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

I am writing to follow up on my previous communications regarding the correction of a late open account. This serves as the first follow-up attempt to address this matter. 

I understand that administrative errors can occur, but it is imperative that they are promptly acknowledged and corrected to prevent any further complications. The delayed resolution of this issue is not only inconveniencing but also reflects poorly on your organization 's commitment to customer service and accuracy. 

I would appreciate it if you could provide me with an update on the status of the correction and an estimated timeline for its completion. Additionally, if there are any further actions required on my part to expedite the process, please do not hesitate to inform me. With this, I am asking for your assistance to correct this account in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$9000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the XXXX credit bureaus : XXXX, Equifax and XXXX on XX/XX/XXXX and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2022 and XXXX XXXX this year I submitted a complaint regarding on the Bankruptcy records on my credit report. Today I am submitting a complaint for the removal of the fraudulent items on my credit report. I submitted a complaint for it Last XXXX but it was closed immediately without getting any response from the companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have inaccurate unapproved credit inquiries removed from my credit profile. It appears someone or the system by default has been pulling my credit profile periodically. I have had a freeze on my credit profile in place due to fraudulent activities. Requests were made to Capital One to investigate and update my profile as it continues to negatively impact me. 

XXXX All 3 credit bureau pulls XXXX All 3 credit bureau pulls XXXX XXXX and XXXX None of these credit pills were done by me or authorized by me.
Product: Credit reporting or other personal consumer reports

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 XXXX  has been continually reporting to Equifax that my closed account is open an negligent. I have spoken with representatives several times since XXXX including XX/XX/26,XX/XX/29,XX/XX/19,XX/XX/19,XX/XX/19. They have refused to contact Equifax to fix their reporting issues.  Yet, I as the consumer has to suffer and have my credit score dropped monthly for incorrect reporting on their end.  I have spoke to Equifax on XX/XX/14 for an hour and they too have informed me of exact details of XXXX incorrectly reporting to Equifax. XXXXXXXX is continuing to not return calls or tell me someone will call me in a day and I never receive a call. I'm stressed and have suffered tremendously from this one situation.
Product: Credit reporting or other personal consumer reports

For the record, this account and the late payment reporting of XX/XX/XXXX is disputed. 
Note to XXXX and XXXX, this account has been disputed earlier this year several times and I am disputing the late payments reported on XX/XX/XXXX to my credit reports. 

I have disputed the account with XXXX XXXX as both AmeriCredit Financial XXXX XXXX XXXX, XXXX XXXX XXXX and dealership XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fraudulently created a second unauthorized retail installment sale contract dated XX/XX/XXXX, and forged a signature purported to be mine that they are using to enforce the alleged auto loan, but I never consented or had knowledge of this fraudulent contract. They created this fraudulent contract for financial gain so they could securitize the contract and receivables and sell it to a XXXX entity so they could sell it on the secondary market/stock exchange while never providing me any monetary consideration. 
I sent them a 12 CFR 1026.13 and 15 USC Section 1666 notice of billing error dispute for the entire account, my account was in good standing and paid through XX/XX/XXXX, but when I learned that both parties were using the fraudulent and forged unauthorized contract dated XX/XX/XXXX to enforce the alleged auto loan they never funded, I started to withhold payments as of XX/XX/XXXX provided by the law and because we are in active litigation in the XXXX XXXX XXXX Washington Case No. XXXX and appeal with the XXXX XXXX XXXX XXXX XXXX XXXX where all evidence and documents are filed with both courts. you can view and download all case files from XXXX XXXX XXXX reported false derogatory information about the account being late as of XX/XX/XXXX, causing irreparable harm to my constitutional rights, liberty interests, reputation and financial stability, creditworthiness and have been harassing me and I am afraid for my life. I have reported them to the police, FBI, Federal Trade Commission, XXXX, and other agencies, but XXXX XXXX and XXXX do not want to abide by the law. Please help me.
Product: Credit card or prepaid card

On XX/XX/2021 a Citibank credit card under my wife 's name was stolen. A fraudulent purchase worth {$2000.00} was done with this card, even though we immediately reported the theft to the bank and declined the purchase via text message. The bank erroneously claimed that the card was in our possession and charged us for this purchase on XX/XX/2021. On XX/XX/2021 I mailed to the bank 's security services office ample documentation showing that the card was stolen and not in our possession when this transaction occurred. This documentation includes phone and text records of our communications with the bank, as well as an email from the restaurant management acknowledging the theft. On XX/XX/2021 I received a letter from Citibank saying that they were " looking into the transaction ( s ) you disputed ''. I haven't heard from them since. It's almost seven months since then. I am attaching all of my documentation and the letters from Citibank in a PDF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that still remains that was never authorized or initiated by me directly or indirectly. I've disputed these inquiries recently with the original creditor but and still haven't received a response. I've also disputed these items with the Credit agencies and was told that they will not remove them because I did not make a CFPB complaint. I understand that for itmes to remain on my credit file, I had to give written or oral permission to furnish any inquiry to my credit report pursuant 15 USC 1681b ( a ) ( 2 ). furthermore this constitutes aggravated identity theft 18 USC 1028 ( a ) ( 1 ). I ask and request for these following inquiries be permanently removed from my credit report from TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX BalanceOwed : {$380.00}.
Product: Credit reporting or other personal consumer reports

I am writing because Ive noticed that some of the tradelines on my credit report are not being reported with the maximum possible accuracy. This is a clear violation of my rights, and Im extremely frustrated that this issue has not been addressed yet.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The is for my Fortiva Financial Credit Card I have.I currently have 2 credit cards from fortiva which are XXXX and my XXXX.My problem is, I always had made my payments on time.It seem like everytime I call to make a payment, they tell me I am late.They always tell me I need more money than I know is due.Its gotten to the point where I have lost all hope with these people and have decided to see about working an arrangement of some sort with the Financial Company, and nobody wants to help me rectify the issue.There is such a language barrier when communicating with the company, that I can't make head or tail by what is being said.Please don't take me saying this as being insulting because I believe everyone should have the same opportunity as I in this country. My concern is how I am receiving the information from the customer service reps.I don't have time to sit on the phone and say over and over again " what did you say'.This becomes frustrating. All I want to do, is pay my bill and get the right information when I call.My credit is suffering greatly due to their negligence.I make plenty of money to afford my bills, I however can't afford extra fees on top of my balance because I can't understand anyone to the point of getting my account under control to know exactly what the balance is and when the next payment is due. I DONT EVEN GET A BILL HALF THE TIME.Please I need someone to call me and straighten this out. My word and my credit is on the line, and it is for all the wrong reasons. It's not that I can't pay my bill, it that I keep getting the wrong information everytime I call.Thank you.
Product: Debt collection

On XX/XX/2021 I, sent a debt validation letter, as well as a cease and desist letter via certified mail to XXXX XXXX XXXX in regards to an alleged debt from ORIGINAL CREDITOR ( XXXX ). XXXX XXXX XXXX DID NOT or simply COULD NOT validate the alleged debt so they removed it from my credit file with the BUREAUS. On XX/XX/2021 the same alleged debt/collection from ORIGINAL CREDITOR ( XXXX ) reappeared on my credit reports under a different Collection Agency name : Receivables Performance Management. On XX/XX/2021 a debt validation letter and cease and desist letter was sent to Receivables Performance Management via certified mail. Violation ( 1 ) Pursuant to 15 USC 1681i ( 5 ) ( A ) ( i ) Treatment of Inaccurate or Unverifiable Information In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Violation ( 2 ) Pursuant to 15 USC 1692g of the FDCPA Validation of Debts ; Violation ( 3 ) Pursuant to 15 USC 1681i ( 5 ) ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). Violation ( 4 ) Pursuant to 15 USC 1681i ( 5 ) ( B ) ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the the information is complete and accurate.
Product: Credit card or prepaid card

I made a purchase back in 2022, and I was told to try to work it out with the merchant and I have been trying to do so. I have spent a total of over XXXX XXXXhrough XXXX. and I have been going back and forth with them, and it seems as though they were stalling. I had no choice but to report back when they tried to close out the resolve after each person has been stalling. When I called back and had Captial one put in my dispute, the guy had me on the phone and filling getting ready. Capital one sends suppose to be secure links and then the links don't work, had me spend three days sending out fax and calling them while waiting for them to turn on the fax machine. I have over 8 to nine transactions slip and the rest were left at the fax location. Then I spent the money to send it through mail as told. So, today I tried the links again to show the transaction slips, etc, but the system kept kicking me out. Then I see the credit back reversed and called to see what the problem was. They told me I passed the deadline of over 120 days, saying that I should have been told. This is after being told to work with the merchant as much as possible, I did thinking after all the proof I sent videos, etc they would just give me my stuff, and pay me back for all the broken stuff. This has upset me dearly becaues Im out with all the broken stuff given to me, missing part of my order with a proof, and the entire package that I put in the mail cuz the papers would not all go. If that's the case why did they waste my time? I want either my money back or my product. They don't have the full package cuz it's in the mail. Nothing was working properly no matter how many times that I tried calling and letting them know. No one was near that fax and everyone is working from home, which is not providing proper help. I have just been cheated completely. You don't get your stuff to after 45 to 50 days after you pay cuz it has to come on a boat from China.
Product: Credit reporting or other personal consumer reports

I received an unknown loan account on my credit report. Which lowered my XXXX XXXX by XXXX points. When I called the loan company which is XXXX XXXX XXXX XXXX XXXX. On XXXX they said a loan I got for {$4000.00}. for my son 's college education was sold to them, in which I never received any notification of this at all in writing or otherwise. I thought legally they had to send me this in writing. But I never received anything from them saying I owed them anything. They said they were sending account information and notifications to my son 's email. Which his name is not on the account, and he no longer uses that email or seen anything on that email from them. I also never gave them or anyone else his email to send information too. The person I talked to at XXXX is XXXX and her XXXX # XXXX. She said she could not give me her last name. So, know they are saying I am 136 days past due on an account I knew nothing about. This is affecting my XXXX XXXX. I want this to be taken off my XXXX XXXX. And all late fees to be taken off my account. Please let me know if you can help me with my case. Thank you in advance for your help. Please also note that my last name was changed from what is on the loan. Due to the fact that I got married. The phone number to XXXX is XXXX. The address to XXXX is XXXX XXXX XXXX XXXX, XXXX XXXX. This is the address XXXX gave me. Their address on my credit report shows as XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have written to Experian credit agency twice ( XX/XX/2023, XX/XX/2023 ) to have them verify my information on my credit report. Both times I included by drivers license, electric bill, phone number and last 4 of ssn, with my complaint. Each time they send me a stall letter saying that these letter don't appear to be from me. In my second letter I added additional statements that this is ME. I believe they are just stalling and avoiding my letters. 
I used template letter found on the internet, and added my personal information and all the documentation I mentioned above. This is just an attempt to make up an excuse for not investigation my issues which I have the right to according the FCRA. 

They are trying to make everyone go there site rather than answer letter ( Legally ) so they can make you agree to there user agreement. I do not want or required to use there website to file a complaint. 

I want all these items removed from my report immediately.
Product: Debt collection

I was hospitalized in 2019 and had a large bill resulting from that. Insurance took a while to cover it, but they did eventually and so I shouldnt even have this debt in the first place. Ive provided proof that my insurance paid out everything that theyre asking for but Ive been harassed incessantly ( called up to 5x a day ) for a year or more now. The debt collection company also keeps changing, the last one I remember was XXXX XXXX and the current one is Harris & Harris.
Product: Credit card

Hello, I am writing to submit a complaint against Wells Fargo, a company that provided me with a credit card and has charged me with XXXX time interest despite the fact I contacted this company in trying to avoid this charge. 

In XXXX of XXXX I acquired a credit card at the store, XXXX and XXXX. The card was provided by Wells Fargo, and according to the terms of the credit card, no interest would be charged for my purchases for up to a year. Since XXXX of XXXX, I made monthly payments to the credit card. 

In XXXX of XXXX I was notified that the card was no longer valid, since XXXX and XXXX cancelled their agreement with Wells Fargo. This meant that I could no longer use the card, which was contrary to the contract signed by me. I did not care about this ; and I continued to pay my debt. The last payment was due on XXXX XXXX XXXX. I made my payment a couple of days later, unaware of the fact that I had been penalized with additional interest. At the beginning of XXXX, my balance was {$390.00}. Since my payment had been late I was charged {$240.00} in interest. This increased my debt from {$390.00} to {$680.00}. 
On XXXX XXXX, XXXX I called Wells Fargo trying to explain that missing my payment had been an honest mistake, and that I had totally forgot the deadline. During this phone call I expressed my willingness to pay my remaining balance ( which was close to {$400.00} ) in trying to avoid the interest payment. I also reminded the people of Wells Fargo that this account was not of any service to me going beyond XXXX, since the card had been cancelled in XXXX. I naively thought that since we were still within the month of XXXX, the people of Wells Fargo could at least show some understanding and offer a reasonable solution. Yet, after half an hour on the phone and having spoken with XXXX different representatives from Wells Fargo XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, I was only offered a reduction of XXXX dollars. According to Wells Fargo Representatives this was the only help they could offer. 

I am writing this complaint hoping you could stop this company from applying such unfair interest to customers such as me, who despite being late by a couple of days, made monthly payments throughout a year. I am appalled by the lack of understanding of companies like Wells Fargo, who can change the terms of a credit card when they want, but would not extend the same understanding or courtesy to their customers. I believe this practice to be unfair, arbitrary, and capricious. As a result of simple, brief mistake my balance -- on the eve of being paid off -- almost doubled. I understand if nothing can be done to help me, but I honestly hope you can look into this so that other less fortunate individuals avoid getting trap by Wells Fargo 's arbitrary practices. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX have reversed them but TransUnionis refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit card

I have an American Express card that I use rarely and pay off each month when I do use it. 
For period of XX/XX/XXXX through XX/XX/XXXX I received my statement showing a total of {$2500.00} in new charges which I agreed with. 

On XX/XX/XXXX, prior to the due date, I paid the invoice off in full. The next period was XX/XX/XXXX to XX/XX/XXXX in which I made no purchased but expected an invoice showing I had paid my balance but none came. 

The next period, XX/XX/XXXX to XX/XX/XXXX I did receive an invoice for showing no purchases and no payments. Although my balance does show XXXX, I have no actual documentation of the payment made on XX/XX/XXXX. 

After speaking with Customer Service I was basically told that that is how the system works and if I would have made a purchase during XX/XX/XXXX to XX/XX/XXXX I would have received an invoice showing the payment. 

I do not think I should HAVE to make a purchase to get an invoice showing that I paid my bill. I told them that if NO transactions had been made then I understand not generating an invoice. But the fact that I made a transaction ( the payment ) should generate documentation for me and apparently they do not want to provide this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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