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

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency 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 accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law. 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or XXXX per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 I went to the car dealership and I told the salesman to pull my credit once and they pulled it multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax announced that it suffered a data breach. Then they said in the letter, " If you ( I ) believe you were the victim of identity theft, here are some steps you can consider for additional protection ... '' Then they give a bunch of steps that essentially TAKE THEM OFF THE HOOK! There are services mentioning them giving credit monitoring for free for a year. THEN, you pay for it! Why should I pay for monitoring from THEM when THEY ca n't protect the information in the first place? Free or not, how have THEY proven that THEY can secure anything let alone one 's social security number, etc.? 

They are a credit reporting company! My information has been compromised by THEM! They let this happen by not securing personal information. 

Now, what am I supposed to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 


To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 


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

These Hard Inquiries on my XXXX report I do not recognize nor did I give my consent for. Dated XX/XX/XXXX from Flagship Credit Acceptance and XXXX XXXX. I only have knowledge of XXXX XXXX XXXX XXXX. Also their is a Hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX that I do not recognize as I know that I was out of town and not inquiring about an Auto loan on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXX : {$2200.00}
Product: Debt collection

my wife received a Settlement Offer for Convergent Outsourcing , Inc. saying that he records of XXXX show that she has a past due balance of {$200.00}. They will settle for {$41.00}. She has n't has XXXX since 2005. We have never received any prior notices. It has not shown on any credit reports. We want to know if this is legitimate.
Product: Credit card or prepaid card

I dealt with Cit 's customer service team. I disputed a charge by XXXX. I received a provisional credit, but the credit was reversed and added back to my account based on documentation provided by the merchant that didn't relate to my circumstance. I sent supplemental documentation to Citi  and Citi  closed my claim saying it wasn't legible. If I would have seen the message to re-provide the documentation, I would have done so, but Citi  sent the notification such that you can only see it when you log in from a desktop browser, rather than the mobile app. As a result, I didn't see the documentation prior to them closing my claim, and now they don't appear willing to help me at all, even though the merchant hasn't provided documentation showing it was a valid charge.
Product: Credit card or prepaid card

I was attempting to use my new Citibank credit card obtained through XXXX. My first purchase was at XXXX in XXXX XXXX to buy a prescription for {$15.00} on X/XX/18. I decided to buy several items at XXXX 3 miles away. Upon using the card for the second time that day the machine misread the credit card chip and my transaction declined. The message was to contact member services. I contacted member services to hear that their fraud department flagged my credit card on only my SECOND transaction only an hour after my first transaction. I spoke with XXXX and her supervisor XXXX who both were incredibly redundant in their message of being unable to help me due to their fraud department being down and going through maintainance. They flagged my account and were unable to remove it. I asked them to provide better customer service other than to say check back in 4-5 hours. I asked them if they could call me when it was resolved. They said they could not. I asked them if they could have fraud department call me back, they said no. I was upset at the lack of helpfulness or initiative to provide BASIC customer service. I am left with no answers, frustration, and a brand new credit card that I can not even use until who knows when.
Product: Debt collection

As per the court agreement dated XX/XX/XXXX we agreed to pay {$100.00} per month toward a total of {$12000.00} which included the principle amount {$11000.00}, interest {$87.00} and court costs of {$360.00}. This total amount is for a medical bill with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I now find out that the collection agency, Lotane & Associates PA of XXXX Fl, have been adding interest to this amount. This is against the order of the court. I've tried several times to get a fee statement balance from Lotane & Associate but have not been able to acquire one until today via email showing this interest in question. We have been paying the agreed {$100.00} amount with automatic payments from our bank account without incident until XX/XX/XXXX when our Bank account was compromised. We immediately closed that account and opened a new account with another bank. Immediately we set up automatic payment to send {$100.00} per month to Lotane & Assoc via our new account. We started receiving letters from Lotane & Assoc saying our payment checks had insufficient funds. Upon checking with the new account the payments went through without a problem. Finally after 2 months of trying to deal with Lotane & Assoc I went to the old bank. Apparently the old bank did not stop the automatic payments when we closed the account. I obtained a document from the bank claiming total responsibility for the errors and sent it via email to Lotane & Assoc. I thought all was well until they started sending me the un-cashed checks from my new bank account saying they would not accept them due to having too many NSF checks issues. Again, the other bank took responsibility for this problem but Lotane & Assoc did not budge. So I had to start paying the bill via their webpage. This is where i discovered the amount due was incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These inquiries are a result of fraudulent activity, and I am seeking to have them removed as they were not initiated or authorized by me. 
The inquiries in question are : INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Auto loan was paid in full on time. 
The Bank charged off the entire loan due to a late charge I was disputing. I decided to pay the late charge, but because they left the loan open during the dispute It was charged off because of 90 days. I paid the late charge. 
The Bank never sent written notice that the account was going to be charged off unless payment in full was received before a certain time frame. I was making payments on the late charge. 
Its not marked as a paid charge off on Credit reports. It should have never been a charge off at all. The principal of the loan was paid on time. Late charge was the reason for charge off. Unfair practices from Wells Fargo Dealer Services. No written notice was sent to me before account was charged off while I was making payments on Late charges that I was disputing with the office of the president if Wells Fargo Dealer Service
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on my credit account XXXX XXXX is wrong..
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was opened XXXX. High balance of {$780.00}. I mailed a certified letter to the creditor in XXXX XXXX requesting account be validated. I put in a credit dispute in XXXX XXXX, and XXXX XXXX stating inaccuracies in the reporting ; the date of 1st delinquency was in XXXX ; account is too old to be still reporting to the credit bureaus. This account was updated as correct. If account went delinquent in XXXX XXXX, XXXX then the balance should be {$0.00} by now since XXXX XXXX when the acct was opened. However, original late payments are not reflected on credit report, only the last 1st delinquency in XXXX XXXX. Account was left owing {$240.00} but was sold to PRA in XXXX XXXX showing charged off to {$540.00}. I have tried to resolve this issue and request my payment history for XXXX XXXX  from date of account opened in XXXX XXXX. They have refused to provide me payment history and continue to report the account on my credit which is now 9 years old because they do n't want to remove it as stated by law. I have requested the account be removed to no avail. Also, I am currently dealing with PRA for a settlement of an incorrect balance owed and have request the same payment history from PRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent previous letters, disputes and complaints to you, questing that you remove inaccurate and non-factual information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to reinvestigate the items. My previous letters, disputes and complaints stated my reasons for an investigation and these reasons were not frivolous in any way. 

For the last time. I asked that EXPERIAN investigate the following and not by E-OSCAR. These items need to be investigated by a person physically lookinbg over whatever documents the creditor has. The following items ; XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, OFFICE OF THE ATTY GENERAL XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX. Since I have filed a number pf letters and complaints against EXPERIAN you should have in your records the reason I have filed disputes for the accounts listed. I will not provide them again as I have over and over and over again. 

If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX, TEXAS for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 

I anticipate your response. 

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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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
Product: Student loan

Around XX/XX/XXXX I spoke to a lady who worked for Sallie Mae ( XXXX ) about enrolling in a payment program and she had confirmed that all my loans were successfully enrolled. Months later I found out my biggest loan was not enrolled and they had reported my account delinquent to the credit union. This dropped my credit 70+ points over the span of two years because they told me that I had to pay XXXX to get the loan active. I reported them to this bureau and they worked with me to charge off the loan after they realized their mistake. They are holding my credit as a incentive to start paying my loan even though they were in the wrong and lowered my credit. Resulting in me not being able to rent a home. Fast forward to XX/XX/XXXX. I spoke to representavie XXXX who helped put me in a forbearance until XX/XX/XXXX. Confirmation # XXXX. Over a month later on XX/XX/XXXX, they are reporting to my credit that I 'm 45 days late for a payment even though my forbearance is until XX/XX/XXXX. They are calling me putting me non stop every day. Once I called them they have put me on hold for 45 mins now and have transferred me 8 times because the representatives do n't know what 's going on. I have spoken with the account manager XXXX ( XXXX ) who was very helpful and nice. I 'm just concerned about all the negative marks reported to my credit over the last 2 years that have caused me to not get approved for a home for my family in regard to Sallie Mae.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Dear ALDOUS ( Original Creditor : XXXX XXXX XXXX ) I am writing to formally dispute an inaccurate entry on my credit report. The account with ALDOUS ( Original Creditor : XXXXXXXX XXXX XXXX ) and account number XXXX. This inaccurate reporting is negatively impacting my credit report. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. 

I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. 

Thank you for your assistance.
Product: Credit card or prepaid card

I get an error message regarding technical issues when I try to set up Auto Pay online for my Citibank credit card. This is the error message : " Looks like we're experiencing a temporary technical issue. Please try again later. '' I first encountered this problem around XX/XX/2019. I experienced it again today, XX/XX/2019. 

Not being able to set up AutoPay increases the possibility that customers will miss payments. The ongoing nature of the " temporary technical issue '' raises concerns that this is intentional.
Product: Credit card

I have disputed a {$470.00} charge from XXXX XXXX multiple times with American Express since the beginning of XX/XX/year>. I have a Platinum card, and I am supposed to receive purchase protection from American Express in exchange for an annual fee of {$690.00}. American Express seems to be intentionally avoiding their responsibility for purchase protection that is guaranteed as part of my card. 

I ordered an office chair from XXXX XXXX in XXXX. When the company could not fulfill the order by XXXX, XXXX XXXX agreed to issue a refund to me, which they never did, despite my multiple follow-up attempts with them. When it became clear that XXXX XXXX was not going to refund me, I disputed the original charge with American Express. 

Despite having multiple emails from XXXX XXXX admitting they were in the wrong and promising me a refund ( all of which I submitted to American Express ), XXXX XXXX sent fraudulent documentation to American Express claiming that the office chair was delivered to my home in XXXX, TN on XXXX XXXX XXXX XXXXXXXX XXXX provided a tracking number of XXXX in the documentation. 

If you actually go to XXXX  and enter that tracking number, however, you will see that package was NOT delivered to my home in XXXX, but was recalled and delivered to XXXX XXXX facility in XXXX, OH. I have never received the chair. I have told American Express that XXXX 's documentation is fraudulent multiple times and sent screenshots of the real tracking information from XXXX. It is easily verifiable via XXXX that XXXXXXXX XXXX documentation is fraudulent, and American Express continues to ignore this information and close my dispute. American Express is not providing the purchase protection it promised me as part of my American Express Platinum card fee.
Product: Mortgage

1. Chase Bank bought out another Bank and was " Updating " their computer systems due to buy out in XX/XX/XXXX. When I made my mortgage payment XX/XX/XXXX, it did NOT go through do to this. Chase bank called me to report this to me. I then made XX/XX/XXXX & XX/XX/XXXX payment. I was told by Chase this would NOT affect me in anyway. 
2. Fight thing every Year. They continued to report it as a 30 day late in XX/XX/XXXX!!! 
3. XX/XX/XXXX to the end of the month, Chase Bank changed my credit report 3 times. 
A. 30 days XX/XX/XXXX ... .. Falsly being REPORTED B. Changed it XX/XX/XXXX to 30-60 day late. 
C. Then again on XX/XX/XXXX to " XX/XX/XXXX as 30 days late ''. 
They names that have Fraudulently changed my report is " XXXX, XXXX XXXX ( supervisor ), XXXX, then XXXX XXXX ( manager in Texas ) all with Chase Mortgage & Credit Department. Refuse to remove due to their mistakes. I feel my Rights have been violated and Fraud of my credit reporting Act per Chase Bank. I am demanding it to be Removed per all the mistakes of Chase Bank. Please help!!! My Chase account number was # XXXX. 


XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of an incorrect account from my credit report. This account was created and used without my permission, and I have attached the necessary documents to substantiate my claim. 

I respectfully request that you investigate this matter promptly and remove the unauthorized account from my credit report. This incorrect entry is adversely affecting my credit score and financial standing. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2022 to XXXX. Here is my tracking number.. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?