23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA Experian is in violation of 15 U.S. Code 1681, S-602 right to privacy and violation of 15 U.S. Code 1681B S-604A, C-2 and violation of 15 U.S. Code 1666 B. Regarding the XXXX Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., FCBA-The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. FACTA The Fair and Accurate Transaction Act amends the Fair Credit Reporting Act ( FCRA ) to help consumers combat identity theft ; establish national standards for the regulation of consumer report information ; There are multiple violations that Experian is now responsible for. Privacy Violations-. Experian performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ). 

XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$1.00}, XXXX written off. 
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 Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days 150 Past due 150 days CO Charge off Payment history guide Charge Off as of XXXX XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of 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 your credit limit/high balance was {$700.00} Contact info Phone number None provided Address XXXX XXXX XXXX XXXX, OH XXXX Your statement Comment Current : Purchased by another lender. 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Experian have devastated my life by allowing someone to commit identity theft I have complained multiple times to cfpb as well Im tired of this issue not getting fixed my credit need to be fixed and restored this goes against all laws and Im writing a letter to the senator to address this I cant live with poor credit caused by someone elses actions
Product: Debt collection

I have been in contact with XXXX XXXX  and they have stopped collection activity on this account and the fraudulent account have been removed from both XXXX and XXXX. Why is it that your company Equifax is still reporting the fraudulent account. Not only that your company Equifax is reporting an account that is a result of identity theft. Not only was I not aware of this account, XXXX XXXX never gave me notice to dispute the validity of this account before inserting it into my credit file.However they have notified the credit bureaus that they have ceased collection. I am formally disputing this account once again as I am a victim of identity theft and this account is a result of thereof. Please remove this account from my credit file that you maintain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditors have violated my right. 
15 U.S.C. 1681 Section 602 states that : I have the right to PRIVACY.

15 U.S.C. 1681 604 A Section 2 states that : Consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681 1666B states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card

I am writing this complaint to express my dissatisfaction and frustration regarding the recent experience I had with one of your customer service representatives, specifically with XXXX XXXX on a call made XX/XX/XXXX at XXXXXXXX XXXX Eastern time. 

During the call, I inquired about the complementary XXXX XXXX reimbursement of {$9.00} for 6 months that is supposed to be afforded to members with the Quick Silver card. The initial representative claimed I didn't qualify because I supposedly didn't have a Quick Silver card. I requested to speak to a supervisor, and unfortunately, XXXX was unhelpful and displayed a rude attitude throughout our conversation. 

Despite my attempts to explain that my card clearly reads Quick Silver, obtained in the summer of XXXX, The supervisor insisted that I didn't have the right card and dismissed the issue. It became apparent that she couldn't resolve the matter and suggested that there was no one I could contact to address the problem. She never did any research and implied the solution would be to send me the correct card ( which is not the correct card ). She also said, I wouldnt get any credits and that Im not losing anything because I dont pay an annual fee and Quick Silver members all pay annual fees, which is not true. 

Upon calling back and speaking to another representative in the complaint department, it was acknowledged that the Quick Silver upgrade was not properly reflected in the system. The representative assisted in confirming the upgrade I made in the summer of XXXX. This situation, unfortunately, highlights a flaw in your system, leading to an unnecessary and frustrating ordeal. Furthermore, this representative said she was sorry that she still couldnt help me because it wasnt a listed feature on my account. My issues are : 1. These perks are listed as a feature on the Capital one perk page but are not offered to retain members as stated on the page at XXXX XXXX XXXXXXXX to all Quick Silver members. 
2. Lack of training and respect from customer service representative supervisor.

3. Failure to follow the rules set by regulating agencies and bureaus.

4. Failure to acknowledge the mistake with the card upgrade and no one making reflection changes in the system.

5. No solution to any of my concern 's.

It is imperative for credit card companies to honor their contracts and the promotional benefits they offer to customers. In this case, I am owed the {$200.00} bonus and the 6 months of complementary XXXX XXXX reimbursement, as per the terms of the Quick Silver card. 
Heres the link to read about their promotional XXXX XXXX offer XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I email a dispute to XXXX  XXXX  It has now been over 30 days enought time to do what I requested { they have not complied to anything, Enclosed is the affidavit 's that was sent with proof it was sent under FCRA they had 30 days to reply I request that the credit reporting companies remove the account at once. XXXX   still showing as XXXX  XXXX/XXXX XXXX  as owning account and XXXX is under collections they can not report both a clear violation I leave this in the hands of the CFPB to investigate and any and all documents in this matter going or coming will be forward to the CFPB
Product: Debt collection

Approximately 10 days after forms were e-mailed to me, I signed them and returned them.This was on the night of the XX/XX/2018. XXXX with ECMC called me the next day to inform me that she received my forms and that unfortunately there would be one more  form she would be sending out that day for me to sign and attempted to coerce me into signing it immediately. I have explained to this woman on more than one occasion, that I work a full time job ( and she called me at my office where I XXXX XXXX with XXXX XXXX XXXX ) and can not possibly send back anything at that moment because I was at work and she was sending it to me at my home e-mail address. I explained also that I have a lot on my plate right now, as not only do I have XXXX , but was, also, recently diagnosed with XXXX and am receiving treatments. I am also having to retire and will be living on a fixed income due to my related health issues. I am already stressed enough, with having to rent my house out until I can sell it, trying to find my dog a new home, packing nearly everything up and moving it to a storage unit and attempting to work my XXXX hours a week too. I am still grieving over the loss of my mother more recently ( in the last 7 months ) and father not even a year prior to that. My ex-spouse also left me in the midst of both of my parents ' death. I suffer from XXXX and have been on an XXXX for many years. ECMC is calling me nearly every day if not every day and sometimes more than once a day. I assured XXXX, today, with ECMC ( XXXX ) that I had already signed the initial forms that she had requested me to sign and that she had called me Friday to thank me for taking care of that and that she had just one more form to send me to sign. XXXX denied that this dialogue ever took place and that I had never returned the forms. She demanded wanted me to go to my computer immediately to send the forms that I already sent her last week. When I tried to explain that I was not at home ( I was actually at a XXXX  appt ) when she was calling me today, she told me I could " make up excuses '' or something along those lines. I am reporting her now for excessive harassment when I have told her that I have been recently diagnosed with XXXX and am dealing with a lot right now. She said that she sent me paperwork in the mail, which I did not receive. As of this moment, I do not have access to my computer as it requesting me to input a " key stroke number '' or something and will NOT let me back in to retrieve my e-mail. I am going to attempt to remedy this situation today following my other two medical appointments after work. I am in dire need of an advocate or someone to help me with this as I really don't know how much longer I can tolerate all of this harassment which is overwhelming me on top of everything else ( to include XXXX and XXXX ). 
Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are 6 inquiries on my credit report that I disapproved. 15 USC 1681n these must be removed. 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. I did not permit these companies to run my information. My identity was stolen and also per 15 USC 1681n, these are not to be on my credit report. Also Section 611 FCRA 15 USC code 1681c-2 and 15 USC 1681s-2 are not to be added to my credit report.
Product: Debt collection

I have an account on my credit report for Cash call, but I was never late with them. would like Cash call to produce my original contract and proof of the dates I was late or remove the lates from my credit report.
Product: Credit card

I been in dispute with a charge on my card that was not made by me. Call the company they couldnt provide any information on the purchase. Where it happened what was purchased. I filled a police report with my local authorities. Upload police report 3x Goldman Sachs. Currently enrolled in fraud protection for my identity. Its been about 8 disputes and no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint regarding the inaccurate credit information being reported. I am deeply troubled by the inclusion of the following details in my credit profile, as they have detrimental effects on my otherwise favorable credit standing. It is worth noting that the bank has already removed this information from XXXX and XXXX credit bureaus. Despite my efforts, TransUnion continues to report it, despite assurances from both the bank and the bureau that it would be removed it 2 months ago but it's still showing up on my report. This persistence of inaccurate information is concerning, especially considering that the involved parties had agreed to its removal. 

It is imperative that this inaccurate information be promptly verified and deleted from my credit report : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I C System INC is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting block inaccurate information that may be the result of identity theft. On numerous occasions I C SYSTEM INC was informed THE FOLLOWING account information being FURNISHED to I C SYSTEM INC and reported by I C SYSTEM INC is in fact inaccurate and they continue to report. I C SYSTEM INC is using the color of Law to publicize and report inaccurate and private information that has resulted from it's own ACTS of FRAUD and IDENTITY THEFT as defined by 15 usc 16819 ( a ) ( q ) regarding the following accounts ( include accounts ) In addition, I C SYSTEM INC was also informed above mentioned accounts are involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The only address that should be attached to my consumer file is XXXX XXXX XXXX XXXX XXXX XXXX There should be no HARD inquiries. My file contains the following unauthorized inquiries that must be removed pursuant to FCRA. Collection and XX/XX/year>
Product: Debt collection

First of all, they have called me, asking for a different woman, and I told them to take my name off the list. Not realizing they were a deck collector. 
The second time they reached out to me and said a name I recognized. Before answering any information, I asked, who I was speaking with which we began battling on who should speak first. I demanded information very simple information, asking for his name, and the company he worked for. All of these messages are recorded is with the automated message said prior to this conversation by the way. I also asked for the address several times before he finally gave it to me. 
As I told him, I do not owe any debt from XXXX and demanded he send me proof that he is even reaching out to the correct person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account:XXXX Creditor : XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I don't owe this company, if this company failed to provide accurate information about my identity, legal action will be taken to solve this matter because this is illegal according to the Fair Credit Act.
Product: Mortgage

While attempting to get a new mortgage on a new home built on the same property I was told that Suntrust/Truist held a lien on the property from the home equity loan that was taken out on XX/XX/XXXX. The home equity loan was paid in the full amount of {$4600.00} on XX/XX/XXXX. Loan payoff number XXXX was indicated on the check, this number was provided by the customer service member at the branch office of Truist. 

On XX/XX/XXXX I contacted Truist via their toll free number to initiate a lien release and provided the information needed to initiate the release. I was told that processing would take 1-3 working days. Truist did not start processing the request until the XXXX according to computer information provided by a local branch manager when I visited her on the XXXX of XXXX after numerous failed attempts to obtain information on the phone. On the XXXX the claim was 7-10 working days to finish the release Branch manageXXXX XXXX XXXX has been fantastic in contacting " the back office '' to check on progress of the paperwork but has been unable to get the processing done even by placing it on expediated notice. I was assured that the release would be processed by XX/XX/XXXX and per my county office this has not occurred. 

I requested that Truist provide my closing attorney with a letter stating that they were processing the lien release and they stated that since it was being processed that they would not issue anything until their process was completed. I am unable to close on my new mortgage and will lose the rate that I have locked in at if Truist does not process this release, costing me XXXX of thousands of dollars. 

Six months should be adequate time to process a lien release!
Product: Debt collection

I was in the hospital in XX/XX/2019. Due to this. I wasn't able to work and didn't return to work until XX/XX/2019. During this time, My husband was making the payments on the credit card. For numerous months, he was given wrong information about payments and due dates. He informed the company of my medical issues and asked what could be done. One month, he was given the wrong date to pay by. After talking to different departments and different managers in those departments, we were told the card was closed and had been closed for months. We were never notified of the card closing or given information on how to keep it open. We asked if we could dispute it being closed and they were dismissive.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022. I placed an order for clothing and over 1 year later I have not received my items. I filed several complaints with cash app and was ignored. I provided proof of my purchase and email communications with the seller to cash app which provided information showing I never received my items. Cash App refused to acknowledge the emails from the seller stating my items had not shipped, even after 50+ days. It was only after filing a complaint with the XXXX that I was able to get my refund back from cash app. Unbeknownst to me, they also decided to close my account because of the complaint. I had funds as well as stocks. Today, I woke up to an email stating my stocks have all been soldwithout my knowledge and consent. I am completely horrified that an institution who holds my funds is allowed to act in such a manner.
Product: Vehicle loan or lease

On XX/XX/2022 XXXX XXXX XXXX was advised verbally on the telephone that we would be purchasing our Leased vehicle from the originating dealership by the end of the month. It was further discussed that an outstanding balance of {$200.00} would be added to the purchase price. Subsequent to that conversation, our dealership obtained a payoff amount to be valid until XX/XX/2022. On XX/XX/2022 we paid the payoff amount to the dealership with a cashiers check from our bank. On XX/XX/2022 XXXX XXXX XXXX repossessed the vehicle. 

XXXX XXXX XXXX states that the repossession occurred because of a {$200.00} outstanding balance that was 67 days past due. XXXX XXXX XXXX states that they attempted to call at our primary cell phone number, yet we received no missed calls and no voice messages. XXXX XXXX XXXX denies having a secondary cell phone number or work phone number, yet I received voice mails on both of those numbers from XXXX XXXX XXXX on XX/XX/2022 ( After business hours ) and the morning of XX/XX/2022. XXXX XXXX XXXX would not answer why written notice was not sent to our address on file.
Product: Credit card or prepaid card

Hello This is XXXX XXXX I live at XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. In late XXXX of this year XXXX I bought into an affilliate marketing company called XXXX they are in XXXX. The comany marketing to me and I paid the initial fee of approx {$2900.00} for what I thought would be the training in the business. in the next few weeks after I first joined I was given a mentor/sponsor who then changed the plan for me ... he tood me that if I really wanted to be sucsessful in the business I would need to be " positioned high '' in the company. He said they would arrange to get me funded by a third party company that would apply for credit cards in my name. I had very good credit and I have always paid my bills on time all my life. I really trusted and believed I was getting a good opportunity to learn this new business. After I was funded the total charges were to be what i believed was {$28000.00} after my sponsor got all the credit card numbers he charged up nearly {$80000.00} for all the various fees and add on 's by the time I started getting the minimums due on the cards I realized I had been scammed. I was trying my best to learn the business but I got very little support and after 60 days I had spent all my savings.I contacted the comany XXXX and said I wanted to opt out and get a refund, but they didnt respond to me. By this time I was panicking and I contacted all the credit card companies that were used to fund this scam. Most of the 6 crdit card companies took my dispute and after about a months investigation the made charge backs to the cards for the charges. All expect " Bank of America '' they refused to look into 2 charges of {$6700.00} made to this MOBE company on XX/XX/XXXX they said that sisnce I signed a contract that there was nothing they could do. They said that it is master card rules that they follow and they cant even contact the recieving bank for this MOBE company. That surpized me becuase 2 other credit card companies that were master cards helped me get the charges removed. My compalint is with bank of America ... they did nothing to help me and now I have 2 charges of {$6700.00} that I dont have the money to pay ... This Mobe company makes false claims and omitted a lot of information and really took advantage of me ... charging me for many extraneous charges and add ons. My credit is now ruiued and I have been barly able to keep my head above water. Bank of America does not protect the consumer. They have a customer service number of XXXX XXXX XXXX My card numbers end in XXXX and XXXX I hope there is something you can do for me. I filed a complaint with the FTC about this MOBE company. 
Thank you, XXXX XXXX