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

I have three collections reporting from XXXX, I requested an investigation from them directly and from Equifax. I have not gotten a proper response from XXXX I am unsure of the correct reporting and I don't believe equifax  has done a proper investigation into this matter. They just keep verifying the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute letter with the credit reporting agencies in regards to inaccurate items reporting on my credit report. I never received notifications in regards to the investigation. It has now been over 30 days and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and my 30 day letter to comply was sent on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

XXXX : Request for Reinvestigation XXXX, Number : XXXX Dear CFPB, I am writing to formally request a reinvestigation regarding two late payment records associated with my account number XXXX for the months of XXXX and XX/XX/XXXX. Under the CARES Act, all accounts must be reported as " paid as agreed '' from XX/XX/XXXX through XX/XX/XXXX. 

I kindly ask that you ensure this account is updated to reflect my payment history accurately or that you delete the erroneous late payment records. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I settled a debt with Advance America on XX/XX/2019, via lawsuit against them, in the principal sum of {$380.00}. Advance America has now sold the debt to XXXX XXXX XXXX. 

I found that they are now reporting this on all three of my credit reports. 

Advance America are breaking the law by selling this debt. XXXX XXXX XXXX is breaking the law by trying to collect this debt and now illegally reporting it on my credit reports. XXXX, XXXX and XXXX are also breaking Federal Laws by reporting incorrect information on my credit reports.
Product: Debt collection

We canceled our Insurance with XXXX XXXX XX/XX/XXXX and move to XXXX  XXXX.. After receiving several check for premium refunds, we realized XXXX had not refunded the XXXX we had coming on this policy.. I contacted XXXX XXXX XXXX XXXX to inquire about the missing XXXX XXXX contacted XXXX and they gave him the last XXXX of the XXXX card XXXX they had credited for the amount of XXXX We continued to call XXXX over the next 90 plus days to see if anything was ever pending.. XXXX never received the refund so they suggested filing a dispute for the amount XXXX owed.. We finally received credit back to our XXXX account mid XXXX after filing a dispute, we thought things were done and over.. 
I then receive a demand letter from XXXX on XX/XX/XXXX, postmarked XXXX XXXX I contacted XXXX XXXX that same day, he gave my file to XXXX XXXX to work on.. XXXX informs me that XXXX refunded a different card account with XXXX XXXX  XXXX that had been closed for over 14 months..I contacted XXXX  XXXX  and they gave me the transaction ID number and batch number, they received the refund XX/XX/XXXX and kicked it back the same day since it wasn't a transaction that was drawn on their card.. I gave this info to XXXX XXXX and she called XXXX back, now they requested written proof from XXXX XXXX  that the refund was kicked back.. XXXX XXXX  said it would take 7 days and XXXX was made aware if this, in the mean time XXXX sent me to a collection agency on XX/XX/XXXX for the full amount of XXXXThey know this was in-dispute and if they would take time to research there books they would know this ..I contacted XXXX and XXXX today first thing XX/XX/XXXX and they stated ts out of there hands until I can provide proof from XXXX XXXX, this has been hard to gather from XXXX XXXX  on a closed account, they already provided all the transaction information.. It feels like XXXX and XXXX are taking advantage of the little guy and now sending me to collection after giving us the wrong info and refunding to the wrong card... XXXX now has sent us to collections @ Credit Collection Services
Product: Checking or savings account

On or before XXXX XX/XX/2008 I XXXX XXXX XXXX opened a Capital One 360 Savings Account, and since then in XXXX, Georgia they will not let me have access to my account now Capital One are E-mailing me because they have a Breach in Effect and I want my money for years.And also XXXX XXXX have Funds that I don't have access to
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I was approved a personal loan ( consolidation ) for {$7600.00} at 17.29 %. I've been a member of the Navy Federal Credit Union for XXXX  years. I have a credit score XXXX XXXX XXXX which is the credit agency they determine my approval on. I spoke to a representative and a supervisor for clarification regarding my interest rate. It still was not clear as to why my interest rate was so high. I have no late payment, no car loans, no students loans. If I have a decent credit card and payment history why is my interest rate high? What is the point of good credit and payment history if I am to get high interest. These are some of the questions I asked. I did not understand their generic answer.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX reviewed my credit report and found the following items to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months
Product: Credit card or prepaid card

I contacted PNC on XX/XX/2021 and cited claims and defense which they were advised I have a year to dispute the charges. PNC contacted me by phone on XX/XX/2021 and the representative still told me I only had 60 days to dispute the charges. In my request they were reminded of the claims and defense timeframe and the law that I am covered under. However, the representative still would not accept my claim. I asked to speak to a supervisor which she said she was transferring me and it hung up. I have XXXX  year warranties for both of my residences and each claim I have paid out of pocket to fix or had to purchase new appliances. XXXX XXXX XXXX was supposed to reimburse me for paying to fix the items out of pocket and never did and will not refund me. 

Regarding Case XXXX Case XXXX Case XXXX Case XXXX Case XXXX From my correspondence : I am asserting claims and defenses for the charges that have been unresolved in the above cases, I am within the one-year deadline to do so. I am seeking protection under claims and defense and am withholding payment as per Federal Law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 ) and ask that PNC fixes my bill to reflect this information
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I had received XXXX $ USD on the Venmo platform that was owed to me/ belonged to me from another individual and upon withdrawal of said funds, the company froze my account and declined to transfer the cash. 

They contacted me via email from the email address " XXXX '', stating that they wanted to see a government issue ID, which was provided within the same day. After waiting 5 days, the company reached out once more, from the email address " XXXX '' coupled with the name XXXX XXXX, stating that the bank account I tried to add and withdraw to was already on file with the company and that they needed to make sure I have direct access to this account. So they asked for bank statements of the bank I tried to add on XX/XX/XXXX, being XXXX XXXX XXXX XXXX, an account ending in XXXX, which was also immediately provided, the date of which being XX/XX/XXXX. 

On XX/XX/XXXX, they stated that the statements were missing the required information, though this is improbable because I had pulled the statements directly from the financial institution. I had let the Venmo team know that since XXXX is a local credit union, they have their own internal system of account management, and thusly don't show checking/routing numbers on their bank statements, but rather membership IDs. 

At this point, Venmo is holding my money XXXX and not acting in good faith in regard to myself or this matter. 

My request number on file with Venmo is XXXX.
Product: Debt collection

Dear THE RECEIVABLE MANAGEMENT SERVICES LLC, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt. To ensure accuracy and compliance, please provide me with the following : 1 ) A copy of the original assignment contract or agreement that verifies your right to collect on this debt. 2 ) A detailed statement of the amount owed, including any fees or interest. 3 ) Evidence that this debt is within the statute of limitations. Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA. I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

Sincerely, XXXX XXXX
Product: Debt collection

According to the FCra I have the right to ask midland funding to verify the account ending in XXXX because on XX/XX/XXXX midland funding account ending in XXXX was filed with the I.R.S. dept.under a code C which means the account was to old to be reported for payment due.Its canceled debt and has been for 11 months, please verify your account or close your collection from my credit report. -- -- -- -- -- -my 1099-c/1096 form was sent to the c.f.p.b. XX/XX/XXXX by u.s. mail.
Product: Credit card or prepaid card

Citi Double Cash Back Card. I made a typical balance transfer with a 0 % interest. I still used the card for regular purchases which is subject to interest. I pay the minimum payment plus the amount I spent. Unfortunately Citi still charged me interest on my new purchases. I remember that the Law protects us. That payments I make are supposed to go towards higher interest balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for and purpose.
Product: Debt collection

I was involved in a real estate investment over 10 years ago. I lost one property to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a 180 late mortgage only on XXXX. We have disputed this numerous times and asking for proof of the loan. The company is Real Time Resolutions. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to XXXX continues to be they are reporting accurately. XXXX has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach XXXX credit reports. 
Thank you for your assistance!
Product: Vehicle loan or lease

Ally Financial has not been reporting to XXXX or the others credit agencies since XX/XX/XXXX, that they are charging {$8100.00}. I found out about the the co-signing bill after a call XX/XX/XXXX to pay my own bill using my social security that they were still billing after they charged off XX/XX/XXXX, sold XX/XX/XXXX, and closed my son 's account. They stated he owed {$6600.00}, I looked up my credit report and it indeed was frozen, I disputed the discrepancies with XXXX XX/XX/XXXX after trying to speak to Ally and they kept telling me managers would call me back. XX/XX/XXXX Nothing was resolved. I called insisting I speak to a momager they forward my call to HRC Department where XXXX XXXX XX/XX/XXXX offered a settlement after speaking to his managers in escalation that they would agree to accept {$2900.00} or {$240.00} for 12 months as a fair payment to end this. I agreed and asked him to send in writing that they will also fix the 2 different amounts and update the credit report to balance zero and paid off upon the receipt of the funds. He never did. I have called again and left messages XX/XX/XXXX for a week and after several run arounds of he will call me back, now he doesn't exist, said XXXX XXXX XX/XX/XXXX they don't know what I am talking about, and that the information given to me was in error they sent me to collections. And Manager XXXX XXXX will call me back soon. They have never called me or my son to know this bill existed after they sold it and they do not even consider I have been a loyal paying client with my own car I am down to my last 3 payments and my car broke down. I am still paying my car. They are not acting fair and in good conscious towards my situation.
Product: Checking or savings account

On XX/XX/24 I noticed that there were multiple transactions coming in and out of my Savings account ( XXXX to be exact ) in the amount of {$5000.00} dollars. My account went from having XXXX dollars in it to having- {$6300.00} in it. USAA stated that they do not find that Fraud had occurred. I asked them at each of 3 calls as I noticed money being withdrawn, that they freeze or lock my account, and they said they could not do that till the investigation was over. Remind you all of their calls are recorded. Their final verdict was that they would not refund any of my money and that I would have to pay back the negative amount. 

The same thing was happening with a linked account that they gained access to when they got my information from USAA to my XXXX  and they stopped it and allowed me to close my account and open a new account.
Product: Credit card

I request your help in reviewing accounts from companies that have inaccurately reported late payments. Upon checking my credit report, I found some accounts with late payment remarks that should not be there. These accounts should reflect no late payments.
Product: Credit reporting or other personal consumer reports

I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in and I know that they did not provide you this information as they explicitly stated that they don't report information to anyone. 

But I guess you use XXXX  to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

" XXXX  XXXX Bankruptcy '' with Reference # : XXXX. 
Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report.
Product: Debt collection

In XX/XX/XXXX I was under XXXX  by the florida department of corrections on a XXXX  in florida, I was in the back of a transport vehicle and that night the officer driving must have dozed off because he hit the edges of the railing and the XXXX rocked back and forth violently. I was squished between the metal seats ( while in cuffs ) and another inmate who was larger around 300 lb at least. I was having XXXX XXXX XXXX and the officers did not report the incident. Instead they continued to drive in fear of their own jobs and avoided the situation. I was passed along to another van transport whom was concerned with my health and took me to the XXXX XXXX XXXX XXXX whom is now charging me, but I was A ) in XXXX  up until ( XX/XX/XXXX ) and B ) If anyone is to be charged with this debt it is the police, the department of corrections of Florida.
Product: Debt collection

This is a follow-up to the initial complaint I submitted in regard to the debt collection agency by the name of GCFS , INC . The California State Attorney General determined that any loans given out by XXXX XXXX were illegal. Therefore, the debts do NOT have to be paid back.XXXX XXXX was a predatory lender giving out illegal loans to people who they knew who default on the loans. GCFS, INC bought the loan from XXXX XXXX and they have been harassing me for over 10 years now! GCFS, INC has obtained judgment against me in the amount of {$7700.00}. Although the loan I took out back in 2006 was only for {$2600.00}, not only that, but I paid on the loan for 1 year which means I paid off 50 % of the loan, if you deduct all of the ridiculous interest rates XXXX XXXX imposed on its victims. It is ILLEGAL for GCFS, INC to continue to pursue me to collect a debt that was ILLEGAL to begin with! I am also contacting my state attorney General 's office and submitting a complaint against GCSF, INC.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX  NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY XXXX REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY TRANSUNION, XXXX, AND XXXX REPORT. MY INFORMATION WAS BREACHED VIA XXXX BREACHES, TRANSUNION BREACHES, AND ALSO XXXX. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

SincerelyXXXX 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
Product: Credit card or prepaid card

An exorbitant late fee was assessed on my Victoria Secret newly opened credit card. They claim that the payment was received late when it was mailed well in advance. They refuse to take the charge off the account because I want to close the account. I told them they will need to both take the charge off and close the account. I believe what they are doing is offering a discount at point of purchase and then earning it back by charging a late fee on the account on the first payment. 

They claim that they are the same as other Comenity Bank credit cards. Other store credit cards with Comenity make the bill easy to pay electronically and put the account number on the bill. The account number is missing from the Victoria Secret bill and they charge a late charge of {$30.00} that appears to be non negotiable. I have not even received my credit card yet! Customer service also has a tendency to put the customer on hold and then hang up on the customer. It all appears to be a bit shady. I want to report it because I seriously think they are bordering on fraud.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B obligates us to eliminate any inaccurate accounts from my credit report. Can you check the documents? Some of the accounts listed contain errors in the reporting, as well as incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is greatly appreciated.
Product: Credit card or prepaid card

There is an issue with your account, Please contact Customer Service at XXXX. 
You will not be able to make purchase with your card until you contact customer service. 

I was trying to make a purchase and the Synchrony bank inappropriately tagged the car part as fraud and 3 times denied my purchase the item cost was {$350.00}. While the vendor was on the phone they rejected my card and when I called they marked my purchase as fraud. Numerous phones calls were made to rectify this issue and they refused. The fraud department employees claimed they could not validate my identity and insisted that I take a picture of my drivers license or take a video. Apparently there is a language barrier as the calls were routed to XXXX and the employees were rude and unprofessional. They called me on my home number I answered and my cell and stated neither number which they have on their credit card record is registered to me. I find that UNBELIEVABLE AS THEY SEND ME TEXT MESSAGES AND THE OTHER NUMBER IS ON MY ACCOUNT PROFILE. The credit card is current and in good standing since 2011. I
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and neglected to inform affected customers until months had passed. Equifax managers dumped stock with insider knowledge that the news would affect the price. 

Additionally, they have set up a website to check if we were affected. By checking if we were affected, we waive our rights to a class action suit in the future. This is extremely shady, almost certainly illegal and should be prosecuted.