23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX to inquiry about a medical account XXXX for {$160.00} showing my credit report. They stated was from a medical account that I'm own. I asked them when they sent the original letter to me and specifically what address they sent it to letting me know that I had a debt with them and what phone number they had where they tried to contact you. They gave me an address that I didn't live since XXXX. I agreed to pay the full account because I was told that if I take care of the account they will remove the collection account from my credit report. This was stated on a recorded line. I took care of the debt and paid the complete full balance believing in their word that they were going to remove that account from my credit report. This account needs to be removed ASAP since I was told that will be removed from my credit report. I agreed with them to pay the complete amount no matter that I wasn't sure if that were my debt and feel this is an unfair because they never received anything until it was too late and hit my credit report and I feel this is abusive because it is causing me a financial hardship because I'm having a lot of issues tryin g to qualify to buy a home and if I were able to qualify I'm going to end up having to pay a higher interest rate on a mortgage and that you feel like it is a UDAPP violation. I feel cheated by this company just to collect the money for that debt. I.ve contacting the collection agency and dispute this 1on the credit report but I haven't been received any response or been successful in resolve this matter. I attached the proof that I made this payment in full on XX/XX/XXXX as I agreed with that company in our phone conversation.
Product: Credit reporting, credit repair services, 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have been receiving many Harrassment phone calls of, Collection, threats of escalations of my vehicle repossession and possible collecting funds from me in court. All calls are been made through my cell number XXXX.and also by email. Prestige Administration or staff has been calling from their number XXXX. Also Prestige business partner Vehicle Dealership in XXXX, Texas is also calling, but they do n't leave a message. Their address XXXX XXXX XXXX XXXX XXXX, Texas.XXXX ... XXXX Email : XXXX Federal Government can archives all emails from XX/XX/XXXXof XXXX XXXX and Prestige on my loan process. My Bankruptcy Chapter XXXX process in Federal Court in XXXX, Texas was filed on XX/XX/XXXX and Prestige and XXXX XXXX XXXX was informed on my bankruptcy Chapter XXXX process and proceedings with XXXX, Texas Attorneys XXXX XXXX and XXXX XXXX. After I file various Federal complaints against Prestige Financial after XX/XX/XXXX and also Prestige Management Has appointed XXXX employee XXXX XXXX to go after me to collect on payments of collections of {$480.00} and {$440.00} in which I can not afford and pay for XX/XX/XXXX. I respectfully asked Prestige to restructure my loan under 17 % interest rate and lower my monthly payments under {$480.00}, {$440.00}, because of my Financial Hardship and XXXX. I am XXXX and Retired and I do n't receive XXXX XXXX XXXX. I have sent evidence documents on my XXXX Lifetime to Prestige Administration. I am respectfully requesting that the Federal Government conducts a investigation on my vehicle purchase and loan process with Prestige immediately.
Product: Credit card

XXXX XXXX opened a credit account when purchasing an item in store. The credit account was charged. The item was subsequently returned to the store within 24 hours of purchase and to our knowledge the account was credited and never used again. 

Over 6 months later, we received our first notification that there is a debt on the account. Apparently there was a purchase charged to our account made online from a state and city we have never been to. Barclays bank racked up hundreds of dollars in interest and late fees without ever notifying us of the issue. Once we were finally notified, they denied any attempt to correct the mistake blaming us for taking too long to address the issue. I have spent several hours on the phone trying to fix the issue and they have done nothing but gaslight us, lie to us, and threaten to further harm our credit if we don't agree to make payments on debt we were completely unaware of. They initially admitted that they failed to communicate the debt with us. They later tried to blame us for not knowing about the debt and lied to us about sending us statements. They refuse to acknowledge their failures and continue to harass us. It is blatant extortion. They could have easily helped us resolve this issue by giving us proper and timely notice of the debt. Now they are just continuing to damage our credit report and harassing us constantly with mail and phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our issue is with  a Wells Fargo   XXXX  mortgage, reporting an incorrect late payment. We used to own a home in NY, which we sold and closed on  XXXX   XXXX ,  XXXX . We have a letter of satisfaction fro m Wells Fargo d ated  XXXX   XXXX ,  XXXX .  Wells Fargo is r eporting that our payment was late in  XXXX  of  XXXX , which was 2 months after the account was closed ... .so clearly, it is being reported incorrectly. We have been in the process of trying to purchase a new home, and thru this process, we have been addressing the fact th at Wells Fargo is incorrectly reporting this account. We have personally reached out to Wells Fargo to ad dress the matter in  XXXX   XXXX  and two times in  XXXX  of  XXXX  ; we had a conference call with our new mortgage lenders credit reporting com pany & Wells Fargo, where Wells Fargo stated on the phone t hat the  XXXX   XXXX  late payment reported on our credit is incorrect, and they confirmed that the account was closed in  XXXX  of  XXXX  ... ..however the late payment from  XXXX   XXXX  is STILL on our credit report, and is now delaying our closing on the new home we are purchasing. We have been told that in order to get the incorrect late payment reported in  XXXX  of  XXXX  removed from our  XXXX  credit reports, that we must get a letter fro m WF that spe cifically states that the late payment from  XXXX  of  XXXX  was reported incor rectly. We have attempted to get such a letter from Wells Fargo, however this has not been a easy task .
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting XXXX XXXX as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Reports : ( XXXX XXXX Date of inquiry XX/XX/2019 )
Product: Debt collection

I moved residence and changed utility providers on XX/XX/XXXX, so ended my service with XXXX and made XXXX what I assumed was XXXX my final payment. They failed to mail me any additional invoice or call me with any updates/outstanding charges and I thought that we ended on good terms, since I even returned the equipment and confirmed with one of their store representatives. On XX/XX/XXXX, I saw a collection from Sunrise Credit on my XXXX  report for {$55.00}. I immediately contacted XXXX and spoke with XXXX. They ( XXXX XXXX charged me {$55.00} for an outstanding balance from a statement that they claimed was generated on XX/XX/XXXX. I asked the representative if the charge would be removed from collections and she confirmed that it would. I paid said amount in full, via their chat, and she provided me with a confirmation number. I then disputed the collection on my XXXX report and Sunrise Credit removed it, but I can only conclude that they sold off the debt to another third party ( XXXX XXXX XXXX XXXX because said party erroneously added an additional collection on my report on XX/XX/XXXX in the amount of {$120.00} for XXXX So this creditor was not even attempting to charge the original amount and XXXX failed to update the account information, which was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.
Product: Credit card

I have consistently maintained on-time payments for this account, preventing any occurrences of overdue payments. The reasons behind the late payment remarks reported on my accounts are not clear. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

Chase Credit Card services has inaccurate information about me owing past due credit card balances in which the the debt does not belong to me. The address and phone number on the account does not belong to me.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, Subject : Request for Assistance with Dispute Resolution Inaccurate Bankruptcy Record Reporting I am writing to seek assistance with an unresolved issue concerning the reporting of my XXXX XXXX XXXX by the credit reporting agencies XXXX and XXXX. Despite a previous dispute filed and processed in XX/XX/XXXX, inaccuracies persist in my credit report that I believe are unfairly impacting my credit status. 

Background and XXXX of the Complaint : XXXX XXXX : XXXX XXXX XXXX XXXXXXXX. 
Date Filed : XX/XX/XXXX. 
Date Resolved ( XXXX ) : XX/XX/XXXX. 
Responsibility : XXXX. 
Reference Number : XXXX. 
Address of the Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Phone Number of the Court : XXXX XXXX XXXX XXXX 
Dispute XXXX : My dispute regarding this matter was processed in XX/XX/XXXX, but the report remained unchanged. 
Despite my efforts to correct this issue directly with XXXX and XXXX, the XXXX record remains inaccurately reported. The response from both agencies stated that the item remained unchanged post-dispute processing, which contradicts the actual resolution details of my case. 

Impact on XXXX : The persistence of this inaccurate information is detrimental to my financial health, affecting my ability to secure credit and other financial services. It is crucial that my credit report reflects accurate and updated information as per the legal discharge of my bankruptcy. 

XXXX XXXX : I request a thorough reinvestigation of the bankruptcy record and correction of the discrepancies found in my credit report. Additionally, I seek confirmation of these corrections in writing from both XXXX and XXXX. 

I have attached copies of relevant documents, including the bankruptcy discharge paperwork and correspondence with the credit bureaus. I am prepared to provide any further information necessary to assist in resolving this matter. 

Thank you for your attention to this serious issue. I trust the CFPBs involvement will ensure a fair and prompt resolution. 

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

YOU ARE BREAKING THE LAW!!! 

RE : Late Payment Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX I noticed that my consumer report has been adversely affected due to an inaccurate late payment. I believe TransUnion, XXXX, and XXXX are violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provides me with documentary evidence that clarifies this billing error. 

16 CFR 433.1 ( i ) states that a consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. In accordance with Regulation Z, you can be fined for giving false and inaccurate information. I do not consent nor give these consumer reporting agencies permission to furnish this negative information pursuant to 15 USC 1681b ( a ) ( 2 ). 

No law under the Fair Credit Reporting Act requires TransUnion, XXXX, and XXXX to furnish negative information to my consumer report. Furnishing false credit information is a violation of federal law and a violation of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The Right to Privacy was declared a fundamental right by the Supreme Court in XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Venmo froze my account for no reason. I was trying to initiate a routine transfer to a friend. I did not violate any laws or any terms of service. I am verified. I have {XXXX} in my account that is currently frozen and Venmo will not give me any information as to why the account was frozen or how to unfreeze.
Product: Credit card or prepaid card

In XX/XX/2020, I received a promotional email from Barclays XXXX Mastercard. It said that if I spent {$2700.00} or more on my card for each of the months of XXXX, XXXX, XXXX, I would receive a bonus of XXXX XXXX frequent flyer points within 2 months. I complied with the terms and spent in excess of the required {$2700.00} each of those 3 months. I have still not received the bonus miles in my XXXX account. I have called Barclays many times and spoken to " resolution managers '' and I have a resolution case number # XXXX. They have all confirmed I spent the required amount of money and should get the bonus. One manager claims it was issued on my statement ending XX/XX/2020. I do not see the bonus on that statement, nor does XXXX. I have also called XXXX and they say that Barclay has not sent them these miles to add to my account. They looked and do not see the miles sent/added either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported two different bankruptcy. I disputed the two items and they were deleted on XX/XX/2018 and they turned right back around and put back on my credit report. They said they verified with the bankruptcy court but I have a letter from courts they do not verifty any information with credit bureau or third party companies
Product: Debt collection

This company XXXX XXXX XXXX  contacted me yesterday and today, claiming they are from an attorneys office. The woman I spoke with, claimed that they are going to garnish my wages from a past owed debt from four years ago. This woman had almost all of my personal information, including my drivers license number. I questioned how my wages could be garnished when we never went to court & she told me, we don't have to go to court to garnish your wages and told me if I didn't make the settlement payment, or make a payment plan, they would be contacting my employer for the wage detachment. I know this is incredibly inaccurate and told her so, as no creditor can do that without going to court, under federal law. I asked her to send it to me in writing what the debt was and the garnishment information. She said she would email it to me " as a courtesy '', another thing that struck me as odd, as they are required to send me the information by mail, as per federal law. I told her I wasn't paying anything until I seen the papers. They called me from this number ( XXXX ) XXXX. But the person I spoke with on the phone said her direct number is ( XXXX ) XXXX. She told me if I didn't make a payment within 3 hours, my employer would be notified. It was scary how legitimate she sounded. 
They said they were collecting on a debt from Tempo LLC from XXXX, which is also 4 years old. I live in the state of XXXX  and the statute of limitations has run out.
Product: Vehicle loan or lease

On XX/XX/XXXX, my XXXX XXXX XXXX broke down while driving in XXXX, Ohio. After towing my vehicle to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it was concluded that the XXXX XXXX XXXX that was purchased through ABC Motor Credit, financed through DBS Financial and covered by XXXX XXXX, needed a thermostat, oil pressure switch, and intake gasket. Thus, XXXX XXXX, ABC Motor Credit nor DBS Financial provided any warranty coverage for my vehicle ; instead, DBS Financial offered me a service loan. With my back against the wall ( not having transportation to work and pick up my XXXX XXXX XXXX XXXX  ), I agreed to receiving a service loan. On XX/XX/XXXX, I got my car out of the shop ( XXXX XXXX XXXX XXXX ), only for an hour later, my vehicle ran hot again, causing the car to break down ; consequently having it towed back to XXXX XXXX XXXX XXXX On XX/XX/XXXX, I got my car out the shop ; the temperature gauge would still fluctuate ; however, on XX/XX/XXXX, while driving on the highway, the wrench light came on and the vehicle consequently, broke down again on the highway. The following Monday, XX/XX/XXXX, I had the vehicle towed to XXXX XXXX XXXX XXXX ; after a diagnostic procedure, 49 different codes emerged. The fuel pump relay had melted, subsequently, there was a internal shortage in the battery. Again, DBS, ABC, and XXXX XXXX did not provide me with any assistance for repairing my vehicle ; only a service loan. With this in mind, I was unable to get to work and pick up my daughter from school for a total of XXXX XXXX weeks. After XXXX XXXX fixed my fuel pump relay, they indicated that my car still needed power steering coupled with several codes still emerging from a diagnostic test. In stark contrast, I could not afford to get the vehicle fixed on my own ; thus, DBS offered me a service loan. The vehicle still runs hot, and DBS, ABC Motor Credit and XXXX XXXX refuse to compensate me for the multiple XXXX  to work, and the financial and personal hardships that I endured with not having an adequate, reliable vehicle. Moreover, I receive threatening phone calls from DBS Financial XXXX that has caused me to be stressed. All in all, XXXX, at XXXX XXXX, conveyed to me, as a result of the diagnostic tests ran on the vehicle, that the engine was seriously damaged and the motor was going to blow soon, and that I am better off getting a new car. Equally important, XXXX stated that the vehicle is unsafe to drive and it is not because of something that I did ; the car was already in this adverse state and more than likely, they ( ABC, DBS and XXXX XXXX XXXX knew about this. Therefore, I should be compensated in some way.
Product: Credit reporting

What I said in my complaint ... 


To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XXXX XXXX, 2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XXXX XXXX, 2017 and they completed the request on XXXX XXXX, 2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX