23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

we moved into the property located at XXXX XXXX XXXX XXXX XXXX XXXX  had payed rent up until XX/XX/year> we where served papers in XX/XX/year> we vacated on XX/XX/year> The apartment was deemed to have unlivable conditions in XXXXXXXX XXXX XXXX which is why we didnt pay rent in XXXX nor should we owe any money to the company as they had never fixed the conditions of the apartment we had a verbal agreement with XXXX XXXX that everything was settled after we moved out there should be no debt the account includes prorated rent for the months after the move out which is illegal you can not charge rent for time not in the apartment you can charge a move out fee you still have the debt listed as an individual account when it is a joint account which means your are attempting to illegally collect the same debt 3 times and the amount is still incorrect
Product: Credit reporting or other personal consumer reports

Follow-Up on Dispute Regarding Inaccurate Reporting of XXXX  XXXX Account ( Account No. XXXX ) Reference CFPB Complaint # XXXX Dear Sir/Madam, I am writing to follow up on my previous dispute submission, which was sent to you on XX/XX/year>, regarding the inaccuracies related to my XXXX  XXXX credit account ( Account Number : XXXX ). The complaint outlined several violations of the Fair Credit Reporting Act ( FCRA ) and requested that corrective actions be taken to address these discrepancies. 

To date, I have not received any formal acknowledgment of my dispute, nor have I been informed of any updates or corrections made to my credit report. As per my original letter, the inaccuracies I reported are in violation of 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( b ), and 1681c, and I requested specific corrective actions and compensation for these violations. 

I kindly ask that you immediately provide the following : A written confirmation of the actions you have taken to resolve the reported discrepancies on my credit report, including the correction of any inaccurate account statuses, delinquencies, and outdated information. 
A clear explanation of the steps you have taken to ensure that my credit report accurately reflects the current status of my XXXX XXXX account. 
Compensation in the amount of {$5000.00} for the five separate violations identified in my initial letter, as outlined in the Fair Credit Reporting Act. 
Please note that I expect a response within 15 days of receiving this letter. If the necessary corrections are not made within 30 days from the original dispute submission, I will be forced to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as considering legal remedies to recover damages. 

I appreciate your prompt attention to this matter and look forward to receiving a resolution soon.
Product: Debt collection

I have made XXXX disputes on XX/XX/2021, and XX/XX/2021, with XXXX XXXX XXXX XXXX XXXX XXXX, IA This account is not mine, nor does this company have any contract or agreement with my signature on it.
Product: Money transfer, virtual currency, or money service

I made a purchase from the XXXX using PayPal. I assumed they would add a fee, and did not research this before the transaction. when the transaction went through I saw that the " fee '' was excessive, over 6 %. when I contacted them about it they directed me to their Legal page, which I looked at, and still only saw that it may cost about 3 or 4 %, depending on a few things. I told them again I thought it was excessive. they then directed me to a link that shows their conversion rate, with a " spread ''. First of all, they make up their own conversion rate, and secondly I do not think they make this page easy to find, or even make it known there is such a page. This seems like fraud to me.
Product: Debt collection

Portfolio Recovery services has been attempting to collect 3 accounts which were previously disputed and removed from XXXX XXXX and original creditors. These accounts were opened fraudulently. I have requested original application showing my signatures. They have failed to provide documentation. They only provide an old statement which does not validate debt. They have also changed date from original creditors last payment date as these trade lines have gone past reporting statue.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of I have included An Ftc report XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I was a victim of identity theft, I visited the FTC website for assistance, did some research and also consulted with a trusted friend. I followed all their advice which included contacting the proper agencies ( courthouse, XXXX, FTC ) before reaching out to the credit bureaus. I filed an identity theft report, filed a police report, froze my credit bureau accounts, and reached out the the data furnishers providing the negative information. I then provided all this information to the credit bureaus. But after several attempts, I have not been able to remove the errors on my report. The bankruptcies are still reporting even though the courthouse states that they do not provide this information to credit bureaus. And I could not verify that information through the courthouse either. I am not sure why 2 bankruptcies that are not mine are still reporting on my credit. Please help!
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Upon booking a flight on XXXX XXXX I was offered a promotion involving a {$400.00} statement credit as well as XXXX miles once I spent {$1500.00} in the first three months of opening the card. As I have had issues with Citi in the past I called to verify the promotion to which I was told they had no record of this deal. So I emailed them a screenshot as well as a PDF copy of the offer as well the temporary credit card acceptance. After a few weeks and a few follow ups I had received no reply. So today I called to follow up and have been bounced around six different people in various departments all telling me it is another departments issue. The last representative, XXXX, tried telling me he saw the promotion on my account and I would have to wait up to two billing cycles to see the credit applied. As I didn't trust this I asked him to provide me confirmation which he said they were not willing to do. I finally demanded to speak to a supervisor, which they tried to deny me at first. I was firm and insisted on a supervisor and then while again waiting on hold, the representative came back and said the supervisor said this was another departments issue. At this point I am fed up and believe this was a bait and switch. If they will not help me correct this I will be cancelling the card. Upon researching this issue I see CitiBank has a long history of these tactics and this needs to be addressed.
Product: Credit reporting

TransUnion reported a tax lien on my credit report which is incorrect. I will send you documentation showing why. 

XXXX XXXX XXXX XXXX Docket # : XXXX COURTHOUSE XXXX, KY XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : STATE TAX LIEN Responsibility : Individual Debt Plaintiff : STATE OF KENTUCKY Amount : {$33000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXXXXXX XXXX or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XXXX Balance Owed XXXX {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$590.00}, XXXX  XXXX Date Opened : XXXX  Balance Owed : {$100.00}, XXXX XXXX Date Opened : XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$620.00}, XXXX XXXX Date Opened : XXXX  Balance Owed : {$8200.00} ; Inquiries XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXnquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXXnquiry XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX  XXXX Inquiry Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off Accounts Due to Identity Theft To Whom It May Concern, I am writing to request the removal of charge-off accounts from my credit report that were obtained through identity theft. I have recently discovered fraudulent activity on my credit report, and I believe that the following accounts have been opened without my consent : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date of Account Opening : XX/XX/XXXX - Amount of Debt : {$18000.00} I am a victim of identity theft, and I have taken the necessary steps to report this crime to the authorities and have filed a police report [ if applicable ]. I have also contacted the affected creditors to inform them of the fraudulent accounts and have provided them with the necessary documentation. I have attached copies of the police report and correspondence with the creditors for your reference.

I am requesting your assistance in investigating and removing these fraudulent accounts from my credit report as soon as possible. I understand that under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or fraudulent information on my credit report. Given the circumstances, I kindly request that you initiate an investigation into the validity of these accounts and remove them from my credit report.

Enclosed, please find the following documents to support my claim : 1. Copy of my government-issued identification.

2. Copy of the police report.

3. Copies of correspondence with the creditors.

4. Any other relevant documentation that you may require.

Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report. I understand that you have 30 days to complete this investigation, as per the FCRA guidelines.

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue, and I appreciate your cooperation in rectifying the negative impact of these fraudulent accounts on my credit history. 

Sincerely, XXXX XXXX XXXX Enclosures : LETTER FROM CREDITOR, ID, SSN, FTC REPORT, POLICE REPORT, & BANK STATEMENT.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following The incorrect addresses I request to be removed are : - XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Its been past 30 days since I Submitted a complaint on my XXXX  account in XX/XX/year> and still on going base on cfpb and its past XXXX periond aloud and its stressing me out its enough I had go back and fourth to court and after all that Experian still reporting inaccurate information even after sending proof it was dismissed by court.
Product: Credit reporting

checked my credit report and saw a negative reporting by Wells Fargo. Called them. Spoke with XXXX XXXX who explained he did not see any late payments. I am currently trying to buy a home and ca n't get financing because of this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an entry on my credit report under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that all information provided to credit bureaus must be complete and accurate. It is critical that my credit report reflects the true status of my accounts. 

It is essential that this report accurately reflects the information. Incomplete or inaccurate reporting can negatively impact my credit score and financial standing. Please review the payment history for : XXXX XXXX XXXX XXXX Late for 30 Days Date Opened : XX/XX/year> To ensure that all information is complete and accurate, please review these documents and make any necessary adjustments to my report. 
For more details on the FCRA and the requirement for completeness and accuracy, you can refer to the Federal Trade Commissions page on the Fair Credit Reporting Act here.
Product: Other financial service

After reading all of the positive reviews from other clients that have used this service, I hired this company in  XXXX  to assist me in improving my credit and credit scores. Each month this company would send out dispute letters to all  XXXX  credit bureaus to dispute information on my credit. After 6 months of using this company and paying {$150.00} a month, I have not seen any significant changes in my credit or scores. When I first began with them I was advised by the credit  counselor  to pay off some of the collections on my report. I paid them off and did exactly what was advised. I followed up with the advisor on occasion and was told that some of the bureaus are difficult to work with as far as getting deletions removed. I also spoke with the owner of the company and was told that most customers see a  XXXX  % improvement in their credit. I only have a  XXXX  % improvement in the time working with this company and am disappointed in the results. I feel like the company false advertises and it makes me question the reviews from these other clients. I have been working diligently and doing my part and I have invested {$650.00} to see barely any improvement. When I spoke to the owner, he told me that they would do an over all analysis and recommend if I should continue with the company. I am disappointed in that response because if I walk away now, there goes the {$650.00} that I invested so far. This is unfair customer service practice and I have wasted a lot of money on something I could have done myself. I just want my money back and will repair my credit on my own.
Product: Debt collection

I am disputing the debt as reported by PORTFOLIO RECOVERY for {$5100.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.
Product: Credit card or prepaid card

Since XX/XX/XXXX, Macys has been reporting my account ( # XXXX ) as a Failure to Pay, however, Macys has been charging me for an XXXX top I did not receive, and for the related interest and late fees associated with it. For over two years, I have been attempting to get the compounded errors that began on XXXX XX/XX/XXXX, when I opened a Macys charge account corrected. I opened the account, after continued pressure from a sales associate, at the XXXX XXXX Macys store. I purchased several items. I brought them home, but did not inventory them or removed them from the hanging bag at that time, as I almost immediately left on vacation for a month. When I did take the items out of the bag, I realized that one of the XXXX tops that I had purchased ( and was charged for on the receipt ) was not there. Since then, I have been trying to get Macys to correct this error. I have called the store, and I have protested the charges to the credit department. Finally on XXXX XX/XX/XXXX, I waited in the XXXX XXXX store for over an hour for a managers help. She managed to create a return that credited the account for most, but not all, of the erroneous charge. However, it was not her job to correct the years worth of late fees and interest associated with the erroneous charge. When I wrote Macys Customer and Credit Services, I received a response informing me that the charges were correct, and providing a number to call if I had questions. When I called the number, I was informed that because it was not credit card fraud Macys would be taking no action to correct the charges, and because I had attempted to purchase the items, I was responsible for all the charges. When I reiterated to the young man that I had not received the merchandise, and therefore did not believe I could be held responsible for the interest and late charges on goods I had not received, he informed me that I was liable for the charges, even though I did not receive the merchandise, because I had wanted to purchase it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an invalid collections placed on my credit report with XXXX, XXXX and XXXX online. XXXX and XXXX removed the collections account from my credit report within days. It took XXXX approximately 30 days to return a decision that the collections account was verified to be mine. 

I reached out to the collections agency through the phone number listed on my XXXX account. I told them that I needed proof of account ( original agreement ) for a collections that they placed on my credit report. They asked me my name which I provided. They then asked me if my dob was XXXX, which it is not even within 10 years of my dob. They then asked me for my address. They told me that they did not have an account associated to me. 

I created a new dispute with XXXX for the same collections account. This time I also called to speak to a representative. I let them know that I had not done any business with XXXX XXXX XXXX  XXXX ( the original creditor ) and that the collections account was not mine. First I was told I would have to wait for the 30 days again. I told the young man that it was not good enough and told him how I had contacted the collections agency. He then told me that I needed to prove that the account was not mine. I told him that it is impossible to prove a negative and that the creditor is responsible to prove that the debt is mine and that they are supposed to validate that information. I asked for a supervisor ( operator id XXXX  ) and told him the same story as before. He too refused to help me so I asked for his manager. I was transferred to XXXX ( XXXX ) in the Consumer Affairs department who refused to assist as well. I asked again for a manager. I asked for verification of the debt that they had been provided in the validation of the original dispute. I was told they do not provide to the consumer. He told me to contact the creditor. I told him how I had already done so and they could not locate a debt that matched me. The XXXX operator then told me to get the creditor to provide a letter saying that I dont owe them anything. I told him it is the creditors responsibility to prove I do owe and not for me to prove that I dont. I then asked for information on how to contact the Consumer Financial Protection Bureau. He told me I would have to XXXX it. I also asked if the call had been recorded and was told it was. I asked for a copy or transcript and was refused.