23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I had a XXXX XXXX and paid {$XXXX} via my Comenity Bank credit card which covered my XXXX deductible. On XX/XX/year>, I had another medical appointment, and this office filed their claim with XXXX prior to the first visit and I was not aware of this issue until I received a bill from the XX/XX/year> appointment and paid the bill of {$XXXX} via my credit card. I contacted the medical office I had been at on XX/XX/year> and was told by their billing department that they had a credit on my account of {$XXXX} and claimed they had credited my charge card on XX/XX/year> for the overpayment. I waited for XXXX month for this transaction to be credited to my account before I reached out to XXXX XXXX XXXX XXXXXXXX XXXX. On XX/XX/year> I spoke with their representative who told me this dispute should be resolved quickly as medical offices do not like these types of disputes. On XX/XX/year>, I received a letter from XXXX requesting all the information I had previously given to their rep over the phone on XX/XX/year>. Prior to receiving this letter, I had been calling the automated customer service line which indicated the dispute claim was pending. On XX/XX/year>, I sent a letter to XXXX with the information they requested in their XX/XX/year> letter. On XX/XX/year>, I received a letter from XXXX stating they had received my claim and were currently researching it. I had periodically been calling the automated system to find out the status of the dispute, and it was indicating it was pending. Today, XX/XX/year>, I spoke with " XXXX '' in the XXXX XXXX XXXXXXXX. who told me that he could see there was a dispute but could not tell me if it had been resolved. He transferred me to the XXXX XXXX, and I spoke with " XXXX '' who informed me that the dispute had been resolved and the outcome was not in my favor but could not tell me why. XXXX stated a letter had been sent to me dated, XX/XX/year> explaining the resolution. I never received this letter. I asked that the letter be resent or emailed to me, and she informed me she could not do this. I asked her to tell me what the resolution was, and she could not do that either. She then stated I would need to restart the dispute process over again via Comenity Bank 's secure message website. I have had enough of attempting to get this dispute resolved since XX/XX/year> to no avail.
Product: Credit reporting or other personal consumer reports

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccurate information in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Brigit is a money lending service. I last used their services over two years ago. They charge a {$9.00} monthly fee. I unlinked my bank from their service two years ago. I haven't used them or been charged the {$9.00} since. 

On XX/XX/2021 I was charged the {$9.00} I contacted my bank to dispute the charge. I emailed Brigit support. Customer agent - XXXX told me even though I haven't been charged in 2 years I am being charged now because my account was never canceled. She agreed to refund me. But said I'll still be charged the {$9.00} membership fee until I repay the loan. 

I asked her again to not charge me and close my account.
Product: Credit card

In XXXX XXXX, I opened a Best Buy credit card to purchase a TV, interest free if paid within 5 years. In XXXX XXXX, I fell behind on payments. I rec 'd a call from a Best Buy rep who stated that I was only a few payments behind and that if I paid the past due debt I would be all caught up. The rep also stated that I can continue my monthly payments, interest free, and be restored back to normal status. With that in mind, I set up auto-pay to my checking and continued to pay for the next year, receiving my monthly e-bill from BestBuy and receipt that the month was paid. Then, in XXXX XXXX, I received a bill that had a late payment on it. I called best BestBuy and stated that I had Auto-payment and sufficient money in my account to cover the monthly debit. They stated that the account was sold to Citigroup and to call them. I called Citigroup and asked for the late payment to be removed and informed them that I had made an agreement with BestBuy to pay late payment the year prior, and subscribed to auto-pay. Citigroup informed that they were unable to remove the late payment charge and that only Best Buy could. I then called BestBuy and they again directed me to Citigroup. I continued to receive emails from, and labeled, BestBuy for my monthly payments. However, when I clicked on the " paybill '' link ( every month ), it continually led me to an " error, please check back later '' page. Now, 6 months later, the account went into default and Citigroup added on the total interest charges for a bill of over {$2000.00} ( which just prior was {$700.00} remaining on payments, absent the " late '' charges ). I believe that BestBuy is obligated to honor our agreement that I be able to continue my interest free monthly payments in accordance with our original contract. I also believe that the late payments, interest charges, and charge-off that now reflect on my credit reports should be removed, and that Citigroup and BestBuy should be fined for violated consumer credit protection laws.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft, my former roommate opened a XXXX XXXX  with XXXX XXXX Credit Card account in my name and pretended to be me racking up thousands of dollars in debt that caused my credit score to tank. In addition, I lost my employment between XXXX XXXX XXXX which put me further into debt along with losing my home, my car, being homeless for nearly two years with no unemployment, no family, no friends and various mental health issues that have prevented me from being employed. I AM ASKING THAT THEY COMPLY LIKE THEY SHOULD AND REMOVE BOTH ACCOUNTS FROM MY CREDIT REPORTS ALONG WITH THE REIMBURSEMENT OF LEGAL FEES. I AM SICK OF THIS SITUATION WHICH HAS PREVENTED ME FROM WORKING A REGULAR JOB AND HAVING A PERSONAL LIFE
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I called Equifax customer service would not help and take care of the negative inquiry reporting to my report. I am not aware or did not authorize this transaction. 
Inquiry : XX/XX/2021 XXXX XXXX XXXX
Product: Debt collection

I hope this letter finds you well. Upon reviewing my credit report, I discovered inaccuracies regarding late payments that do not align with my consistent history of timely payments. XXXX  CREDIT XXXX and XXXX XXXX CREDIT XXXX I believe there may be an error in the reporting and kindly request a prompt investigation into this matter.
Product: Credit card or prepaid card

To Whom It Concerns : On XX/XX/XXXX, I attempted to purchase 2 airplane tickets via XXXX for {$410.00}. 

I changed my mind on the {$410.00} ticket purchase and processed a cancellation order on XX/XX/XXXX. 

The Flight Cancellation was accepted by XXXX on XX/XX/XXXX and XXXX promised to credit my account for the {$410.00}. 

Several months later after not receiving credit I called XXXX and they stated to me that my cancellation was not submitted. They asked that I provide proof of the cancellation. I had difficulty finding the " cancellation '' receipt. 

I contacted XXXX XXXX in XX/XX/XXXX and asked that they intercede. They gave me a temporary {$410.00} credit but reversed the credit on XX/XX/XXXX when I had not supplied the written documentation they requested. I subsequently found the XXXX cancellation receipt around XX/XX/XXXX and presented it to XXXX XXXX and XXXX for my {$410.00} credit. 

XXXX XXXX has not credited me the {$410.00} because they are still waiting on a response from XXXX. 

I am asking for whatever assistance you can provide to expedite the return of my {$410.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I have been submitting over 20 dispute letters in the past two years to experience. Not once were they able to comply with the regulations and remove the falsely reported Bank of America account on my credit. I have attached every response letter I was able to find where you can clearly see that not once were they removing this account. I have been extremely patient and follow the regulations of the 609 law that protects my rights. 
However XX/XX/XXXX failed over two years to remove a single account. This is why I refuse To communicate with experience in order to resolve the issue and have been addressing CFDP in order to assist me with this matter. If you need any additional information please let me know. This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 30 days allowed. As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. Account # Bank of America
Product: Credit card

___________________________UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HEREBY ON BEHALF OF PRINCIPAL ACCEPT ALL TITTLES, RIGHTS, EQUITY AND INTEREST -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE IT IS FACT I AM FULLY AWARE THAT AMERICAN EXPRESS HAS OBTAINED MY ORIGINAL CREDIT CARD AND HAS OBTAINED MY CREDIT CARD APPLICATION WHICH HAS BEEN SECURITIZED AND AMERICAN EXPRESS HAS A OBLIGATION TO PERFORM UNDER THE TRUST INDENTURED ACT OF XXXX AND SECURITY EXCHANGE ACT OF XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DESPITE UNLAWFULLY CLOSING DOWN MY ACCOUNTS OVER ALLEGED MONEY AMERICAN EXPRESS " DID NOT '' LEND TO ME AND CAUSING ME MASSIVE FINANCIAL HARM AND CHARACTER DEFAMATION, AMERICAN EXPRESS HAS DENIED ME MY RIGHT OF ARBITRATION AND HAS FAILED TO RESPOND TO MY CONDITIONAL ACCEPTENCE WHICH AMERICAN EXPRESS RECEIVED AND ACCEPTED UNDER THE POSTAL RULE BIENG NOW IN DISHONOR. NOTICE IT IS FACT IF AMERICAN EXPRESS DOES NOT REINSTATE MY ACCOUNTS AND CONTINUES TO BENEFIT FROM MY SECURITY WITHOUT GIVING ME ANY BENEFIT THAT IS AUTOMATICALLY A VIOLATION UNDER 15 USC 1644 AND SECURITIES FRAUD WHERE COURTS WILL HAVE EXCLUSIVE POWERS TO REGULATE VIOLATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was illegal obtained. I never opened these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE received my tender of payment on an account, kept it ( theft and fraud ), didn't credit my account, closed all 3 of my capital one accounts, added late charges and reported incorrect balances on my consumer report. CAPITAL ONE dishonored a lawful tender of payment.

CAPITAL ONE is in violation of 15 U.S.C 1691c ( adverse action against a consumer )., 15 USC1691- Adverse Action and discrimination against me, 15USC1681 ( S ) ( 2 ) - Willfully reporting inaccurate information to a consumer reporting agency. CAPITAL ONE kept my payment and didnt apply it to my account.18 USC CHAPTER 47- Fraud and false statements I am aware and know that any transaction to discharge debt liability is in accordance and compliance with UCC 3-104, 3-311, 3-603, 3-415, 1-304 and that any documents transmitted on behalf of the debtor to discharge debt liability on behalf of the debtor are in full accord with HJR 192 ( June 5, 1933 ), Public Law 73-10, UCC 3-419, 3-11, 3-603, 3-415, 1-104 and 10-104/2A-104. 

I have been met with resistance in a matter that shouldn't be this hard to remedy. If federal laws are not upheld I will initiate the litigation process against CAPITAL ONE.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy was dismissed by choice and judge. I didnt qualify. The case was dismissed in XXXX XXXX days after incomplete file. 


I didnt need to pursue this case why you sought dismissal. And addition the Judge the case was thrown out. 

I soon recovered and paid all necessary items to current. 

I m Request to have the credit bureaus to remove the bankruptcy from my credit report. 
It was dismissal meaning that the bankruptcy never occurred. 

This is effecting my life and credit. I requested to have item deleted and was unsuccessful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dispute Department [ XXXX Address ] [ City, State, ZIP Code ] Subject : Dispute of Erroneous Information on Credit Report Dear Sir/Madam , I am writing to formally dispute and request the immediate removal of multiple hard inquiries listed on my credit report. Upon reviewing my credit file, I discovered that these inquiries were made under false pretenses and have significantly impacted my financial well-being. 

Furthermore, I would like to bring to your attention the inaccurate reporting by XXXX XXXX on my credit report. The company has falsely reported late payments, despite having made payments as per the agreed-upon schedule. I possess documented evidence in the form of email receipts that clearly display the payment dates. 

In addition to the aforementioned discrepancies, I am deeply concerned about the reinsertion of the XXXX XXXX account on my credit report. Despite providing substantial evidence, including a police report, Social Security details, drivers license, and a fraud report, the credit bureaus have failed to rectify this error. 

Moreover, the impact of these inaccuracies has been far-reaching. Not only have I experienced repeated denials for credit, but I have also faced denials for insurance coverage, rendering me unable to insure a newly acquired vehicle. This has directly affected my ability to work and maintain a stable living situation, leading to homelessness. 

I have diligently cooperated by providing extensive information and documentation upon request. However, despite my efforts and compliance, I continue to face this ordeal daily, with ChexSystems unjustly blacklisting me due to the association with the XXXX XXXX account. This unwarranted blacklisting has further hindered my access to financial stability and residence. 

The toll on my mental health has been severe, considering the distress caused by this situation. Its unacceptable that despite promises to rectify the errors, the credit bureaus continue to neglect my case, leaving me in a precarious and unjust situation. 

I demand an immediate and conclusive resolution to these matters. Your failure to rectify these errors has perpetuated undue hardships on my life. I require a detailed explanation of the investigative process that fails to identify the discrepancies in account names, which clearly do not correspond to my identity. 

Enclosed are copies of the evidence and documentation supporting my claims. I implore you to thoroughly review this information and promptly rectify the errors on my credit report. 

Please acknowledge receipt of this dispute letter and initiate a comprehensive investigation to address these issues with urgency. Your swift action in correcting these errors is imperative to restoring my financial integrity and mental well-being. 

I earnestly anticipate a swift and definitive resolution to these pressing matters. 

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

Account is supposed to show paid charge off as of XX/XX/2022. It was fixed about two months ago, but it came back listing incorrectly as a charge off. This is the third time I'm making a complaint to update the account properly. It's really dinging my credit reports. 

Update accordingly.
Product: Debt collection

I have a remaining balance of {$3600.00} on a school bill I paid out of pocket for. Months ago, in fact almost a year ago I was contacted by Key 2 Recovery for this balance which was originally XXXX.. I have paid {$100.00} to {$250.00} a month since being contacted. At this time the past few months I have paid {$150.00} a month with no missed payments. And now they are calling me trying to state that even though the account is current and is being paid some how they state I have a hardship now against me. They are wanting me to pay a large lump some of money more then what I am paying now. File # XXXX this again is through Key 2 Recovery and the girl that is handling my account at this collection agency is named XXXX who can be reached at extension XXXX.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Student loan

I have been paying on my student loan for over 18 years and the balance of the student loan dont seem to reflect payments applied and interest has been applied incorrectly. Balance from department of education to Navient was also done incorrectly where the principle balance was incorrect.
Product: Debt collection

My father and I have the same name. I am a "  XXXX  '' and the collection agency was trying to collect a debt from me that was not mine, rather my father 's. I have called the collection agency as well as the credito r (   XXXX   XXXX   ).  They called the situation " skip tracing ''. This was never my debt, but is effecting my  credit score. I just want it all to vanish to raise my score back up.      Thank You
Product: Debt collection

I have a right to privacy pursuant to 15 USC 1681 and my federally protected consumer rights are being violated. 

12 CFR 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent because the consumer failed to pay the disputed amount or related finance or other charges. 

See attached.
Product: Debt collection

Apparently I have old debt that I never could pay off. It has been atleast XXXX years and I am still getting calls from Portfolio Recovery.