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

I filled a dispute regarding my XXXX XXXX XXXX account and they agreed to delete/remove it from my credit report. This company RESURGERECVE, is trying to collect on an already settled account. I need help to resolve this issue please. Thank you very much.
Product: Debt collection

THIS DEBT IS NOT MINE. PLEASE SEND ME ORIGINAL COPIES WITH ANY WET SIGNATURES AND PLEASE SEND ME A NOTARIZED COPY SWEARING UNDER PENALTY OF PERJURY THAT YOU WERE PRESENT DURING THIS ALLEGED DEBT. 

IM ALSO REQUESTING THE METHOD OF VERIFICATION AND FULL DISCLOSER AND WHO YOU SPOKE TO, NAMES, ADDRESSES, PHONE NUMBERS.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 25 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account :XX/XX/XXXXXXXX Account number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

This invalid and inaccurate item with an Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. that XXXX and Experian department were continuously reporting and furnishing on my credit report has long been removed from the XXXX side on XX/XX/2023. 

Im not really sure where the gap of communication begins, but I trust that they were all reporting to the same and one and only furnisher. So, might as well remove this account from their record as prompt as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Today I just so happened to look over my credit and I noticed multiple FCRA violations but specifically these erroneous late payments. You all must have your files mixed up because the information isnt correct. Are you all checking behind these debt collectors like you are supposed to or are you just reporting whatever? Please erase these erroneous late payments immediately! 

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

Dear Sir or Madam : I AM A VICTIM OF ID THEFT ; THOSE LISTED ACCOUNTS AREN'T MINE. Please block these informations from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. I appreciate your prompt attention to this matter and await your reply. 

SINCERELY, XXXX XXXX
Product: Credit card or prepaid card

I have reached out to Citibank credit card customer service to reduce the APR for purchases regarding my account, but have been unable to do so. I have been a client with them for over XXXX  years, never missed a payment due date and have a good credit record background. I believe the APR percentage of 28.49 % is too high for the account. And it should be taken into consideration having it reduced.
Product: Debt collection

This complaint is against the Priceline Rewards Visa Credit Card who is constantly harassing me by making phone calls even in the middle of the night or early morning asking me to pay the credit card balance which do not belong to my transactions.

I was able to use this credit card for a very limited number of times. It was declined most of the time. However, I made the payments and decided not to use it in future since its embarrassing. Now I have been receiving letters from Priceline that the account has been closed, however, I have been still asking to pay the amount of {$280.00} which includes the late fee and interest charges of each month from XXXX to XX/XX/2018. I fail to understand on what transactions the late fee and interest charges have been imposed. Since Im unable to use this card for a long time, I dont have any transactions made on this card or payments that I owe yet I have been constantly harassed by their phone calls and letter. Though I have signed up for Paperless statements but still Priceline Rewards Visa credit card is wasting the paper of the United States. 
Id really appreciate if u could resolve this issue by clearing this account. 
I have used the card only before 2018 began and the total transactions made were of {$320.00} which include some of the returns as well. Payment was made in full. 
As per promise, I was supposed to receive the statement credit of {$100.00} right after making the first purchase but it made me numerous phone calls to receive the statement credit that I owed. 
It was a terrible experience and Im seeking your help to resolve this issue and close my account after clearing the balances. 

Thank you.
Product: Credit card

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a woman on XXXX contacted me about Covid-19 stimulus check designed only for military member and show me fake proof of how many other service members she had helped. The process was if you have navy federal credit union bank or XXXX bank you are qualified for this type of stimulus check. She put me on contact with someone she said was her manager to walk me through the process. The guy claimed to work for Navy Federal and told me about how much money I was qualified for. He made me took loan and applied for credit card for total amount of {$29000.00} and the payment was made in three deposit. He told me none of this were going to show on my account and there were nothing to worry about that the money was legit and navy federal does not really want its customers to know about this type of funds. I had to sent him {$7000.00} then {$3500.00} and after that he told me to take out {$6500.00} out of my credit card for cash advance and send to him. They used my credit card to buy things at XXXX. When I was realized it was a scammed and such thing does not exist I reported those transactions to navy federal and they hold me liable for that they do not care about me being victim of a scam. I sent them a written letter about why I should entitled a refund they denied it.
Product: Debt collection

Enhanced Recovery is reporting a fraudulent account on my credit files. I did not open nor consent to this account being open. I will exhaust all legal avenues afforded to me to get this account removed from my credit. I will sue said creditor or collection agency in small claims court within 14 days of receipt of this complaint. 

Enhanced Recovery CO L  XXXX {$300.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year>2023 Please remove it from my credit report. 

XXXX violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX-******************* Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


According to the provisions of the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my report. I understand that you will verify these items with the respective creditor. Any information that can not be verified by the creditor should be promptly removed. I am aware that, in accordance with 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly ask that you notify anyone who has received my credit report in the past six months of any corrections made. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$8800.00} XXXX XXXX Balance : {$140.00XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 05/29/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

my mom got a letter in the mail from mel s harris assoicates she is XXXX years old and they threaten to close her bank acounts she paided off the debt of XXXX dollars all she gets is social security and a pension, She was paying XXXX a month, my mom has know saving account she lives paycheck to paycheck, The debt was with housebank for XXXX in 2004 they threatened to close her bank accounts she gets direct deposit thats why she paided the whole amount and they never served her with papers
Product: Checking or savings account

I am filing this complaint against Chase Bank. On XX/XX/XXXX I filed a dispute for charges on my Chase debit card due to services not rendered. I began a payment plan for a trip that was scheduled from XX/XX/XXXX to XX/XX/XXXX. The trip was canceled by the provider XXXX XXXX XXXX. I did not cancel the trip. I made the following payments XX/XX/XXXX ( {$190.00} XXXX, XX/XX/XXXX XXXX {$850.00} XXXX, XX/XX/XXXX XXXX {$850.00} XXXX, XX/XX/XXXX ( {$850.00} XXXX, XX/XX/XXXX ( {$850.00} XXXX and XX/XX/XXXX XXXX {$850.00} XXXX. I explained to Chase rep that i was on a payment plan for this trip and that it had been canceled by XXXX. I can not contact XXXX because they paused all operations on XX/XX/XXXX as per the email they provided it also stated to contact the card issuing bank for refund, which i did. I did not recieve the service i was paying for. Chase stated that they had 60 day liability, which is unacceptable especially during this time of a pandemic and i did not recieve the service. I am requesting a full refund for services i did not recieve.
Product: Bank account or service

Bank of America continues to deny me the ability to open an account after I have reported fraud on an old account as well as including it in a bankruptcy because they refused to honor the identity theft police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed disputes to XXXX, experian and XXXX on XX/XX/21 because there were some incorrect items reporting in my credit reports from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. I requested the verification of the account and in accordance to section XXXX, a copy of the signed credit applications and payment histories for the accounts but, I never received a response so on XX/XX/21 I send another request for disputes to all XXXX bureaus. No response again and I sent another set of disputes to all XXXX bureaus on XX/XX/21, and again no reposonse. I sent another XXXX disputes to experian, XXXX, and transunion on XX/XX/21 and again no responses. Another XXXX disputes sent out to each of the XXXX credit bureaus on XX/XX/21 but, at this point, since I haven't received XXXX response yet, I'm not expecting to hear back... which is very disappointing since I know there's a law saying that the credit bureaus have XXXX days to respond and it's now been about XXXX months and I haven't received XXXX response. I would like the CFPB to remove all of the accounts that I have been disputing for the last XXXX months from my credit reports because the XXXX credit bureaus have violated the law and not completed their investigations accordance with the XXXX. I am attaching a copy of my ID and social security card so you can verify my identity. Please also fine the credit bureaus the maximum amount allowed by law for ignoring the law. My next email is to my congressman and I will not let this issue go.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate personal information that does not belong to me with included inaccurate names and inaccurate addresses. There are unauthorized hard and soft inquiries that I did not give consent or permission to and that I am totally unaware of. And they are reporting transactions and experiences on an account that is to be excluded from my consumer report. This has paused me to be declined credit and ruining my reputation and defaming my character.
Product: Credit reporting or other personal consumer reports

Transunion has sent myself numerous letters stating that they have deleted all of these Hard Inquiries from my Consumer Credit Report, but when I login on-line I can still see everyone of them. They're sending me false claims of progress. I have filed a claim in the Federal Court System as a means to rectify the situation, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
In addition, these inquiries are not supported by Metro 2 Compliance! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am a victim of the equifax data breach and would like all accounts mentioned to be blocked and deleted pursuant ton15 USC 1681c-2 ( a ). 

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

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX  {$800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ( XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ( XXXX ) XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$750.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} ( XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$750.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX {$28000.00}
Product: Checking or savings account

On XX/XX/2018, my TD Bank debit card was charged {$84.00} by XXXX XXXX in an unauthorized transaction. 

I immediately messaged TD Bank and asked them to deny the transaction and credit me the debited amount. 24 hours later I was messaged that I was required to go to a TD Bank branch and file a " Form XXXX '' I asked TD Bank to fax or email me the form to fill out ; they messaged me " no can do. '' I explained that I live 50 miles from the nearest TD Bank branch and that I am unable and unwilling to drive that distance. 24 hours later I was messaged to call the phone number to have a customer service person fill out the form for me. 

I tried calling the TD Bank phone line but on each of several attempts was told " the hold time is in excess of ten minutes. '' After my first hold went 20 minutes I hung up and messaged TD Bank again with this complaint. 

I have been a customer of TD Bank for many years. Although the folks who messaged me were in every way polite and respectful, they insisted this is the only way to dispute a transaction. Interestingly, XXXX XXXX has a link on every transaction to dispute it. 

I am still without the {$84.00}. 

Thank you for your help.
Product: Checking or savings account

From inception I/we declare our intent that all transactions are redeemed in lawful money. The FDIC amount has never reflected to ensure that consumer account would be properly funded as a result we faced an injury due to negligence that lead to returned checks and a disconnection of my light services. This is a billing error resolution dispute pursuant to the truth in lending act. A reflection on or with a periodic statement for an extension of credit, being held by a third party intermediary, has not been made to the consumer, nor reflected on the periodic statement for the account which the extension of credit was created. Consumer asserts rights as account owner, which is verified by the attached documentation, evidencing authority to use the consumer 's credit card or open-end credit plan.
Product: Debt collection

I held a membership with XXXX XXXX, which was initially contracted for a 12-month period. However, I received communication from the gym 's cashier informing me of an outstanding balance. At that point, I explained that I had relocated to a different city and could no longer access the gym 's facilities. The cashier then clarified that, according to their membership policy, I was obligated to fulfill the full 12-month contract term, even if I was not using the gym. 

In an effort to resolve the issue, I inquired about the amount required to settle my contract. I was informed that my remaining balance stood at {$190.00}, to which I agreed and subsequently paid. To my surprise, I have now been contacted by a debt collection agency, First Credit Services, claiming that I owe them {$220.00}, and this matter has already been reported to major credit reporting agencies, including XXXX and XXXX. 

I am seeking to file a dispute with the Consumer Financial Protection Bureau ( CFPB ) with the hope that they will investigate and rectify this situation. I believe there may have been an error, and I am more than willing to provide any supporting documents that may be necessary to demonstrate the resolution of my contractual obligation and the improper reporting to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report to see that XXXX XXXX XXXX XXXX is still trying to collect an alleged debt. I have reported this is Experian over 30 days now. This account is violating my privacy, defaming my character, ruining my family, and hurting my score.
Product: Debt collection

My daughter visited a doctor in XXXX where she is a college student. The doctor sent the bill to a previous address. The doctor turned the bill over to Wakefield and Associates in XXXX, TN. She told them to contact me ( her mother ) as I was responsible. They are still contacting her. I have contacted Wakefield at least 7 times in the past 8 months requesting a written statement for the bill. Last night ( XX/XX/XXXX ) I spoke to XXXX who claimed he sent me a bill on XX/XX/XXXX. I told him I never received it and once I received it I would be happy to pay the bill. I have a credit score in the high 700s and  always pay my bills in a timely manner.

Wakefield and Associates are contacting my daughter even though she has told them to contact me. They will not send me a written statement.

Wakefield and Associates phone number is XXXX.