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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern : I am writing to formally dispute inaccurate and incomplete information on my Experian credit report. Despite my repeated disputes, the inaccuracies remain unresolved. These issues align with the practices identified in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian ( Case No. XXXX ), which highlighted systemic failures in Experians dispute handling processes.

The issues with my credit report include : 1. Failure to Correct Inaccurate Information : My prior disputes have not resulted in the removal of inaccurate information. 
2. Lack of Comprehensive Reinvestigation : Experian has failed to provide a reasonable reinvestigation, often relying solely on furnishers responses without considering supporting documentation I submitted.

3. Improper Reinsertions : Deleted information has reappeared on my credit report without notice or certification, violating FCRA 1681i ( a ) ( 5 ) ( B ). 
XXXX. Confusing and Incomplete Results : Experian has provided results letters that are contradictory and fail to explain what changes, if any, were made to my report. 

The CFPB lawsuit underscores that Experians dispute resolution practices fail to comply with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). These include, but are not limited to : Failure to conduct reasonable reinvestigations ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Inadequate communication of dispute information to furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ).

Failure to provide clear and accurate results of investigations ( 15 U.S.C. 1681
i ( a ) ( 6 ) ( A ) ).

I request that Experian : 1. Conduct a Thorough Reinvestigation : Review all disputed items, including the documentation I am providing again as attachments.

2. Correct or Delete Inaccurate Information : Remove or correct all disputed items that are inaccurate, unverifiable, or incomplete.

3. Comply with FCRA Reinvestigation Procedures : Ensure compliance with reinsertion requirements and notify me of any changes made to my credit report. 

Please find attached documentation supporting my disputes. I request written confirmation of the resolution of these issues within the FCRA-mandated timeline of 30 days.

If Experian fails to address these issues, I may escalate this matter by filing complaints with the CFPB and the Federal Trade Commission. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Our mortgage loan was paid off in XXXX of XXXX. On XX/XX/XXXX our mortgage statement indicated our escrow balance had been mailed to us. On XX/XX/XXXX we still had not received our check so we contacted Truist Bank. We were told a request would be put in to stop payment on the check and a new check would be issued and to call back on XX/XX/XXXX to check the status of the re-issued check. On XX/XX/XXXX we contacted Truist only to find out the request had not been made. A new request was made and we were told the check had been re-issued and would be mailed on XX/XX/XXXX. On XX/XX/XXXX we contacted Truist to check the status once again and were told yet again the check had not been mailed but would be reissued. We requested the check be wired to our bank and gave our bank name, routing # and account # and were advised a manager would return our call with an update. On XX/XX/XXXX, after no return call from a manager, we contacted Truist once again. We were told the same thing ... the check was being reissued. The check could not be wired to an " outside '' bank - only to another account with Truist. How a bank can not wire funds to another bank makes no sense at all to us. It's a bank. Banks wire funds all the time! On XX/XX/XXXX we contacted Truist once again only to be told the same thing - the check is being reissued. Once again, we requested our funds be wired or sent via overnight. We were advised the funds could not be wired or sent via overnight - only by mail. In addition, our loan was overpaid but because there was a shortage in our escrow account, Truist kept over {$700.00}. Who got that money if our loan and escrow account were closed? There was no money to be paid out of our escrow account. Taxes were not paid from the escrow as they were pro rated at our closing. Insurance had already been paid and premium was reimbursed to us when the policy was canceled. This money should not have been kept by Truist. It should have also been returned to us. This has been going on for several months and we still have not received our money from Truist.
Product: Debt collection

am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES.
Product: Checking or savings account

Second attempt. Prior complaint XXXX Chime posted a transaction in the amount of {$30.00} from XXXX. This transaction was not mine. They closed the dsipute without refunding my money. I asked for proof, as in receipts for items purchased or what the charge was for with a receipt. They ignored my requests. They credited the {$30.00} back to my account on XX/XX/22 and then deducted the amount on the same day. They need to credit my account the {$30.00} back to my credit builder account.
Product: Mortgage

I refinanced this mortgage with Citizens Bank in XXXX. An escrow account was set up to pay the real estate and school taxes. Unfortunately, a mistake was made and one of the two parcels ( one dwelling, the other empty lot ) was not included in the escrow account so it was not paid. The amount was {$490.00} due XX/XX/XXXX. 

After calling Citizen 's tax department over and over I was told it was paid XX/XX/XXXX. It was not, then told it was paid XX/XX/XXXX - it was not. On XX/XX/XXXX a letter from XXXX XXXX XXXX stated the delinquent school tax was up to {$600.00}. I got an email from Citizen 's that it had been paid XX/XX/XXXX,- it was not. Then in XXXX another letter from XXXX - New balance due {$770.00}. It was not paid. XX/XX/XXXX XXXX from XXXX - total due at this point was {$1000.00}. Then XX/XX/XXXX I got an email from Citizens saying my school tax of {$600.00} had been paid- it was not. On the same day I got a second email from Citizens that my tax penalty of {$470.00} had been paid. ( For a total of {$1000.00} ). This also WAS NOT PAID. I called Citizens again- they told me it was scheduled XX/XX/XXXX. It was not PAID. Then I submitted my first complaint with your agency. 
I spoke to the title company in the meantime and told them everything that was happening. Because they felt like it was their fault because initially they missed sending this parcel to Citizens when the escrow was set up, they decided to pay the whole amount ( {$1300.00} ). I told them this was not all their fault, but they generously paid it anyway on XX/XX/XXXX. I got a letter back from XXXX XXXX XXXX XXXX XXXX XXXX who was of absolutely no help in the past, now stating that the full amount had been paid by XXXX Title company and that all taxes are paid and current. I filled out the paperwork to get Citizens out of the loop in paying my taxes. My remaining escrow was sent back to me. All of XXXX I paid all of my own taxes with no more harassment from Citizen 's. UNTIL - XX/XX/XXXX I get an email from Citizen 's - " MY SCHOOL TAXES IN THE AMOUNT OF {$600.00} WAS PAID '' .What?? I HAD NO MONEY IN ESCROW, THIS AMOUNT WAS AN OLD AMOUNT NO LONGER VALID AND WAS NOT OWED. I THEN RECEIVE A LETTER STATING MY NEW MONTHLY PAYMENT FOR MY MORTGAGE IS {$50.00} MORE PER MONTH TO COVER THE {$600.00} THAT WAS PAID. I CHECKED WITH THE TAXING AGENCY AND PORTNOFF LAW - THIS WAS NEVER PAID EITHER!!!! I DON'T KNOW WHO THESE PEOPLE ARE, BUT THEY NEED TO BE SHUT DOWN!!!. 

I started a new complaint with them Monday XX/XX/XXXX. I explained ALL OF THIS and sent them a XXXX page report. They were going to investigate and have a report for me by Friday, XX/XX/XXXX. I got nothing..I called them yesterday, XX/XX/XXXX, the girl I spoke to was confused by all of this ( understandably ) but I want a resolution. She sent me to her supervisor, who was so confused and I just told her to stop talking, I didn't want to hear anything else from them. I told her I was submitting another complaint with you. I REFUSE TO PAY THIS EXTRA {$50.00} DUE XX/XX/XXXX. I REALLY wish I could have my mortgage sold to another agency. Is that possible? THIS HAS BEEN A NIGHTMARE. THANK YOU.
Product: Checking or savings account

I applied to open a small business checking account with TD Bank in XX/XX/2021. Application Confirmation Number was XXXX. On XX/XX/2021, I received a text thanking me for my application and informing me that TD Bank was " unable to open a business deposit account at this time ''. 

I think TD owes the customer a more precise explanation as to why the customer is being, essentially, rejected, in lieu of the customary, pointless apology concerning 'inconvenience '.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} This agency Northstar Location Services is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report. I demand that this account be deleted immediately and I request a free copy of my report after the changes have been made ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C 1692g
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Long Island XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX XXXX XXXX, was denied an extension of credit by Navy Federal. On XX/XX/XXXX, I applied for Navy Federal Go Rewards. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Navy Federal has violated my federally protected consumer rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M XXXX  XXXX XXXX XXXX Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Navy Federal should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights.

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 an account without my written instructions. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX ( A.K.A. XXXX ) account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX & XXXX
Product: Vehicle loan or lease

XX/XX/XXXX Ally went to the extreme and took money out of a former customer account with Ally who is a relative of mine that lives in the same residence Relative only has the same address that was on file but every other information is separate to my account They took XXXX and put it towards my account because my payments were past due to a situation with the insurance and dealership claim I had because the hurricane damaged the XXXXXXXX XXXX I have leased with Ally My relative noticed her money was missing because she received a notice Now due to their actions she was able to get the money back and she ended up refinancing with a different bank Now in my situation I haven not had my vehicle since XXXX due to the damages and all I have contacted Ally plenty of times giving them notes on why have not been able to make a payment but yet every single time I speak to someone they say there are no notes I received a letter on XX/XX/XXXX from Ally stating they have my vehicle and to pay the full amount to get it back but also on the letter it also states or get it back for less just to contact them for the payment options as soon as I call they tell me otherwise and I am trying to speak to them on my concerns and they hang up This bank is so quick to ask and take money from others but can not help out like how they supposebly say in writing.
Product: Bank account or service

Dear Sir/Madam, Around six months ago I opened Citigold checking account and I am still expecting XXXX XXXX XXXX miles to be posted for the promotion XXXX. On XXXX XXXX on my question XXXX XXXX replied that the investigation has been launched and I will get the outcome sent on my e-mail address which never happened. 
Before that on XXXX XXXX I have got a message XXXX from Citibank Client XXXX ( XXXX XXXX ) that my account has met the necessary requirements to qualify for this promotion and miles should be posted within 90 days which never happened. 
Before that on XXXX XXXX XXXX XXXX confirmed that promotion code XXXX attached to my Citigold account. 
What Citibank is trying to do is pretty much scamming, trying not to meet commitments after all their acknowledgements that I was eligible. I carry out my obligations and pay account fee which is $ XXXX monthly and I want Citibank to provide good customer service as advertised and honor their promises.
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 {$200.00} 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: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. These accounts are unknown to me. Also, I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX  XXXX Balance Owed : {$3000.00}
Product: Money transfer, virtual currency, or money service

Waiting 7 weeks to withdraw {$150.00} dollars have emailed many times and sent photos of my Identification
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding three incorrect accounts on my report in XXXX, and second dispute XX/XX/year>. Both disputes were supposedly investigated and verified as accurate, however they never provided method to determine accuracy as requested in the dispute in XX/XX/year> nor was I provided information and details regarding the original reported debts being reported. All inaccurately being reported are a result of identity theft in which an affidavit was submitted however the debts were claimed to be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed through cfpb and the company i disputed said on the cfpb portal that the items in dispute are no longer on my report and that is not true. Equifax will take unverifiable information off a credit report is in dispute and then pkace it back without providing the necessary documents to do so and they keep practicing it with my file.
Product: Credit card or prepaid card

Upgrade card has decreased my credit limit with out any reason i am current on on all my outstanding credit cards and loans. This is a serious violation of the fair credit reporting act due to intentionally decreasing my credit limit and damaging my credit. 
This is an illegal act also violation of the U.S.C 15 sec 1666b.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date open XXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, For capital one credit card, my account is current and I am paying on time. could you please remove delinquency reported in XXXX, XXXX and XXXX credit score. XXXX missed payment from the year XXXX and XXXX is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation
Product: Money transfer, virtual currency, or money service

I had purchased concert tickets from an international friend of mine about two weeks ago, XX/XX/2021. She asked me to transfer the money to her on XXXX, which was {$470.00}, and she would transfer the tickets to me on XXXX. I did so, but she told me she never received the money, and never sent the concert tickets. I tried to get the money back from her and through XXXX, both of which with no luck. I then did some research and learned I could dispute with my bank, Webster Bank, for goods not received. I did so immediately and the amount was credited to my account. I thought all was right, but I received a letter in the mail on XX/XX/2021 saying the bank investigated my dispute and found " no error '', so they would be taking the money back today, XX/XX/2021. I just got of the phone with Webster Bank dispute services, where they told me they were taking the money back and there was nothing I could do about it, essentially that it wasn't their problem. I am extremely frustrated because I am now out almost {$500.00} and the bank that is supposed to help me protect my money, as well as help me get it back in the event of a scam, is doing nothing to help me.