of {$550.00} as inaccurate because its permutation is erroneous, and therefore inaccurate. The calculations were based on wrong assumptions including wrong account closing dates, multiple closing dates, membership fees on a closed account and accumulating surcharges on a closed account ( attachments G, H, J, K, and M ). 
2. XXXX XXXX Bank denied me insurance protection benefits on this account in spite of the fact that I was mandated and forced to opt into the policy, and paid the premiums. Even, after admitting to this fact, XXXX XXXX Bank made no effort to adjust the account, and continued to perpetrate the inaccuracy ( attachment G, H, J, and K ). 
3. XXXX XXXX Bank denied me the opportunity to negotiate a settlement. I made oral written attempts to negotiate the debt, but XXXX XXXX Bank officials deliberate used tactics that made them inaccessible and ignored my written requests ( attachment D, F and L ). 
4. Equifax Information Services , LLC did not review any phone records or transcripts to confirm the claims of either party to the dispute but relied solely on the submission of XXXX XXXX Bank that its summary of statements were accurate, hence unfairly confirming the position of XXXX XXXX Bank against me based on inaccurate accounting ( attachment G, H ). 
5. Equifax Information Services , LLC did not examine any detailed bank statements to judge the accuracy of the content or determine how and why the figures were changing in such a dramatic fashion during such a short period of time, including who made payments or why the payment was made ( attachment C and M )? 
6. Equifax Information Services , LLC refused to respond to my request for the details of their investigation ( attachment N ). 

Therefore, my account ending XXXX with XXXX XXXX Bank should be removed from charge-off status, and deleted completely because of these inaccuracies, lapses in the investigation process, and wrong verdicts ( attachments A, C and E ). 
Note : The attachments are a compilation of documents obtained from the various credit reporting agencies approached during the dispute process.
Product: Credit card

On XX/XX/XXXX I had a conversation with Chase Credit Card Services supervisor named XXXX. Their number is XXXX. I disputed a charge I found on my credit card statement that I did not make nor recognize in the amount of {$230.00} at XXXX. I advised XXXX that I still had possession of my card but did not ever recall making that transaction of {$230.00} at XXXX. Ultimately he advised that the charge would stand as valid and I would be responsible for the charge. This is completely wrong. I should not be responsible for charges I did not authorize. He claims that the card has a chip and it was used in store and it is next to impossible for the card to have been used fraudulently. I was offended as it feels as if I am being accused of being a liar and my credit card company is unwilling to assist me in resolving this issue. I am adamant that I did not make this charge and would like for it to be removed as this was fraud. As an XXXX XXXX too often we are not given the benefit of doubt and not deemed not trustworthy even if the dollar amount is so insignificant. I am an upstanding individual with excellent financial record with Chase Credit Card and its quite disappointing to have been treated so unfairly. I am seeking CFPB support to resolve this dispute as I have been honest and did my part to report unauthorized activity on my card in a timely manner. Chase Credit Card purports to offer XXXX liability on fraudulent charges but it seems like it only applies to card holders of certain demographics. This is XXXX and this type of discrimination and arbitrary application of good will is wrong.
Product: Mortgage

The complete short sale documents were sent originally to PNC on XXXX but then the POC said that we need to opt out of the DIL first and so we did and we were advised to resend the short sale documents - resent on XXXX. They then requested for missing documents on XXXX and we were able to send them on XXXX. Then on XXXX, they requested for another set of documents and those were submitted on XXXX. And then lastly, they requested for the same documents on XXXX so we resubmitted them right away but until now we still have not heard of an update or progress on the review.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$3000.00} from XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed.

Thank you for your immediate attention to this request.

Sincerely,
Product: Credit reporting or other personal consumer reports

Complaint to the CFPB Against CareCredit ( Synchrony Bank ) Issue : Failure to Update Credit Reporting After Settlement What Happened : I had an account with CareCredit ( Synchrony Bank ) that was placed with XXXX XXXX for collection. XXXX XXXX made a settlement offer, which I accepted and paid in full by XX/XX/year> for {$650.00} as agreed. On XX/XX/year>, I received a Settlement Paid Confirmation letter from XXXX XXXX, stating that they would notify Synchrony Bank ( CareCredit ) so the account could be updated accordingly. 

Despite this, CareCredit has failed to update my credit report to reflect the account as Paid as Agreed and continues to report inaccurate information to the credit reporting agencies ( XXXX, XXXX, and XXXX ). This negatively affects my credit score and misrepresents my financial history. 

Actions Taken : I disputed the inaccurate information with all three credit bureaus, but the account remains incorrectly reported. 
I attempted to resolve this by contacting XXXX XXXX, who confirmed that they notified Synchrony Bank ( CareCredit ) of the settlement.

Despite these efforts, CareCredit has failed to comply with the agreement or accurately update the account. 
Violations & Requested Resolution : CareCredit is in violation of the Fair Credit Reporting Act ( FCRA ) for failing to report accurate information and correct an error after a dispute : 15 U.S.C. 1681s-2 ( a ) Duty to Provide Accurate Information CareCredit has a legal obligation to report complete and accurate information to the credit bureaus.

15 U.S.C. 1681s-2 ( b ) Duty to Investigate and Correct Information After my dispute, CareCredit was required to investigate and correct the error within 30 days, which they failed to do.

15 U.S.C. 1681i Failure to Correct Inaccurate Information Credit bureaus rely on furnishers like CareCredit to ensure accuracy ; their failure to update the account means they are actively reporting incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

Received notification from credit bureau regarding debt of XXXX from XXXX this was a previous debt that was previously disputed and resolved by Amsher collections and it was verified that the debt did not belong to me and the credit was deleted in XXXX. I have no knowledge of this creditor i was never notified via mail nor phone regarding debt
Product: Credit card

On XXXX XXXX, 2023, I applied for an American Airlines Advantage credit card on-line through Citibank, XXXXXXXX XXXX XXXXXXXX. While I really didn't need a XXXX charge card, I applied only to protect my frequent flier miles totaling XXXX. XXXX sent me an email on XXXX XXXX, with options to protect my miles from expiring on XXXX XXXX, a credit card being the best alternative. Within minutes of submitting the app, I received a computer generated response of " We're unable to approve your application because we couldn't verify some of the information on your application ''. A like denial letter, dated XXXX, was received by mail on XXXX XXXX. Besides personal information such as d.o.b., the only 2 credit related questions were annual income and rent or mortgage payment which I answered, nothing else. The only way to answer them was to write them at CitibankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
On the back of the denial letter, I wrote that if there was more required info needed that I missed, their system shouldn't have allowed submission. I requested that they tell me what they were unable to verify - be specific. Further I stated while they may not have violated ECOA, they have an obligation to assist applicants in obtaining credit. 

On XXXX XXXX, I wrote AA voicing my displeasure after I received another email solicitation from them to apply for a credit card which noted I had XXXX flier miles. To date neither has responded.

Since then I have looked closer at the ECOA rules. A couple of violations that stand out are " you're refused for a loan even though you meet all the requirements '' and " Indefinite or vague reasons a
re illegal to refuse you credit if you qualify for it ''. Simply put, to refuse ( or grant ) credit based on incomplete information without attempting to obtain it, is a poor way of doing business. I have had perfect credit for over 55 years and have no debt except a small charge card I pay in full each month. My home is paid for and I have considerable assets. After applying I was offered a free identity monitoring service from my bank due to a breach. I learned that my XXXX XXXX XXXX was XXXX after enrollment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I've already sent a letter to the creditor asking them to remove this late payment. They have not abided by what I have requested. They also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party. 

Payment Date : XX/XX/2020 XXXX Bank Account # XXXX
Product: Checking or savings account

While still living in XXXX  I opened 2 accounts ( checking and savings ) with SunTrust ( NOW TRUIST ) in XXXX XXXX XXXX  online. I made my husband the secondary account holder ( it was an option ) and transfered {$1000.00} into each account. I did this so that we would be all set once we move there in XX/XX/2020. The bank sent me temporary check and deposit slips as well as an ATM card. Shortly after receiving the items, we received a letter stating that the accounts had been closed due to " Rules and Regulations for deposits '' and the money was returned in same letter. We called the Fraud department of the bank but were told that any more information was not available. 
When we moved to XXXX  we contacted SunTrust ( now Truist Bank ) to open a new account. We were told that the " closed '' accounts could not be reopened. To the question if we could just open a new account, the answer was no at first. After probing and speaking to various departments over an hour on the phone, we finally got to XXXX in the Consumer department who told us that only I, XXXX XXXX, could open an account but my husband XXXX could not. XXXX received this information from the back office, as she called it, of the Fraud department. Further questioning revealed that I, XXXX, wouldn't even be able to give my husband access to the account. My husband got on the call with XXXX and after another check with the back office of the Fraud department was told that SunTrust will not allow my husband to open an account and that he was banned for life of doing business with SunTrust. 
We were told that the Fraud department refused to speak with my husband nor are they willing to give any explanation as to what the issue is or allow him to address and/or defend himself against any possible falsities.
Product: Mortgage

I was recently sold from XXXX XXXX XXXX to seterus. I was supposed to receive a welcome packet by XXXX XXXX, and have not received anything! I do n't want to be held in default for payments when I have no information or loan number to send it to!
Product: Checking or savings account

unfortunately My purse was stolen on XX/XX/XXXX. 2024 from my car as i waited for a friend at her home. On XX/XX/XXXX on noticed a large debit from my checking account i immediately reported this to my bank Chase that my checking account was compromised by fraud and a check was cashed in a large amount. I realized i was a victim of Fraud and reported this fraud on my acct on XX/XX/2024 in the amount of XXXX to have been done without my knowledge nor consent. claim number # XXXX po ; ice case number XXXX i immediately requested a fraud report and claim. after 27 days getting close to 30 days later without resolution. I'm still waiting for my funds to be refunded to my account. i have not received a temporary refund while this has been investigated. this is extremely frustrating as a customer. 
As a victim of this fraud incident and being put thru this unfortunate situation i have been under much stress and disappointment waiting this whole time. at first bank said it would be resolved between 3 to 7 business days. then they said another 10 days .. now 30 days later I'm still waiting. i also provided them a Police Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regard to the negative items on my credit report it has been well over 30 days also I've disputed items I was a victim on identity theft also no action was taken to delete and remove account XXXX XXXX XXXX account # XXXX account opened on XXXX  XX/XX/XXXX or XXXX XXXX XX/XX/XXXX my credit reports both dates which all three bureaus do not have the same information that in its self are terms for removal and deletion. Date last active XXXX  reports XX/XX/XXXX Equifax reports XX/XX/XXXX XXXX XXXX reports XX/XX/XXXX I do have a police report and this is the number to the file : XXXX located XXXX XXXX Florida
Product: Mortgage

To Whom It May Concern : My complaint is against this mortgage company : MB Financial, mbmortgage.com,  XXXX acct. # XXXX Beginning in 2019 I decided to pay off my mortgage within 5 years. I have a 15 year loan, have paid on it 5 years and I have 10 mores year before I pay it in full. Beginning the month I paid {$2500.00} towards my principal along with my monthly mortgage payment of {$3000.00}. Thus, for the next 5 years I will be paying {$5500.00} each month in order to complete paying off my mortgage in 5 years.

I went to the MB Financial website and made the arrangements described above. 

A problem developed when I looked at my bank records and noticed that MB Financial took out the {$5500.00} from my account and also accepted my Bill Pay check of {$3000.00} that I had been making to them for the previous 5 years. I promptly called their office and explained the situation. They stated that I should have stopped payment on my automatic payment of {$3000.00} as their " system '' could not withdraw just the additional {$2500.00} I had stipulated. I told them I understood their explanation, however I explained to them that I had only authorized them to pull out {$2500.00} from my checking account. Their website did not make clear that they would be taking out the {$2500.00} I authorized plus the normal {$3000.00} mortgage payment. 

So to resolve the issue I asked them to wire back the extra {$3000.00} they had withdraw, without my authorization. They said they could not, but that they would send me a check sometime soon. Today is XX/XX/XXXXand they still have not refunded me the extra payment. My first call to them was on XX/XX/XXXX. I have made 7 calls so far and still do not have the {$3000.00} they pulled out without my consent. Today, I called to speak to the supervisor, XXXX, and I have yet to get a call back from him. 

This " bank '' has pulled out money from my checking account without my approval. In addition, they have not had the decency to refund me the money. I request your assistance in getting they to resolve the issue. 

Thank you for your help.
Product: Student loan

I previously contact the XXXX XXXX XXXX in the beginning of XXXX. I check the website state my student loans are discharged. However the loan consolidation balance is the same of XXXX. The loan numbers are XXXX and XXXX shows paid in full and discharge status. 


I need an itemized statement for each loan including interest adjustments on each account. Please up dated the consolidation balance on account.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that they have on file that were supposedly used to verify the verizon accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under XXXX XXXX XXXX XXXX ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' For some reason, Equifax thinks sending me a letter stative " it 's been verified '', is proof of verification which it clearly is not. Please resolve this manner as soon as possible
Product: Credit reporting

I have NEVER LIVED on XXXX XXXX, XXXX, NY
Product: Debt collection

Community bank has called repeatedly from unknown numbers. When Ive told them to stop calling my work they attempted it again to try to get my secretary to transfer it. As well as when I told them not to call after 8 because of a sleeping child the girl on the other end got nasty with me. When I told them they couldnt call 5 times in a row they threatened legal actions and to sue me along with getting nasty again.
Product: Credit reporting, credit repair services, or other personal consumer reports

AR resources inc. XXXX XXXX XXXX for XXXX} open XXXX XXXX. do not now anything about that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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

This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account Name XXXX XXXX ) Account # ( XXXX )