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

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Third submission of original complaint from XX/XX/22 The following is the correct data on revolving credit utilization as appearing on XXXX XXXX report : Primary Cards Usage Card Usage History You're using {$25000.00} out of {$54000.00} total credit limit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 100 % 98 % 97 % 92 % 30 % 50 % 100 % View all accounts Charge cards not included in calculation {$25000.00} / {$54000.00} = 46 % revolving credit utilization Experian is falsely showing 100 % revolving credit utilization from the same figures and falsely reporting XXXX XXXX as XXXX points lower than it actually is
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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

In XXXX, I contacted AmEx because my credit card is a travel credit card with a {$550.00} annual fee, which was hefty in a pandemic year during which I did not travel. The CSR offered me a XXXX retention bonus. The next month, I had not seen it, so contacted AmEx again, on XX/XX/2020 via chat. That CSR said that I had to affirm that I would not cancel the card and I did. The CSR said the miles would be applied within 8-12 weeks.

Its been 13 weeks, so I contacted AmEx again. After an interminably long chat, during which I received somewhat nonsensical information, the CSR said I have already received the miles. I have not. I received other miles for a separate promotion, for spending a certain amount of money on my card. Im owed the promised XXXX Skymiles.
Product: Credit card

On XX/XX/year>, there was an unauthorized charge on my Capital One credit card for {$1800.00} which posted on XXXX XXXX. I called to dispute the charge as I did not authorize the charge nor did I ever go into this merchant 's business. Capital One stated since my card was presented to the merchant with the chip being used, they will not dispute nor refund me the charge. They will not provide me a copy of the signature that was provided to the merchant as it will not match mine as I did not make the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a letter to LexisNexis asking for a Method of Verification. In my letter i asked for documents or company information who is verifying a Bankruptcy claim on my report. The method of Verification was not fulfilled only with a letter stating verified no company information was provided. I then reached out to LexisNexis via phone and was told they are not aware who verified the bankruptcy claim. Due to they get information from several companies and now have to dispute this claim.In order to provide me with the company information. LexisNexis was giving 15 days to provide me with such information per compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX posted an old charge off on my XXXX credit report with incorrect information. The account last activity date is listed as XX/XX/XXXX when it should be XXXX
Product: Mortgage

Under certified mail receipt no. XXXX I wrote a letter to Specialized Loan Servicing, dated XX/XX/2019, received by Specialized on XX/XX/2019. This letter concerned Final Payment of this Loan, Release of any Liens related to this loan, my dispute of two charges to my account in the amount of {$25.00} for each of the two charges, recording fee in the amount of {$92.00} and the amount of {$130.00} held in suspense. To date I have had no response to this letter. Previous correspondance on the final payments to my account had been sent on XX/XX/XXXX. 

The Statement with Closing Date XX/XX/2019 shows that the loan has been paid in full, does not explain the XXXX amount shown in the previous balance and does not explain the status of XXXX amount that was classified as suspense on the Statement with Closing Date XX/XX/2019. 

The XX/XX/2019 Statement showed a balance due to me in the amount of XXXX. The XX/XX/2019 does not account for the XXXX suspense amount and does not explain how the XXXX credit amount became XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX BV XXXX XXXX, CA XXXX XXXX C XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$42000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX AN # XXXX XX/XX/XXXX
Product: Student loan

Called to request a refund on my loan ( {$1200.00} ) at the end of XX/XX/2022. I have called several times since then and there has been no movement. I called again this morning, XX/XX/2022 and there was still no movement and no change.
Product: Credit reporting

TransUnion can not prove this debt is valid with documentation from date of service. These debts have been bought and sold many times now and there is no evidence of origination except for names. Please remove this debt since it can not be validated, as XXXX has already begun to to do. I have no knowledge of this debt. If it can not be proven, I have a legal right to have it removed.
Product: Debt collection

Third parties are buying the debt from XXXX XXXX XXXX, several had threatened me to court now Portfolio another third party. Portfolio calls me consistently and send letters for payment. Please have them stop contacting me and also its on my credit report in the incorrect amount. This is an older debt but I see a incorrect date thats more current. Thanking you in advance
Product: Credit reporting, credit repair services, 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 USC 1681. 


XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( 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.
Product: Checking or savings account

I opened a Business Account with Comerica Bank back in XXXX of XXXX. At that time I indicated that I need to come back to bring in the XXXX from the State to open the account as an LLC. The next day I took in the XXXX information to the branch manager and she never processed nor contact me to tell me to let me know that she needed more information to change the account type to an LLC account and not a XXXX. 

On XX/XX/2022 a customer sent a wire to my business account to purchase 8 pairs of shoes from my wholesale distributor. My sales manager is my husband and he brokered the sale. The funds were sent to my account to ensure my husband received the funds because the buyer was not comfortable sending the wire to XXXX XXXX. I went into the Comerica Branch on XXXX XXXX and they immediately asked was my husband real person because he lived in XXXX and that was where I wanted to wire the funds to purchase the shoes for the customer and have them ship the shoes to the man in XXXX. The lady at the branch went and got another manager and she basically accused me of fruad and I said I am aware of any fraud and I contacted my husband and he called the customer to find out why the wire was flagged. The customer said he was not sure why and he would contact his branch find out and he sent my husband a message saying the wire was sent and should be released. The bank did not listen to me or my husband. They basically froze all my accounts business and personal for two weeks. I have been without money and not access to my regular paycheck nor my funds from my other customer. 
Since that time I spoke with the banks fraud dept and was told they needed an invoice and other documents to prove this was a sale and not fraud. I provided the bank with everything they asked for yet they still did unfreeze my account. 

I am asking for them to no only send the funds back to the customer if the money wire was fraud and allow me to continue to run my business and have access to my funds. 
As of today the bank has charged me in access of {$600.00} plus dollars in fees and still have yet to release my other funds from my business to pay my bills on the business and pay myself. 
The banking representatives saw that I was an XXXX XXXX american with a XXXX  husband and has basically profiled us and stopped us from earning our living. They also have held up funds and treating me and my business unfairly based upon their banking guidelines. 

I am not a criminal but a US citizen trying to have a small business in America.
Product: Debt collection

On XX/XX/XXXX, I emailed XXXX XXXX XXXX XXXX/XXXX XXXX, located at XXXX XXXX XXXX # XXXX, XXXX TX XXXX, that I was attempting to bring Home Owner Association Dues in the amount of ( {$250.00} ) current, after dealing with Covid and health issues. I also inquired about some of the financials of the Association as well. I received a response from the Association on XX/XX/XXXX, advising that they would be charging late fees. 

On XX/XX/XXXX, I received a letter from RMWBH ( Roberts Markel Weinberg Butler Hailey ) the law office that represents the Association advising that a lien was being placed on my property with the threat of foreclosure, and now the payment owed is {$440.00} ( which includes their fees ). 

Although I feel this is retaliation for questioning the funds, HOA 's and their lawyers feel that the eviction and foreclosure moratorium does not apply to them, and they can continue to demand late fees, and threaten homeowners with liens and foreclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX To Whom It May Concern : Pursuant to : 15 USC 6802 15 USC 6805 16 CFR 313 16 CFR 433.2 16 CFR 433.3 15 USC 1681 inaccurate reporting As a fed protected consumer, I am opting out of any and all auth

orization the consumer may have given you written unwritten, verbal and nonverbal per 15 USC 6802.

I am rescinding authorization ; effective immediately and indefinitely.

Also ; It is illegal to report transaction history ; update to paid as agreed immediately ; 15 USC 6805.

The creditor has performed a violation of the collection laws of the United States found at 15 U.S.C. 16921692p The consumer, in reliance of the Codes and Regulations, as a federally protected consumer and debtor, believes that any statements then, now or in the morrow are simply billing errors presented by the creditor ( 12 C.F.R. 1026.13 ( a ) ).

Accordingly, 16 C.F.R. 433.3 does not exempt the creditor from any claims or defenses as described in 16 C.F.R. 433.2 ( a ). As the consumer has the right to invoke his/her rights as the debtor in this consumer credit contract against creditor for the unfair and deceptive trade practices stated herein as no contract after the date of XX/XX/1977, is exempt from 16 C.F.R. 433.3. 


Regards, XXXX, XXXX XXXX.
Product: Debt collection

I receive 4 phone calls daily from United Recovery Systems,  apparently about a debt that I do not owe.
Product: Checking or savings account

Cash app continues to allow unauthorized charges to my account. I keep my cash app card empty because of the incessant withdrawals that keep arising. Cash app continues to rob people of their hard earned money. They also continue to raise the transaction fee cost which is highly unethical.
Product: Payday loan, title loan, or personal loan

This is my second complaint with this company. The first complaint was done on XX/XX/XXXX and it was closed on XX/XX/XXXX stating that the TitleMax responded but they never did. I hit a financial hardship and I cant pay them anymore. In XXXX I was making $ XXXX $ XXXX  monthly payments for a {$2100.00} line of credit. As of XX/XX/XXXX I am no longer able to pay on the loan. I paid {$3100.00} on the loan so far and I still owe {$2800.00}. I was not aware that they were charging me over 180 % in interest, I never signed anything that showed the interest amount. This is my first time ever doing a line of credit with TitleMax, I usually would get a title loan that needs to be repaid within 30 days. The person at the office insisted I get the line of credit because Ill be saving more in fees. That was a lie I have been struggling to pay them and to keep my only barely working vehicle. In XXXX right before XXXX I had major car problems and the state of TN sent me a letter because I dont have car insurance and requesting I get it within 30 days. I was paying TitleMax so much money that I couldnt maintain car insurance or maintenance. I am a single mother and I home school my XXXX children. I am on section 8 and my title loan payments are more then my rent. I cant get my tags reinstated or get insurance on the vehicle because TitleMax said if I cant make a payment then I need to drop it off at their office and take a XXXX back home. I reached out to the General Manager and the Office Manager about working out a payment plan to stop the interest from getting so high. They said they spoke to the District Manager and he or she said there is nothing they can do for me and I need to pay the past due and start making monthly payments. I tried coming up with the money but I couldnt. I had to reschedule my son and Daughter Doctors appointments 3 times because of this and not being able to have up to date tags and insurance. This is frustrating and hard. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and TitleMax is making it hard for me to even do that. I need my vehicle I also need them to do something about this. I paid the loan off!! How am I still owing the same amount? I need my title and I will never go to them again. I will be sure to share my experience on their reviews everywhere! This was a trap. I even called them in XXXX to come get the vehicle thats when the manager told me to drop it off at their office. Here we are almost 2 months later and the interest and amount is steadily rising. They are scamming hard working families and dont have no remorse. My hours has decreased and Im barely making {$1200.00} a month. I can barely feed my family because I was paying TitleMax. They do not care. I still need to take my children for their Doctors appointment. This is insane that they can charge that much interest and for it to be legal.
Product: Checking or savings account

My claim has been denied because of them saying there were no indications of fraud when I have XXXX footage of my card and pin being skimmed I also have a criminal case being processed for the cashier who the company I went too says is responsible for my card being skimmed. I initially told my bank that I went into the location and thought that the transaction that showed up on my account came from that visit. With me saying this they used that information to say I was still liable for the funds. Unbeknownst that days after I filed my claim. XXXX was able to recover XXXX footage of me swiping my card and entering my pin on the skimmed system. Which later was used WITHOUT my authorization or KNOWLEDGE to charge my account not once but twice for XXXX. On XXXX different occasions, never once did Wells Fargo reach out to the cop on my case or the store of which this crime took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi bank refused to push an update with the accurate balance to my credit report after paying down the card {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$2100.00}
Product: Debt collection

I am willing to identify and cc the letter that I wrote to a debt collection by the name of Credit Control Corporation, address XXXX XXXX   XXXX XXXX, XXXX XXXX, VA to a derogatory remark that showed up on my credit report that I do not frequently view. I sent a certified letter ( for confirmation ) to ask them to verify an open account that I did not have prior knowledge of and said that the verification was not a refusal to pay. I also asked them to only respond via mail, and to stop collection activity until I could figure out what is going on. Currently I do not know if I am a victim of identity theft, if this is an old account that was closed and sent to debt collection, or even if the amount shown is correct if it is an account that belongs to me. 

All I asked for is just competent evidence that I agreed to pay via some paperwork from who they bought the debt from, or even for them to halt collection activity while I look for answers. They have done neither, and instead have placed another derogatory remark for an account that I do not even know the existence of. Right now, I fear legal activity against me from a company who not only chose to not exercise transparency but who is also placing things on my credit report without updating me now that I've begun the process. It has at least been a week without them even telling me that they have chosen to look into it. What do I do? I also note that these aggressive actions only occurred after I decided to contact them even though I was apprehensive about it. I thought this was the responsible thing to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Fourth attempt to receive from you the requested original signed agreement of a disputed 8-year old account [ XXXX XXXX ],  letter dated XX/XX/2018. It is my understanding that I have a right to see the original signed documents of this accountnot statements, letters from the creditor or any other document that is not the signed agreement between me and the creditor ; only that document can prove fraud or ownership. 
In addition, I have repeatedly asked for this information to be mailed to my correct address as stated above. I have yet to receive any of what I have asked for, in previous communications I have proven my New York address of nearly 20 years. 
Based on several credit-pulls across all the bureaus, at least two creditorsit appears XXXX is oneis updating their accounts to mirror present day profiles in an effort to legitimize their claims, the second creditor has already been removed. The type of credit cards that are said to be mine are cards that earn frequent flyer miles and/or cash back. The very first card like those I applied for, received, and owned is my XXXX XXXX card 2-years ago. Any creditor claiming that I owned any such card more than two years ago and is NOT XXXX ; is creating and/or updating accounts to reflect my very recent credit profile. Creditors engaged in this type of behavior convey the fact that they did not meet the legal requirements for verification. 
As this is my fourth attempt I will be submitting another grievance to the Bureau of Consumer Financial Protection/ FTC-FCRA, to lay the groundwork for later legal actionif necessary. All I want is the original signed agreementthe signature, handwriting, and information entered can easily prove fraud or ownership. 
My next step will have to be to seek legal representation on this matter. Please attain the requested documents or remove this account and send an updated copy of my credit report and all responses to my request to the above addressthe only accurate address, thank you.
Product: Checking or savings account

Wells Fargo advertised a {$200.00} new customer sign up bonus if I met terms of using debit card 10 times a month for at least 3 months. They refused to pay out my {$200.00}.