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

I cancelled my XXXX XXXX account and returned my equipment XX/XX/XXXX. I kept getting billed for the amount of the equipment, even though I had already returned it. It wasn't until late XX/XX/XXXX that they finally credited my account ( I have the return receipt to prove it was returned ). During this time, XXXX XXXX sent the bill for {$140.00} to collection. When they finally credited my account, I contacted XXXX XXXX to check my balance. I was told my account had a XXXX  balance and the agent suggested the {$2.00} had been written off. They were not even aware my bill had been sent to collection. 
When I contacted Credence, with the assistance of XXXX XXXX, Credence argued that the entire balance of {$140.00} was an outstanding debt. The only amount that may have been outstanding was the {$2.00}, which I paid at that time, even though XXXX XXXX told me I owed nothing. 
I have appealed this negative record on my credit report and Credence refuses to remove the {$140.00} that I never owed.
Product: Debt collection

I've been requesting an investigation of my account with THE BUREAUS INC for several months. They have incomplete and incorrect information, but their response has been minimal. What's worse, they've retaliated by adding {$1.00} to my balance every time I dispute it, and then taking it back, which has permanently harmed my credit score. This has had a negative impact on my career growth and future prospects.
Product: Credit reporting or other personal consumer reports

XXXX XXXX at XXXX XXXX XXXX XXXX, TN XXXX D.O.B. XX/XX/XXXX SSN # XXXX on XX/XX/XXXX Re : XXXX  Block Request : To whom this may concern, The information that is listed below, which appears on my credit report is the result of that XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Block this information from my credit profile within the next 4 days, pursuant to Section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I do greatly appreciate your prompt expedited action to this matter. 

Enclose proof of identity XXXX  documentation. 

Sincerely, XXXX
Product: Checking or savings account

I notice a Wells Fargo Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission and acknowledgment.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

Review the documents I've attached when it suits you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sorry but I have already made a claim with your office but I have new documentation so I was told to redo my claim. On  XXXX   XXXX    XXXX   I disput ed 1 BK and 6 Tax Liens  on my Equifax. They remo ved 1 BK 5 Tax liens ( with c fpb 's help ) on  XXXX   XXXX . Equifax but back on the BK a few days later. Equifax also sent  me a letter ( att ached ) stating that I do not have a BK on  XXXX   XXXX . Then sent me another letter on the same d ate ( attac hed ) saying I do have a BK  and 1 tax lien. I have attached a letter from the County Clerk 's   office stating they do not report to credit bureaus yet my report states  XXXX   XXXX   XXXX  reported to them. This seems to be incorrect report p er the Federal Laws. I hav e attached proof of the information stated.
Product: Checking or savings account

I opened a checking account with Citi earlier this year to obtain a {$200.00} promotion they were offering. 

After leaving more than {$5000.00} into my account for months ... I did not see the promotional credit. I attempted to reach out to them to obtain the credit but they were evasive and denied me. 

In early XX/XX/2019 I XXXX  out my account and asked for a closeout. After no closeout was processed, Citi proceeded to charge me a $ XXXX  monthly maintenance fee for low balance ... despite my request to close the account out and not have any money in the account. That fee made my balance XXXX ... which then triggered an automated {$34.00} overdraft fee from Citi. I proceeded to complain in early XX/XX/2019 and they indicated they would override the {$25.00} maintenance fee ... but kept the overdraft. However they assured me that both fees would be waived when closing my account on XX/XX/2019. After a week, i had to contact them again on XX/XX/2019 since my account was still not closed. 

I believe this is unethical. They first neglected to honor their promotional credit ... then charged me multiple fees to reduce the promotional credit they promised. Then they made it quite difficult to close the account ... I've made 3 Requests at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a letter about 2 accounts listed on my personal credit report and Equifax replied in a letter stating one of those were not reporting. That account is still reporting as of XX/XX/19 and I want it removed immediately.
Product: Debt collection

In 2018 i refinanced my house with XXXX XXXX. I owed XXXX to XXXXXXXX XXXX XXXX for a credit card. XXXX wrote a check to XXXXXXXX XXXX for the total amount due of XXXX payable to XXXXXXXX XXXX. I sent XXXX ; XXXX the check and the debt was declared paid in full by XXXXXXXX XXXX. Apparently XXXX XXXX had hired a collection agency named TrakAmerica for my debt. I have no recollection of dealing with TrakAmerica, but either XXXXXXXX XXXX failed to notify TrakAmerica that they received payment or TrakAmerica failed to remove it from the credit bureaus because I have just refinced my house again with XXXX to get a lower interest rate and once again they have made another check to XXXXXXXX XXXX for the same XXXX. I have now had to pay XXXXXXXX XXXX twice for the same debt. XXXXXXXX XXXX tells me I will have to contact TrakAmerica. However, my Check is made out to XXXXXXXX XXXX and since I don't owe the XXXX XXXX 's will have deposit the check and reimburse me. XXXXXXXX XXXX or Trak America should have removed this debt from the credit bureaus so I didn't have to pay it twice, If you could help me clear this up I would appreciate it.
Product: Credit card or prepaid card

I have a {$25.00} gift card with DEBT and Visa on its face. Card # XXXX XXXX XXXX XXXX exp XX/XX/21. 

I try to register it on line so I can use it but fail to log in as it does not recognize the card # and code. I subsequently called XXXX XXXX trying to resolve the issue but only get recorded msg that kept on saying it does not find my card # reported. In the recorded msg the only other option given is to cancel the card, which I did not intend to do. then it just hang up with giving me opportunity to talk to a life person to resolve the issue.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company from my information Equifax. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries, incorrect Address ( es ) and Employer ( s ) related to this identity theft : Incorrect Name ( s ) : XXXX XXXX Incorrect Name ( XXXX ) : XXXX XXXX XXXX Incorrect Name ( XXXX ) : XXXX XXXX Employer ( XXXX ) : XXXX Employer ( XXXX ) : XXXX XXXX XXXX
Product: Debt collection

The company Calvary port folio have my credit in collection and every month put interest I never Have credit with this company or other creditor they buy the account is fraud credit because Im in a XXXX  is imposible I can use my credit I trade to explain this company but they continue put me in collections an put interest please I need help I have prob Im in a XXXX  at the moment this credit is in my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint many times an it draining me emotionally and affecting me financially an I need this fixed. The continue to report incorrect an inaccurate information about me on my consumer report. They have XXXX calender days to prove any of these alleged private transactions were mind and show me documentation that I gave verbal or written consent to share to a third party. I have a right to privacy and you violated me for the last time. Send me Document that shows me I am LEGALLY OBLIGATED to pay this alleged debt. A simple answer of been verified doesn't constitute an appropriate legal nor lawful response XXXX FIN XXXX and remove all inquires list in uploaded file
Product: Checking or savings account

My only issue is that my bank ( 53 Bank ) takes way to long to send current info to my linked accounts. "  XXXX  '' for example is an instant pay Service that essentially loans money out based on hours worked, and weekly direct deposit information. However my bank was flagged by   XXXX   XXXX   for taking unusually slow compared to most banks to send updated bank info. Sometimes it 's takes until Monday after payday ( Friday ) for Fifth Third Bank to finally show my linked accounts that I have been payed from work.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Name and Provision of Correct Original Contract Dear Sir/Madam, I am writing to formally request the removal of an inaccurate name listed on my credit report. Upon reviewing my credit report, I noticed that my name is listed incorrectly. The name appearing is [ incorrect name ], while my correct legal name is [ correct name ]. 
As per the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I have the right to dispute any information on my credit report that is inaccurate or incomplete. I request that you thoroughly investigate and remove the incorrect name from my credit file, as it does not reflect the accurate and legal name by which I am identified. 
Additionally, I request that you provide me with a copy of the original contract or account documentation that contains my correct name. If the original agreement contains any discrepancy in the name, I ask that you provide documentation that verifies the error and reflects the proper name associated with the account. 
Please treat this matter with urgency, as inaccurate information can have a significant impact on my creditworthiness. If this issue is not rectified within the 30-day period allowed under the FCRA, I will consider pursuing further legal action, including but not limited to a lawsuit for violations of the Fair Credit Reporting Act, which provides for damages, attorneys fees, and court costs under 15 U.S.C. 1681n and 1681o.

I appreciate your prompt attention to this matter and request a written response once this issue has been resolved. Please update me on your findings and any actions taken to correct my credit file. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

Our situation is a little different than the typical " student '' debt situation. My husband graduated in XXXX of XXXX with his XXXX in XXXX XXXX. He then started to take his licensing tests. Unfortunately he was unable to pass the test. He would then re-take it a total of 6 times. New federal regulations with FSBPT came in to affect on XX/XX/XXXX which would put a lifetime limit of his testing. Therefore, he will never be a XXXX XXXX. Even after attempts of appealing, speaking with lawyers, and our senator who is helping us in this area. My husband makes XXXX $ /hr. The 3 other people who have co-signed are in completely different financial situations then when they first signed years ago. The economy has changed drastically. We have been handicapped for any re-payments. Over the years we have spoke to several loan departments who wanta ridiculous amount of money up front or in huge amounts. We rent a small home, have XXXX children who share XXXX bedroom, no insurance and lots of debt. 

The private student loans are from a few different lenders who have now gone into collections and lawsuits : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transworld Systems XXXX XXXX XXXX Amounts are as follows : {$59000.00} {$54000.00} {$18000.00} Federal student loans are {$270000.00} which are in an IBR of {$200.00} a month. Still difficult for us but what are we suppose to do? 

We are in {$400000.00} of student debt!!! With nothing to show for it because of federal laws that limited the amount of time someone can test. When he missed by minimal points! Please help!
Product: Credit reporting or other personal consumer reports

I attempted to reach out to each credit furnisher and creditor requesting documents as well as supplying my verification documents and complete and accurate identity theft report. IRS identity theft affidavit as well as a copy of the file police incident report. I could not reach anyone on the phone. I submitted documents to the creditors and no response. To dispute these accounts normally they will verify it is my personal information. How do you protect the consumer?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX bankruptcy XXXXXXXX XXXX  XXXX bankruptcy XXXX unknown XXXX consumer XXXX XXXX consumer XXXX XXXX Has violated my rights 15 USC 1681 section 602 A, states I have the right to privacy 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 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 items of information, other than records of convictions of crimes which ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by Experian, the accounts were claimed to be investigated, verified or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) this accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), Experian has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX 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

On XX/XX/2021, I called XXXX XXXX XXXX ( XXXX ) as I had received communication stating that my account with BARCLAYS BANK DELAWARE was purchased by them on XX/XX/2021. While speaking with the XXXX rep, I stated that I wanted to settle the debt with a pay to delete off of my credit report with Barclays. I asked them to send an email confirmation in addition to mailing a letter for the agreement in which they did ( sent by XXXX XXXX of XXXX ). Before ending the call, I asked the rep if this could be removed off of my credit file and she stated that it will be removed after successfully receiving the full agreed upon amount of {$960.00}. I made a payment of {$480.00} on XX/XX/2021 and another payment of {$480.00} on XX/XX/2021. I received a letter dated on XX/XX/2021 from XXXX stating that the current balance on the account was {$0.00} and the letter serves as proof that the account was settled. On XXXX, I did not notice any changes to my credit regarding the removal of this delinquent account. I called XXXX informing them that the file was not deleted from my credit report. They stated that they will send another letter to the credit bureaus and to give it another 30 days before reflecting on my account. On XXXX, I decided to call BARCLAYS BANK and inform them of what was going on with the account. They only told me that it was under investigation being that I disputed with one of the credit bureaus even after they validated the debt with the credit bureau. I havent heard anything since and still no change to my credit report. I reached back out to XXXX today, XX/XX/2021 and they told me to call back on Monday to talk with the dispute team as they forgot to send the letter so the manager, XXXX XXXX, has submitted a complaint. They also stated that they cant contact the original creditor after an account has been purchased. So now I have a delinquent account on my credit file, reporting a {$0.00} balance, but hasnt been removed because of the run around Ive been receiving with all agencies involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I pull a copy of my credit report after I was denied credit. I found out that I had alot of hard inquires that I didn't do as follows : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX twice, XXXX XXXX XXXXXX/XX/XXXX twice, XXXX XXXX XX/XX/XXXX. 

I also filed a complaint which I have attached to my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$40.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I submitted a dispute of inaccurate information. XXXX came no response from the company. XXXX XXXX I called the company and they stated they did not receive any letter. According to usps postal services the mail was delivered and signed for. The company proceeded not to assist with removing or disputing negative remarks on my credit report that is impacting my score.
Product: Other financial service

I signed up with Nationwide Biweekly Administration ( a service based in XXXX OH to make biweekly payments to my mortgage company on my behalf ) in XX/XX/XXXX and was charged an {$800.00} initial fee with the promise that over the life of their service to me, I would end up saving more than that amount of money in saved interest. Just 5 months later, NBA notified me that they could no longer deliver the agreed upon service of making biweekly mortgage payments on my behalf due to the loss of their banking relationships. 

NBA 's marketing when I joined said I was guaranteed to save money, and even now their web site claims " Our money back savings guarantee ensures that if you do n't earn your fee back in additional equity and interest savings, you can keep the equity that has been earned and we will refund you all of your money. '' I have contacted the company to demand a refund of my {$800.00} fee since they clearly can not complete the services they promised to deliver.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of urgent concern regarding XXXX  AS XXXX AND XXXX XXXXXXXX that have appeared on my credit report. To my dismay, I have no prior knowledge of these accounts until they were posted on my credit report. This has come as a complete surprise to me and has caused significant distress. As someone who has been diligently working to build and maintain a positive credit history, the inclusion of these accounts without proper investigation and evidence of their validity is deeply troubling. Not only does it damage my current credit standing, but it also undermines my efforts to secure financial stability. I demand an explanation as to why these accounts are appearing on my credit report, as well as proof that they rightfully belong to me. Without this information, I am left in a precarious position with potential repercussions for my financial future.