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

Attempted to validate the alledged debt on my Transunion credit report for XXXX XXXX acct # XXXX. Transunion failed to validate this account properly and remove it from my credit report. There are many inconsistency as you will find attached.

1. In the response from XXXX XXXX, they sent a copy of the application, as you can see the date of birth, social security number, and drivers license is all blurred out. How can Transunion say that they verified this information is mine, when the OC send over information that is missing/covered up.

2. On the application, it also says my current employer at that time was 'County ' ; I have NEVER worked for the county I live in or any county for that matter, and it shows current, past employers on my credit report.

3. They have on the application that my cell phone is XXXX and my work phone at that time is XXXX. I have NEVER had any of those numbers belonging to me, and NEVER have I worked for an employer with that phone number as well.

ALL OF THE INFORMATION ON THIS APPLICATION UNDER MY NAME IS INCORRECT AND DOES NOT BELONG TO ME.

Lastly, if you look on the summary of billing they provided me, the numbers do not match up either. All of the information is incorrect and it does not be long on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are being reported inaccurately. The accounts are listed in the good standing section yet have late payments that are hurting my credit. Please remove all of the late payments. I have attached a copy of my credit report so you can see. 

Account numbers : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

First incident ( during XXXX - XXXX ) : While on an XXXX XXXX XXXX overseas, during which my rights under the Servicemembers Civil Relief Act ( SCRA ), Citibank garnished my wages for a credit card debt that was under dispute. I wrote to my chain of command who referred me to Citibank. I then wrote to Citibank who referred me to my chain of command. The issue was never resolved ; Citibank effectively got away with violating my rights under the SCRA! As proof, Ive submitted the following documents : 1.  A copy of my XXXX effective XX/XX/XXXX. 
NOTE : I was XXXX from XX/XX/XXXX to XX/XX/XXXX. My wages were garnished in late XXXX ( sometime between XX/XX/XXXX and XX/XX/XXXX ). 
2. Copy of correspondence received from Citi in which they acknowledge receipt of the dispute we sent via certified mail on XX/XX/XXXX. No additional response was received regarding this matter. It should be noted that Citi improperly classified the {$29.00} recurring charge as Purchases and Advances when these were, in fact, Fees. 
3. Screen shots of collection-related charges posted to my account by Citi while I was XXXX XXXX XXXX, XXXX {$80.00} for SALARY OFFSET ENROLL FEE XXXX XXXX, XXXX {$29.00} for LATE PAYMENT FEE XXXX XXXX {$29.00} for LATE PAYMENT FEE XXXX XXXX, XXXX {$29.00} for LATE PAYMENT FEE In total, Citi availed themselves of approximately {$800.00} of garnished wages while I was XXXX! 
New incident ( in XXXX amidst the pandemic ) : Unfortunately, the XXXX XXXX has a relationship with Citi. As such, soldiers are forced to get a Citi credit card for government expenses. I had to, again, get a Citi card - despite not wanting to - to pay for expenses related to a permanent XXXX XXXX XXXX ( XXXX ) move, which took place between XXXX and XXXX of XXXX. Despite having submitted all the necessary paperwork, my XXXX  failed to pay Citi. So they Citi began harassing me. I recently retired ( in XX/XX/XXXX ) and am now living on a fixed income. I paid the total amount due to Citi in monthly installments. I sent the last payment to Citi in XX/XX/XXXX. 
In XX/XX/XXXX Citi inexplicably sent notice that I owe {$100.00} and provided no justification for the new charges. I immediately sent a certified letter in which I indicated that I was disputing the debt. In fact, I am again sending a certified letter today, XX/XX/XXXX, to reaffirm that this debt is in dispute. Citi is threatening to garnish my retirement wages to satisfy this unsubstantiated debt. I believe Citi is emboldened to violate my rights again because they have already gotten away with doing so in the past. 
Citi should be held accountable for violating my rights. I believe I am owed the money they garnished from my wages in XXXX even though I was protected under the SCRA. Further, Citi should correct their records and clear the latest alleged debt that I am confident I do NOT owe!
Product: Credit card or prepaid card

Time-Sensitive : I have a XXXX. 
Settled and payed off Chase Credit Card XX/XX/2022. NYS Dep't of Financial Services asked me to write a complaint with your agency. 
I need an electric statement emailed to me from Chase Card Services that the Credit Card Account I settled on XXXX is closed and has a XXXX balance, to urgently show a leasing office where I am trying to rent an apartment in a timely fashion as my current roommate has XXXX XXXX and I need to move immediately. 
I spoke with Chase Card Services, they said they are unable to issue such statement to my email, and it could take up to 60 days for them to mail me the statement I require in the U.S. Postal Service. I require the document this week.
Product: Credit reporting

I have disputed these XXXX XXXX it has XXXX accounts listed when there was only XXXX account to start with that was actually from fraud. the account report wrong dates, payments, terms, amounts, and balances. I did not know how to approach the situation about the fraud and was sued i found out when i was in the process of buying the house so i ended up paying the judgment and i am still trying to refinance because the credit bureaus refuse to correct this information it is causing me great financial harm the judged learned what happened he removed the judgement. Upon speaking to XXXX they stated that they are not verifying this information with the credit bureau. The credit bureau will not remove this information. I am including the offical stamped letter from the judge stating that the debt that i have with XXXX is satisfied.
Product: Checking or savings account

I am seeking back salary from XXXX XXXX  for a broker investment. In XXXX  the committee Education & the workforce on XX/XX/2006 responded by resolution letter of my non profit proceeds with a broker. The broker never paid out a salary from XXXX XXXX. Wells Fargo took over these accounts now I am seeking back salary. My account ends in XXXX. 
Wells Fargo bank.
Product: Debt collection

I sent a debt validation letter on XX/XX/2022 and this company has failed to validate my debt. Instead they sent me a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

company : Medical Revenue Services Medical data Systems, INC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXXXXXX. 
Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : Account Name : XXXX  Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account BalanceXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$9400.00}
Product: Mortgage

I had requested an itemized list of nearly {$12000.00} in fees for nearly 3 years on multiple occasions. I had even requested this list from the bankruptcy attorney as directed by the agent from US Bank. I never received until XXXX. In the past I had asked for the entire fee amount be removed because they would not send me the itemized list so that I would know exactly what I was being charged fees for. When I reviewed all these feed after finally receiving the list, I found I'm being charged multiple fees for services this bank never provided. Such as trimming my trees, changing my locks, mowing my lawn, along with several other feed that description does not clearly describe what the fees applies too. First off I have always lived in this home. No one has ever changed my locks nor trimmed my trees. And my lawn does not have grass and they have never winterized my home, cleaned my yard of debris, nor has my home ever been a health hazard of any sort. ( Just some of the fees I've been charged. ) I am looking to hire an attorney at this time but I do want to file an official complaint because it seems I can not ever resolve any of these issues by calling the lender. I also need legal representation to identify any other fraudulent fees this bank is charging me. I will provide a copy of the corporate advance fees upon request. Also this bank has canceled my home owners insurance which was included with my mortgage when I signed for the house. Also I had applied for a {$30000.00} grant through XXXX. The organization was ready to pay the {$300000.00} towards my mortgage but US Bank refused it stating it would not bring me current. I would have had enough to bring my mortgage current with the {$30000.00} included. But US Bank instead wanted me to modify my loan by giving me a {$47000.00} dollar loan from HUD ( which is still not enough to bring my loan current ) and raise my interest rate almost double what it is now. But the contract stated the HUD loan would have to be paid first and then when that was paid off I could start making payments toward my principal. That means my interest on the home would build up while not making payments and I would've eventually owed more than the home is worth When I could've just brought the loan current.
Product: Checking or savings account

Received text about transaction from my bank Wells Fargo. I contacted Wells Fargo they didnt send the text, l received new debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem does not fit any specific category. I have been in a dispute with XXXX 's the billing and collection agency for XXXX XXXX Credit Card purchases since approximately XX/XX/XXXX. 

The charge dispute process and means of attempting to sustain charges is beyond words. I will attach as a PDF the last bill rendered. It shows a Bad of {$37.00}. As per instructions given in a letter I remitted {$16.00} for the shoes I purchased XX/XX/XXXX and there is a credit of {$20.00} representing the fees the letter advised XXXX would write off. I just hung up the phone question how there could be a NEW BALANCE of {$24.00} when there is {$0.00} Purchases ; {$0.00} other debits ; {$0.00} interest but a Fee charged of {$24.00}. 

I spoke eventually with a customer care representative who advised my gal is {$0.00}. She also agreed she would arrange to have the zero balance letter mentioned on the robot menu of choices. 

I will advise you if I do receive it but in view of recently reading this Bureau was set up as a result of the XXXX illegal practices I am following through with the complaint. 

Read their collections practices in the reverse. This is usurious and illegal. They continued to add more fees and interests to the disputed amount. They called me XXXX and 4 times a day with various Caller ID numbers but always from XXXX. Most times they hung up without a word. On two possible three occasions they advised me to call about my bill. It appears that XXXX is well known to this Bureau and what I had researched online indicated they are the billing and collection agency for several big name department stores e.g., XXXX XXXX. I eventually wrote to the Executive offices of XXXX XXXX recommending they end their affiliation with XXXX. XXXX XXXX answer was they could do nothing about the affect my dealings with XXXX had on my credit report and requested they advise XXXX to correct this also illegal practice when there is a dispute. XXXX XXXX response was basically to disavow any ability to deal with the credit rating, the billing issues other than to have reached an agreement I should pay {$16.00} and XXXX would wipe off the fees. 

If you like XXXX can do nothing advise me who can and will end these practices upsetting old ladies such as me. 

XXXX XXXX
Product: Vehicle loan or lease

In XXXX of XXXX, my wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, TX. We financed the purchase for a 6 year term through the dealership which used BBVA as the lender. On XX/XX/XXXX, we paid the remaining balance on the loan. On XX/XX/XXXX, we purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX, LA. When the salesperson tried to call BBVA to get a " Release of Lien '' document, which is common practice, she was told that we would have to wait 7-10 business days before they could send it. Our salesperson asked if the Release of Lien could be emailed or faxed and was told that it could not. Our salesperson expressed to us that she had never witnessed a bank do that to a customer who had paid off a car loan. Since we did not finance the new car, we were given a five-day temporary tag from the dealer. On XX/XX/XXXX, I called BBVA customer service to ask if the Release of Lien had been sent and was told no. I called every couple of days after that up until today, XX/XX/XXXX, and I have still not received a Release of Lien or title. The last time I called was XX/XX/XXXX. I was told that the account was closed on XX/XX/XXXX and that the Release of Lien was mailed to my dealership on XX/XX/XXXX. It is now XX/XX/XXXX, and we have not received the Release of Lien, title, or money owed to us for the overpayment of the loan.
Product: Debt collection

XXXX XXXX reported my personal information was stolen in a Data Breach XXXX spam Database reported XX/XX/2019, the charges on this account are the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, M XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance XXXX {$350.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Member number XXXX Experian Information Solutions , Inc . 
Dispute Department Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within XXXX  days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing made to my credit file within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. Sincerely, XXXX XXXX email XXXX XXXX
Product: Credit card

My dispute is with Delta Skymiles American Express.A vaction club in XXXX called me and asked me to sign up for a vacation club. I told them I needed to talk it over with my wife who wasn't home. They said no problem I could sign up and provide my credit card info but nothing would go through if I didn't send back the authorization form and a copy of my ID. After my wife got home we decided not to do it so I didn't sign anything and I didn't provide my drivers license. We got a call from AMEX a little later that night because of possible fraudulent activity. It was the company trying to put the charge through. I told AMEX that I did not authorize the charge and to not let it go through. I was told by AMEX not to worry that they would not let it go through. On my next statement the charge was there. When I called and questioned AMEX they said the company tried XXXX separate times and that they ( AMEX ) let it go through the XXXX time. The company then supplied forged documents to say that I had approved the purchase. AMEX has accepted the documents as proof that I authorized the transaction. They are also saying that they have not reviewed the recording where I was told the charge wouldn't go through because they say that doesn't matter. AMEX now says nothing further can be done - 9 months of waiting! I have included some documents to support my story as well as the forged documents the company used to support their story.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting accounts on my consumer report against my will and the federal law. 

I have ask them to remove the accounts XXXX and XXXX of 2021 and they just say that the accounts we're validated which was a lie. I am the consumer and original creditor pursuant to 15 USC 1601g. I regularly extend credit and am a natural person. Experian never sent my anything requesting a validation. So, they flat out lied and the CEO needs to be put in federal prison for at least one year and fined according to law. I am demanding that you delete all the below accounts immediately not in 30days. You have hurt my ability to obtain credit and live a normal life. I am unable to maintain my family household use due to your negligence and failure to get my permission to report. 
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom it may concern : ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report TransUnion, Experian, Equifax do not have my permission to report anything on my consumer report without my permission. I was never asked or notified!

Get these accounts off my consumer report in the next 48 hours or I'm suing the CEO and he can spend time in federal prison for all I care not. He has cost me everything! 2021 Under 15 U.S. Code 1681b ( e ) 1 -Permissible purposes of consumer reports ( a ) IN GENERAL subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.

Concerning the account listed below as a consumer Im demanding the deletion of the accounts below from my consumer report and file. 


1. XXXX XXXX XXXX XXXX 2. XXXX XXXXXXXX 3. XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am concerned about XXXX XXXX because they did not notify me that I had a payment due and as a result, my credit could be adversely affected. 

To date, I have received two statements from XXXX XXXX for a Perkins loan. 

The first stated I owed {$0.00} on XX/XX/2018. 

The second stated I owed {$160.00} on XX/XX/2018. This statement said {$84.00} of this was past due. 

My concern lies with the past due portion. My previous statement showed that I owed {$0.00} so I could not have been past due. 

I corresponded with the company via online chat. The woman wrote I owed for XX/XX/XXXX and XX/XX/XXXX. She did not acknowledge my concern and told me to check my account online. I expressed that I would have made a payment had I been notified. She did not seem to understand this. I believe this is predatory lending. 

Thank you.