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

Keybank continues to report to XXXX  that the initial delinquency date of this account is XXXX. This initial delinquency date of this account is XXXX!!! The account was not brought current since this date. Keybank is reporting activity dates to XXXX  but XXXX  does NOT report based on activity they report based on delinquency!! Activity DOES NOT = delinquency. It does not matter if the there was activity on the account in XXXX. The account was never brought current and the initial delinquency date is XXXX!!! Please report the correct initial delinquency date on my credit report and remove this account from my credit!!!!
Product: Debt collection

XXXX XXXX XXXX I have paid the debt and the debt collections refuse to remove this negative remark off my credit report the amount is paid in full. XXXX XX/XX/XXXX is saying I owe XXXX $ I have not put any services in my name.XXXX XXXX XXXXXX/XX/XXXX is asking me to pay XXXX $ I have not put any services in my name. XXXX XXXX XXXX XXXXXX/XX/XXXX is asking me for XXXX $ I moved and had no idea someone was using services in my name.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX ) XXXX Subject : Urgent Dispute Fraudulent Inquiries Wrongful Eviction Record & Collection Dear XXXX XXXX XXXX, I am writing to dispute multiple unauthorized credit inquiries that have appeared on my report, which are wrongfully preventing me from securing housing and damaging my creditworthiness and is being used unfairly to deny me financial opportunities. The disputed inquirie : XXXX. XXXX XXXX XXXX ( on record until XX/XX/year> ) I have never applied for housing at this location, nor have I authorized this inquire. As per the Fair Credit Reporting Act ( FCRA ), a company must have explicit written consent to conduct a credit inquiry. If you can not provide proof of my authorization, these inquiries must be removed immediately. This Is Urgent I was recently denied housing due to this false inquirie, causing me financial and personal hardship. I request that you prioritize this dispute and provide a resolution within 15 days, instead of the usual 30 days, given the seriousness of this situation. I Request the Following Actions : 1. Immediate removal of these unauthorized inquiries. 2. A written response confirming their deletion. 3. If you believe these inquiries were authorized, provide copies of my written consent. 4. Cease and desist all reporting of this eviction record to tenant screening agencies, credit bureaus, and potential landlords. Failure to act on this request will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. I am also prepared to take legal action to enforce my rights under the FCRA. Please confirm receipt of this letter and provide an immediate update on my case. I expect this matter to be handled urgently. Sincerely, 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. 

Account Name : 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  has violated my rights. Or a list of inquiries : 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 reporting, credit repair services, or other personal consumer reports

In short, XXXX XXXX financed a vehicle to me in XX/XX/XXXX. The vehicle was NEVER registered to me and I have not been able to use the vehicle though I made every payment on time, through XX/XX/XXXX. Beginning XX/XX/XXXX, I requested XXXX to take action to obtain the registration and license plates I had paid for and subsequently been billed for. Months passed before XXXX finally contacted me to inform me they had to " double pay '' to obtain the title and would be sending me the registration/tags. I NEVER received them. I tried to trade the vehicle in for another one in XX/XX/XXXX, I was informed this vehicle was titled in someone else 's name and had a different lien holder listed. In XX/XX/XXXX, XXXX 's Title Manager admitted to me that XXXX had NEVER obtained a title for the vehicle. I asked for the amount I had been billed upon the loan initiation ( for taxes, tags, documentation fees, and registration fees ) to be credited to my account from the date of initiation so that I would also be credited for the finance charge for said monies. 
SHE REFUSED. She also informed me XXXX had filed for a bonded title with the State of Texas in late XX/XX/XXXX. In XX/XX/XXXX8, I filed a complaint against the auto dealership and then found out XXXX had NEVER applied for any bonded title. I contacted an attorney at that time and was instructed NOT to pay anymore on this fraudulent loan. XXXX was informed of my intent to sue and they were also instructed NOT to make any false or negative reports to the Credit Bureaus. I am providing documentation including emails from XXXX representatives LIEING to me about having possession of the title, and correspondence from my attorney, XXXX XXXX. I can also provide a chronology of events with evidence I have to substantiate my claims. I do not want XXXX to have access to those documents at this time as there is a lawsuit pending for Deceptive Trade Practices and Fraud.
Product: Credit card or prepaid card

Every time I attempt to make a payment they charge my account a return check fee. My accounts have the funds and this time they said they got the payment and as a one time courtesy they will return the fee. 

I have never experienced such XXXX service from a CC company It is citi bank
Product: Debt collection

The complaint I am presenting involves U.S. BANK, specifically unsecured credit, which I currently owe as the sole debtor of a U.S. BANK credit card account. 

The issue with U.S. BANK is that I have no way of paying my credit card bill, which I owe them. 

Before XX/XX/2020, I had never missed a single payment. Preceding XX/XX/2020, I had made all payments, consecutively, concerning my U.S. BANK credit card account debt via auto-pay ; this payment toward my unsecured credit was executed utilizing my checking account. 

During XX/XX/2020, I began the process of separation and divorce, which required that I change my personal debit card account number ; this account number was utilized to make my auto-pay payments to U.S. BANK. Needless to say, I was only several days short of my debt remittance, at which point U.S. BANK immediately sent the debt to collections. 

To cure this discrepancy regarding my, payment details ( specifically the change in my personal checking account card number ), I attempted to access my U.S. BANK online portal account. However, because my U.S. BANK debt had been sent to collections, U.S. BANK removed my ability to access this online portal account. 

Without access, I next called the U.S. BANK 's customer service phone number ( listed on the back of my U.S. BANK credit card ). The first call I made to this customer service number took a mere twenty minutes to reach the customer service representative. Unfortunately, U.S. BANK 's general customer service department could not fix this account issue as only the U.S. BANK collections department has the ability to assist me with such a problem ; this information is the limited information the general customer service department could provide me. So, kindly, the customer service representative transferred me to collections. I waited on hold for two hours and forty-five minutes to speak with the U.S. BANK collections department, and at the forty-sixth minute, the call cut  off. 

I have repeated this process of calling the U.S. BANK customer service phone number twenty-three times as of today ; this " process '' referring to being transferred to collections, remaining on hold for periods which range from one hour to nearly three hours, only to never speak with a single person from the collections department. 

At this point, I do not know what to do. All I want is to pay my bill ... and the longer I wait, the more my credit score is damaged, as well as late fees are being added which require more countless hours, I can only assume at this point, of waiting on hold to then explain the reasoning for the necessary late fee removals. 

Also, I should mention that I have not received a single call from U.S. BANK, nor an email, nor a letter, which would allow me to pay my unsecured debt, which I currently owe as the sole debtor of this U.S. BANK credit account. As far as any contact what so ever from U.S.BANK ... I did receive an email in mid-XX/XX/2020 that my XX/XX/2020 payment did not execute via auto-pay, which was the notification that initiated this process I have relayed. 

ALL I WANT IS TO PAY MY BILL. 

PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX EMPLOYER - XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

Square Inc.- I contacted this company on XX/XX/XXXX to report fraudulent transactions that from various companies that began on XX/XX/XXXX. I disputed all of the transactions directly with Square Inc. ; the total amount of unauthorized transactions totaled {$25000.00}. Square Inc. refunded my account {$5700.00} on XX/XX/XXXX and stated the payment was a " courtesy '' ; they also stated they would not return the remaining {$20000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX as seen on my credit report XXXX XXXX is the company that has violated my rights, they have transferred my DEBT to a third party NELNET. 


20 U.S. Code 1232g - Family educational and privacy rights clearly states : ( A ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy of denying, or which effectively prevents, the parents of students who are or have been in attendance at a school of such agency or at such institution, as the case may be, the right to inspect and review the education records of their children. If any material or document in the education record of a student includes information on more than one student, the parents of one of such students shall have the right to inspect and review only such part of such material or document as relates to such student or to be informed of the specific information contained in such part of such material. Each educational agency or institution shall establish appropriate procedures for the granting of a request by parents for access to the education records of their children within a reasonable period of time, but in no case more than forty-five days after the request has been made. 

XXXX XXXX, as a servicer of student loans, is required to comply with the privacy protections outlined in FERPA, they have failed to maintain my privacy and educational records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft to the 3 credit reporting bureaus ( twice ) some of the items were removed, including unauthorized inquires from the theft. Two accounts are still showing and some of the inquires. I sent out the identity theft report at the end of XX/XX/2018 via certified, for the second time and requested these items to be block and/or removed per my rights granted by the Fair Credit Reporting Act, which clearly states that these item should be removed within 5 business days for the date of receipt. By the credit bureaus. As of XX/XX/2018 there are two accounts, that haven't been address. Which are XXXX XXXX and XXXX XXXX XXXX, as well as all the inquiries for accounts that were issued to my credit file and inquires that are showing for account that weren't issued nor were they authorized. 

XXXX has removed all of the items, except a XXXX XXXX inquiry for XXXX. Which is a new inquiry, but they have conducted themselves in the correct manner, as based on the FCRA. 

I have attached a copy of the Identity Report, that was filed and delivered to the credit bureaus. They are picking and choosing which account to remove, when they have clear instructions and time-frame, in which these items are to be removed and/or blocked.
Product: Debt collection

Financial issues. And illness. XXXX was closed. Need the item to be removed from my credit report
Product: Bank account or service

On late XX/XX/XXXX we brought a {$690000.00} check after we sold our residential house, to TD bank for XXXX, where I have checking account, the XXXX direct us to talk to their so called investment personnel, she persuade us to put money in Annuity, she claimed interest rate is high in Annuity, we told her we need money soon to purchase a house, right now we are renting, she said we can close account when we need it and get prorated, now we want to purchase a house and need down payment, we instructed her XXXX weeks ago to sell all my annuity which was {$500000.00} and deposit back to my account, then we realized she only could closed XXXX account {$300000.00}, and also found out the other {$200000.00} she open a XXXX years term XXXX, which can not close prematurely, there is penalty of {$17000.00}, to avoid penalty we have to wait XXXX years, XXXX tried to block me from contacting Delaware XXXX she suggested we need money we can get mortgage or home equity, we were shocked to find out after we contacted XXXX that the interest is XXXX % only and XXXX said her TD bank can give us mortgage, and leave Annuity open for XXXX years, everybody know mortgage is now XXXX % more, but after we complain to Better Business Bureau that she never showed us the annuity policy, just gave us paper to sign, if we saw the policy, we wo n't agree to put the money to a account that we can not close until XXXX years later, TD bank stated there was miscommunication, it was not miscommunication, we signed the paper of annuity because we trusted her, we never imagined she lied and cheated to benefit herself for bonus, and TD Bank showed us the copies of what we sign, and found out she made up story of how we do n't need money in 5 years and we want a higher yield then checking account and so on, even go further to make story up that we sold rental house and do n't need any money, so she decided XXXX is very suitable for us, TD bank has no sincere to solve the problem, just insisted that we signed papers so no more argument, we all know customers usually do n't read every single line just trust whatever seller said, or signed at whatever paper seller want to show
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bur

eau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,.. 

CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 XXXX XXXX XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : KEY BRIDGE # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Celtic Bank/Continental Finance in XXXX and have an ongoing relationship with them. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made a late payment in XXXX, I was affected tremendously by Covid. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I have had with your company for the last 8 years. This one late payment is causing me extreme hardship. I am hoping that Celtic Bank can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payment in XXXX of XXXX. I have really enjoyed doing business with Celtic and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome from Celtic/continental finance XXXX Thank you for your time.
Product: Debt collection

I paid FIRST POINT resources XXXX debt was paid on XXXX/XXXX/15 they left it on my credit file..im XXXX if I paid the debit they should be kind enough topay the debit with my little bit of money they should be nice enough to TAKE IT OFF my file I call them they flat refused..
Product: Vehicle loan or lease

I've tried to explain I did not give written consent for Bridgecrest to furnish my information on my credit report and that payment history is in accurate and reported wrongfully
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately on XX/XX/2022 I disputed incorrect open dates on my auto loan for XXXX XXXX XXXX across all 3 credit reporting agencies. They all displayed different and inaccurate open dates and balances. XXXX decided to remove the account from my credit report but it remained on the other 2 credit reporting agencies. The accounts were updated and still reflected inaccurate and different open dates.
Product: Debt collection

I received a phone call at XXXX XXXX  from XXXX XXXX XXXX XXXX from someone claiming to be on a recorded line. I hung up but called back later to figure out who the call was from and was told I reached TRANSWORLD SYSTEMS INC. I can only assume this call was regarding an alleged debt ; however, I have received no mailed correspondence. I am writing this complaint as my formal written request to Cease and Desist all calls. As required by FDCPA, TRANSWORLD SYSTEMS INC. was supposed to send a written debt validation notice with information about an alleged debt it is attempting to collect. That written notice must be sent within five days of the first contact.
Product: Debt collection

They continuously call even when told not to, will not tell me where the debt is coming from. Talking in circles to try and get a payment. Demanding my routing and account number to take payments even though I told them I do not have money for them.
Product: Credit card or prepaid card

I paid XXXX to XXXX XXXX, I didn't know they are based in XXXX. Part of the XXXX XXXX. They have a New York number that routes them to customer service in XXXX. My flight with XXXX XXXX was on the XXXX of XXXX XXXX departing from XXXX XXXX to XXXX arriving at XXXX XXXX. I was going to pick up the car at XXXX. Unfortunately I was moving that day and the movers took too long, i ended up arriving late for my flight and missed it. XXXX XXXX changed my flight for the next evening XX/XX/XXXX. I called economy bookings at ( XXXX ) XXXX, they didn't cancel my reservation after I requested them too since I missed my flight, I wasn't able to pick up my rental car. They actually hung up on me and didn't answer my subsequent phone calls. I then immediately called my credit card Capital One. They initiated a dispute, and weeks passed by I called and requested they add the disputed amount returned to my credit card. Last Monday Capital one charged back {$790.00}, I was infuriated, and at a loss for wards. They are not working with me and forcing me to pay for a rental car I never picked up. I am very unhappy with Capital One. I can't afford to pay this since a rented another rental car from XXXX for {$800.00}. I need help, please help me out.