23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian. They have not deleted the same duplicate medical accounts that are not mine and in collections, which is a violation of my consumer privacy rights. 15 USC 1681 ( A.5 ) says that after the reinvestigations all of the unverified information must promptly be deleted. You can see in each dispute of results of that this account that is the same 10 accounts was previously disputed without being thoroughly investigated and it can not be validated or verified. It appears the credit agencies are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I have made several attempts to remind you of your duty pursuant 15 USC 1681. Experian has not complied in deleting any of the ten accounts. 
I am distressed that Experian and XXXX are still including the accounts ) in my credit profile and have failed to maintain reasonable procedures in following appropriate operations to assure maximum possible accuracy that you publish on my credit report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. On XX/XX/2022 The Consumer Financial Protection Bureau ( CFPB ) is reminding debt collectors and credit bureaus of their legal obligations in light of the No Surprises Act, which protects consumers have made several attempts to remind you of your duty pursuant 15 USC 1681. Experian has not complied in deleting any of the ten accounts. 
I am distressed that Experian and XXXX are still including the accounts ) in my credit profile and have failed to maintain reasonable procedures in following appropriate operations to assure maximum possible accuracy that you publish on my credit report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. On XX/XX/2022 The Consumer Financial Protection Bureau made it a law to not report medical debt at this time and under certain amount but this is not my debt. 
( CFPB ) is reminding debt collectors and credit bureaus of their legal obligations in light of the No Surprises Act, which protects consumers from certain unexpected medical bills. The debt has not been validated or verified. This is my 4 dispute for the same inaccurate information they are not deleting and I have not received information of and investigation or reinvestigations of the results I have requested.
Product: Debt collection

I believe Midland Credit Management sold my phone number to XXXX XXXX aka Portfolio Recovery after I filed a complaint for continuous contact from them. 

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

I had XXXX separate loans with MoneyLion. These loans were titled XXXX XXXX XXXX. I took these loans out for the purpose of rebuilding my credit after my divorce. I never even used the money. It sat in my MoneyLion savings account for the entire time of the loan to repay the loan.

I made all payments on time and after loan was paid off they continued to charge me for the loan. When I first noticed this on my account I disputed it personally through all XXXX credit bureaus. As well as a credit repair service I was paying for. After getting XXXX results that way, I contacted MoneyLion and was escalated up to a supervisor. He confirmed that all loans were paid off and that MoneyLion actually owed me money instead of the way it was reported on my credit reports. He refunded me my money and assured me they would be removed. XXXX months later it is still on my report. I have a letter from the supervisor I spoke with that day stating the correction. I will attach below.
Product: Credit reporting or other personal consumer reports

There is a previously deleted account on my profile that has been put back and does not belong to me. Ive never had an account with XXXX XXXX. In addition, the information pertaining to the account does not match my personal information or history. This account being listed on my profile is fraudulent, violates my rights via the FCRA code 605B, and has caused my score to be negatively impacted by XXXX points reducing my 100 % on time payment history to 97 %. This account is fraudulent, Ive previously submitted documentation including an FTC report and police report ( review past disputes ) and the company is not following proper protocol to make sure my report is accurate and reflecting validity of accounts.
Product: Checking or savings account

The method of processing debts creates a Hardship on the customer. The bank currently process the largest transaction first, which creates OD fees for all of the smaller transactions. If the smaller transactions are processed first, it would create less OD fees.
Product: Prepaid card

I have tried to call the number on the card and on the internet. I am unable to get a live person at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts have violated my rights : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit card or prepaid card

I am writing this complaint because I previously had an comenity bank/express credit card. I mailed in my payment in full to comenity bank/express in 2017 and a week later I received a letter from XXXX XXXX  saying I owe the debt but I informed them that I had mailed the amount owed to comenity/express. They told me I needed to call them because XXXX  never received a payment from them. I immediately called comenity/express and they stated they had not received a payment from me. I had sent them two payments on the same day. So I called XXXX  back and we agreed to wait awhile but and almost two months later of going back and forth they stated they just received a partial payment from them. I then called comenity/express again to inquire about the other half of the payment and they said they had no record that they received any payment for me ( which was crazy because XXXX  had gotten a partial payment from them ). Comenity said they would look into the matter but no one ever called me back. After going back and forth with XXXX  I just paid the remaining balance and filed a complaint with CFPB to have XXXX  removed from my credit report because it should have never been put on there. They responded that they would remove it from my report and that comenity/express was working to recall it from my credit. This debt has been paid in full and I would like comenity/express removed from my credit report because they stated they were going to recall it to XXXX XXXX and because they state they never received a payment from me but they sent XXXX a partial payment. I dont know what they did with other payment I made to them since they quote had no record that I sent in a payment. 

I havent heard anything else from them to this day. I also have not received a refund of the remaining payment I made. I would like this resolved as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

The original creditor XXXX XXXX notified me that the account has been closed & for the credit bureaus to block the information from reporting
Product: Credit card or prepaid card

I made a purchase of {$110.00} in XX/XX/XXXX. I inadvertently missed the payment and spoke with a representative that advised me to send in the balance due plus interest ( XXXX + XXXX interest accrued on XX/XX/XXXX + XXXX interest accrued on XX/XX/XXXX ) and the late fees could be waived. I sent in a payment of {$120.00}, which was applied on XX/XX/XXXX. The outstanding late fee of {$62.00} was not waived and has been COMPOUNDING and accruing interest ever since. The practice of charging late fees on late fees until the balance is out of hand seems abusive. I have since submitted a dispute ( XX/XX/XXXX ), however, XXXX XXXX appears dismiss disputes filed on late fees. They keep harassing me with collection calls 7 days a week. 

I am requesting that 1 ) the [ compounded ] Late Fees that have been assessed, became principal, accrued interest and charged late fees [ repeat ] for a total of {$350.00} as of XX/XX/XXXX be reversed/waived ; 2 ) my account be closed ; and 3 ) my credit be updated to reflect paid in full on XX/XX/XXXX with no late payments since. 

This practice is not fair and can put a consumer in financial hardship quickly. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2021, I submitted a credit application with Synchrony Bank for a Synchrony Home Credit for a mattress set purchase on us-mattress.com for the approximate amount of $ XXXX dollars and about one ( 1 ) year with zero finance charge if paid in full. I was denied. 

Today, XX/XX/2021, I received a letter from Synchrony Bank, XXXX XXXX. XXXX XXXX, XXXX, FL, XXXX dated XX/XX/2021, and that my request was denied for the following reason ( s ) : Credit bureau reports applicant is deceased. 

THIS is an out-right LIE. 

I have a few synchrony bank accounts and my My Credit is IMPECCABLE. 

Furthermore, they " state '' in this letter to me that some information used to make this decision was obtained from consumer reporting agency XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX ; that this consumer reporting agency DID NOT make this credit decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent necessary documentation to both bureaus providing my correct address & ID proving the address on file is incorrect or used by someone who has a similar name. I haven't received any response from the bureau by mail, email or to my fax number. I would like them to remove all incorrect accounts and/or information tied to any false address that is not mine. I have provided documentation since XX/XX/2022 several times and can yet to have anyone correct my credit file
Product: Credit reporting or other personal consumer reports

Trans Union XXXX XXXX XXXX is blocking me from not only accessing my personal credit report, they are also blocking me from disputing inaccuracies on my personal credit report. 

I have multiple inaccuracies on my personal credit report including an address that is showing on my personal credit report. I have informed Trans Union of this information and they refuse to update the information requested and refuse to remove the inaccuracies. 

I have provided a copy of my FTC XXXX theft report, along with a police and proper identification as requested. I have been a victim of multiple data breaches which has impacted my personal credit report and I have informed the credit bureaus of this information as well.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>, followed XXXX and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX  Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Checking or savings account

I had and have had issues with Chase Bank/JP Morgan Weath Management financial advisor for a lengthy time but put up with it. However, last XXXX I emailed the advisor XXXX XXXX that I needed to talk to her being rates have gone up a lot. I asked her to call me the following Friday morning and never got an email or phone call. I sat tight until XXXX when I ironically got a survey via email from JP Morgan from a XXXX XXXX. I did not fill it out favorably, in fact from XXXX, I put down all XXXX 's or XXXX 's. I got a call from his office, not him about it. I told some lady named XXXX XXXX the complete situation going back quite a while. Obvoiusly they do not want to hear negatives, only saying " apologize for that " but not offering any solutions. I emailed that XXXX XXXX voicing again my dissatisfaction with him being his name was on the bottom of the survey asking WHY hasn't he emailed or called to talk about it, instead of having someone I could not understand nor seemed that interested. Again no response. I emailed him again saying how rude he was and uncaring. One person XXXX XXXX called and we talked and seemed nice but he was not at liberty to say why the upper ups would not call. I found out today, Friday my accounts were closed! When I called to find out why, I was told that they do not have to say why. 

Is that what happens in this Country?? I am a XXXXXXXX veteran and explained to a couple people that if you were the person that was not taken care of by a so-called financial advisor, would you not be upset, and even more so when you complain about it that it still does not get you anywhere. 

Is Chase that big that they can walk over you after you been a customer for over 30 years and have several accounts? I take it CHASE/JP Morgan and who ever this XXXX XXXX is only wants to hear good things so they can put 5 stars next to the CHASE name, but if you complain, they/he only ignores it never correcting the problem JUST saying or having someone else say I APOLOGIZE which is useless since the same problem ( s ) continue.
Product: Money transfer, virtual currency, or money service

Ive been using Zelle for years. There have been instances of money sent to wrong person or being scammed. The banks and Zelle did not refund me the money. when I first started using Zelle I didn't know I couldn't get a refund if it was sent to the wrong number. I also got scammed out of XXXX for a concert ticket transfer. Both the bank and Zelle were unwilling to help
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  AccountXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my righ

ts 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 Sates : 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 antidotes 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 or other personal consumer reports

XXXXXXXX XXXX XXXX  {$4100.00} XXXX {$5500.00} OPEN DATE XXXX XXXX Unauthorized Accounts, Inaccurate.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). ChXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have not initiated any transaction with your company. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with your company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
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 XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$3300.00} Charged off XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$19000.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX SS # XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : I recently pulled a copy of my credit reports and noticed the following creditors and information are in errors : Inquires the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 
Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : ONEMAIN Date : XX/XX/XXXX Creditor : ONEMAIN Date : XX/XX/XXXX Creditor : XXXX  XXXX  Please remove these inquiries from my credit report accordingly. 
Sincerely,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX - XXXX