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

Equifax is a most incompetent, unresponsive and obstinate organization. On XX/XX/2019, I wrote : Dear Ms. XXXX, As you know, I have written a number of letters with regards to your services. I just received confirmation # XXXX. In it, you re-iterate your mistake calling me XXXX XXXX XXXX XXXX, adding a suffix ( XXXX ) I have never used, and have no reason to use, as I have NO MALE children. 

I have sent them copies of passport, drivers license, social security card all with my name ; XXXX XXXX XXXX. In addition, all my financial information, e.g., bank accounts, credit cards and Trusts are under my name : XXXX XXXX XXXX. Yet, Equifax insist on adding a suffix to my name!!!. I am tired of dealing with them. Should I sue them for wasting my time writing letters?
Product: Credit reporting, credit repair services, or other personal consumer reports

Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Transunion XXXX XXXX XXXX XXXX, Pa XXXX I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. The item ( XXXX XXXX, XXXX ) is inaccurate because the accounts is not mines. I am requesting that the items be deleted. Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Product: Credit card or prepaid card

I ordered a device from XXXX XXXX but later asked for a refund. XXXX never shipped the item and therefore, was never received. I waited over 10 business days for a refund after receiving confirmation that the refund had been sent. Nothing has appeared on my account. 
I contacted Chase, which the refund should have went to my Chase account. They told me it was too old to dispute and to contact the merchant. The merchant is unresponsive and I have not received my {$420.00} from a charge on XX/XX/2021. I never received the order or a delivery confirmation. 
I informed chase I will be filing a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous responses ( XXXX, XXXX, XXXX ), the company ( FIDELITY CREDITORS SVC ) did not provide me with the requested documents.

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

FIDELITY CREDITORS SVC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX 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: Debt collection

I traded in a leased XXXX XXXX hybrid at XXXX XXXX. This account is closed and paid. I dont have any missed payments. I tried to explain to them but they insisted that I owe the debt.
Product: Consumer Loan

About six months ago, Equifax deleted XXXX auto loans I had from my credit report before the loans were paid off. On XXXX XXXX, XXXX I contacted Equifax about removing XXXX XXXX XXXX accounts that were originally opened in XX/XX/XXXX. Equifax informed me there was activity on the accouns in XX/XX/XXXX, therefore could remain on my credit report for seven more years. Now, they want remove these XXXX negative accouns that are over 20 years old, but they remove accounts that are n't even paid off yet. How is this not against the law? The auto loans were thru XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i requested a method of verification with equifax for the following account that is inaccurate, obsolete, unverifiable BK chapter XXXX # XXXX. They failed to verify it, i am stressed that they violated my consumer rights. Federal Privacy Act of 1974 - 5 U.S. Code section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. 
It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens and legal alien residents.

A prevailing plaintiff may recover the costs of the action plus the greater of ( 1 ) statutory damages of {$1000.00} for each act of unauthorized inspection or disclosure or ( 2 ) the sum of actual damages plus, in the case of a willful inspection or disclosure, or an inspection or disclosure resulting from gross negligence, punitive damages. I.R.C. 7431 ( c ). 
I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged CHAPTER XXXX BANKRUPTCY # XXXX showing on my credit report. 
I therefore request that you remove immediately this Bankruptcy from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LOCKHART, MORRIS & MONT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

I am a user of TCF bank which is a small bank located in Illinois. I already close the overdraft function in my account. 
On XX/XX/XXXX, I made two transactions to pay my electricity bill and credit card by using TCF, which is overdraft and TCF charged me {$74.00} fee twice overdraft. 
On XX/XX/XXXX, I am using the TCF bank to make a payment which is {$8.00} and they charged me a {$37.00} overdraft fee. 
On XX/XX/XXXX, I made a payment to my friend which is {$570.00}, and {$570.00} was not successfully transferred to my friend, then they still charged me {$37.00}. 
Then on the afternoon of XX/XX/XXXX, I received two letters from TCF bank and stated that I have three overdraft fees ( XXXX ), which means the last one they have not send it yet. 

I already close the overdraft function when I open this account, how can they still overdraft. 

They are located in Illinois, they spent about 12 days ( XX/XX/XXXX to XX/XX/XXXX ) sending the first letter to me. However, when I activate the Apply pay in my account, I can receive the letter notification sent by TCF bank within two days. Spending 12 days to receive the overdraft letter, rather than call me immediately. 

I have registered my email account for online banking. But I have not received any emails telling me that I have overdraft. However, I have changed the online banking email account to a new one. My old account still can receive their advertisement frequently. Even my old email account can receive your advertisement emails, why you are not able to send me the overdraft information. 

I also installed their mobile banking app, I have not received any notifications about my overdraft transactions. 

Transaction failed even charged over draft fees. 

After I received the letters and contact immediately, they insisted that they can reverse {$65.00}. 
Then I agreed because I am worried about they will charge me more fees.
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and my XXXX XXXX.
Product: Debt collection

Lake City Credit refused to respond to the debt validation letter received on XX/XX/XXXX ( " Lake City Credit Tracking Confirmation Letter1 '' ), so yesterday XXXX, I filed complaint number : XXXX. Today, I received documents as proof Lake City Credit is violating the Texas Usury Law ( " Lake City Response '' ) by placing an extremely high balance ( {$9000.00} ) on my credit and attempting to collect on what is consider a " zombie account '' WITHOUT validating the amount owed ( {$9000.00} ). 

On the original contract sent by Lake City Credit on XXXX 's behalf it shows a total payoff as {$5800.00} ( price for furniture= {$2500.00} + {$3300.00} total interest ). The records sent also shows a paid amount of {$2300.00} as of XX/XX/XXXX ( last payment ) leaving a balance of {$3500.00} according to the contract which is different than what is listed on page 1 of the document sent by Lake City Credit showing an amount owed of ( {$4100.00} + additional interest of $ XXXX= {$9200.00} ). 

I would like to file a formal complaint because Lake City Credit continues to : 1. Attempt to collect on an account that is MORE THAN 7 yrs old 2. Attempting to collect a debt not authorized or agreed upon 3.  Lake City Credit refused to respond to the initial debt validation letter they received on XX/XX/XXXX ( See attached confirmation of receipt ). 

I tried to resolve this dispute with XXXX directly and was told by XXXX that they do not have any information since my account was sold to Lake City Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has done a lot of unlawful activities using my name that has made my life hard. I have a wife and XXXX kids can you please help us?
Product: Debt collection

XXXX XXXX IS A COLLECTION AGENCY THAT IS STATING I OPENED XXXX CELLPHONE ACCOUNT XX/XX/XXXX I HAVE NOT OPENED AN ACCOUNT WITH XXXX AS IVE HAD XXXX. I USED TOO HAVE XXXX YEARS AGO BACK INXX/XX/XXXX. ACCOUNT NEEDS TO BE DELETED AS IT IS FALSE INFORMATION ON MY CREDIT REPORT. AMOUNT STATING OWED {$1100.00}.
Product: Checking or savings account

Laurel Road Keybank has locked me out of my checking account after I attempted to transfer the funds out of the account to another one I verified with micro deposits. I tried to log in and I get the error message Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or XXXX XXXXXXXX. I have tried to recover my account with all the options on their website to no avail. I have read hundreds of complaints online reporting the same issue. The complaints claim that it can take weeks to months to reclaim access to the account and funds. The complaints claim they lock every account that tries to transfer money out under the guise of suspected fraud. I am shocked how prevalent this is and if its even legal. This is apparently a scam to try and withhold money from their customers by keeping it in their institution. The lengthy time period to recover the account will prevent me from the checking account direct deposit bonus. This is the only reason I opened an account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I paid the collection account from XXXX XXXX XXXXXXXX in full for the amount of {$820.00}. I was told by XXXX XXXX that the account would be deleted after payment. Its now been a month and nothing has been updated. I called the company today on XX/XX/2022 and they advised me that they have sent the update to the credit bureaus. They have just failed to remove the account.
Product: Debt collection

XXXX XXXX AKA RESURGENT XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you LVNVFUNDG or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : LVNVFUNDG AKA RESURGENT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HAVE THE CREDIT COMPANY UPDATE MY PERSONAL INFORMATION AND DELETE ALL OTHER ADDRESSES AND NAMES ASSOCIATED WITH MY ACCOUNT Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX LA XXXX DELETE NAME KNOWN AS : XXXX. 
XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX DELETE ADDRESS INFORMATION : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX DELETE Employers : XXXX. 
XXXX XXXX XXXX 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing complaint XXXX, i was contacted by a Capital One representative who was very polite and said " she called to help resolve my concern. '' I explained the reason for the complaint was to change the report to " closed '' and settle the debt in full. I explained my rationale for their reporting the account " closed/charged off '' monthly as punitive only to continue damaging my credit with no valid interest in recovering the money. The complaint was filed after several attempts to resolve this with Capital One unsuccessfully. It was my understanding they had agreed to this when we entered into the payment plan provided by a government sponsored consolidation company. The payments were automatically paid monthly and never late. 

I requested to pay the remaining balances in full if they were willing to change the status to " closed '' and remove the " charged off. '' The representative acknowledged this was a reasonable request and she would get back to me soon. This was two weeks ago and today, i discovered they changed the status from " closed/charged off '' to " In collections/charged off '' and now added a remark of " Charged off as bad debt Canceled by credit grantor '' in an attempt to further damage my credit. This is predatory and beyond punitive. They reported to CFPD still investigating and never contacted me again.
Product: Debt collection

This company Jefferson Capital Systems LLC has posted debt collection on my credit report. I have never done business with this company and this debt doesnt belong to me. The amount is {$1300.00}
Product: Debt collection

Received a " live check '' in the mail in the amount financed is {$3500.00}, Finance charge is {$1700.00}, Total payments {$5200.00}, monthly payments are {$130.00} due the XXXX of the month, which I continued to pay until XX/XX/XXXX. I was unable to continue making payments and was questioned by a Manager at a Pennsylvania Branch office did I still have the bank account I cashed the check at. I responded in writing XX/XX/XXXX I never gave my permission to this creditor to have access to my account, and I am aware of {$1.00} late fee he quoted, and reporting delinquency to the credit bureaus. I contacted this company to restart payments and was told interest and fees have accumulated daily and the amount owed now is {$3600.00} and per my records I owe {$3200.00} plus late charges.in the amount of {$1.00} per month. On XX/XX/XXXX I received an email for an offer to settle this debt. On XX/XX/XXXX I spoke with an employee of Mariner Finance and was offered {$2000.00} to settle if paid by XX/XX/XXXX. I requested a XXXX in an email I sent XX/XX/XXXX in the amount of {$3500.00} per my credit report which is incorrect. l was NEVER informed nor received anything in writing about collections and interest charges being accrued daily.
Product: Payday loan, title loan, or personal loan

XX/XX/2021, XX/XX/2021, XX/XX/2021 was reporting as past due during the pandemic and they stated that I would not get a late pay. They have the other months for this year showing correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this collection agency numerous times asking for copies of my original contract/purchase agreement because I have never signed up with them nor given permission to them to open an account in my name.
Product: Credit card or prepaid card

I was adding another checking account to my online credit card service in order to pay my bill. It is my husband 's which I am not on, however, they have a questionable verification process. Instead of other identifying information, email etc, they require you to enter the amount holders log in ID and password ( which I refused ) for their specific checking account that is NOT written on the same bank as the credit card. As a retail merchant, this is questionable behavior on the part of my credit card company. Well all have requirements in regards to credit card information theft, but this was asking for a personal checking account online log in information. I find it a very odd verification practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a old debt that keeps appearing on my credit report. The company responsible for this debt is XXXX XXXX the account is XXXX.
Product: Credit reporting

I was reported 30 days late by my bank which I have a line of credit with. For some reason our check did not get processed properly because of a bank error or mistake. They got my check and then returned it back. We followed all bank guidelines for listing information for external payments coming from banks. As of a result my payment was never processed properly and a negative remark was placed on my credit report. I 've disputed and requested an investigation however I 'll I got was a letter from experian saying that my letter was sent by someone else and they we 're not going to help me .... I sent it in and attached my ids.. weird that they would send that to me. I need to get this handled because I have goals in the future for my credit. attached is the usps tracking number and the letter XXXX sent me along with the check image thanks XXXX
Product: Vehicle loan or lease

Wells Fargo merged their websites and I no longer have access to my account. I have tried on multiple occasions to resolve with them and they are requiring I go to a branch. There is no branch near me and I am not taking hours out of my day to fix their mistake. Everything worked fine until they changed their site. They need to fix this. This is why I no longer have checking or savings accounts with this awful bank.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Solicited me last year and I accepted a one time one year subscription with them and then three days ago I received a receipt, where they debited my credit card without notification or authorization. 

I tried to contact them and the phone number ( XXXX ) goes to voicemail and no call is returned and the number for XXXX XXXX XXXX XXXX XXXX XXXX ) is disconnected. 

I also tried to email them ( XXXX ) and got a cryptic response with no signature or contact information and no secondary response after I replied. 

Attachments : 1. ) Screen shot of the receipt of them charging my credit card, 2. ) Screen shot of only email response.
Product: Debt collection

commerce sold the account to XXXX, THIS ACCOUNT WAS DISCHARGE IN XX/XX/2021. WE WILL RE-OPENING XXXX TO FILE ADVERSARY LAWSUITS AGAINST BOTH. SEE ATTACHED