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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Contacted Customer Service XX/XX/2023 about a re-occuring charge on my account. I thought that the issue was resolved. However when I recieved my new statement for XX/XX/2023 I see that it was not. I also contacted the Vendor number listed on the card and attempted to cancell this charge. The Customer Service person that I talked to did not speak or understand English and I do not speak XXXX.
Product: Checking or savings account

I have a savings account with Albert and am trying to close it but they wont give me the remaining {$140.00} in the account.
Product: Debt collection

There is a derogatory mark on my credit report from Aldous And Associates for {$140.00}, apparently pertaining to a XXXX XXXX XXXX XXXX XXXX ( as per the terms of my contract ) in XXXX XXXX XXXX I was never contacted about any alleged debt, it appeared on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/XXXX I was made aware of an attempt to collect a debt on my credit report. 
XXXX XXXX, XXXX Credit ID : XXXX Credit Account # XXXX  XXXX Comment code : FW reports that I have an account with them and I do not. This was falsely placed on my credit file over 3 years ago and was successfully removed once already. 
The creditor has indicated that the account number, status, condition or creditor name has changed on this account however none of this has changed. This is illegally be reported again. I have successfully removed this from my credit file. I never had business with XXXX   or XXXX XXXX, therefore there is no change to account #, or amount of debt because I've never had any business with XXXX and this has been taken care of once already. 

This is harassment. This was disproved once already and they are unfairly hurting me financially and taking advantage of me as a consumer. They have no proof of this being a debt of mine. I was a victim of credit fraud and it has been well documented. This is a clear violation of the Fair Reporting Act. I would like the CFPB 's help in correcting this issue.
Product: Checking or savings account

i opened a saving account through my wells fargo account and i did a mobile transfer and some way some how there was a connected account to my account so when i made the transfer it said to my saving account but never touched my savings it went to a bank called XXXXXXXX XXXX  i reached out to the bank and they said they were only able to help me if i had an account number but i didnt because i never opened the account in the first place so my bank closed my claim and now im out of XXXX and they arent trying to give it back to me i have kids and im facing eviction that money was mines and i needed it
Product: Credit card

I am writing to file a complaint regarding an unauthorized account that was opened in my name at Kohls. According to my credit report, this account was opened on XX/XX/year>. I first noticed this issue about a month ago when my credit score dropped significantly.

I attempted to resolve the matter by contacting Kohls customer service by phone, but I was unable to speak with an agent. I also tried to resolve the issue via chat, but the representative could not locate the account and advised me to call customer service again. As a result, I filed claims with XXXX, XXXX, and XXXX. 

XXXX responded by stating that the account is accurate. However, I have never opened an account with Kohls, so this information is incorrect. I have had to appeal their decision. 

Yesterday, I received a call from a collections department regarding a debt associated with this unauthorized account. I called Kohls and was transferred to the applications department, where a representative helped me file an internal claim to remove the account from my name, as she could not locate the account number. 

Today, I received another call from the collections department, informing me that there has been no update from Kohls on this issue. The collections agent provided me with the email address associated with the account, and it is not my email address. 

This situation is severely affecting my credit score, and I need it resolved as soon as possible. Please take immediate action to investigate and correct this matter. 

Thank you for your prompt attention to this issue. I have attached the initial negative response from XXXX, which I have already appealed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed dispute letters to Transunion on XX/XX/21 regarding accounts XXXX XXXX Bank and XXXX XXXX. According to certified mail receipts, those letters were received and accepted on XX/XX/21. As of today no response have been provided. After the initial 30 day with no response I sent a follow up letter notifying Transunion that they've failed to respond. It is now XX/XX/21 and I've yet to hear anything from Transunion regarding my initial dispute or follow up. The FCRA allows the bureau 30 days to respond and I have not gotten a response.
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 XXXXXXXX ] has violated my rights. 

I looked at my Experian credit report XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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

The credit bureaus Account name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate this ground for removal. 

They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The Law clearly states consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law clearly states that the credit bureaus have 5 days to notify me from when they received my disputes They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( I ) ( ii ) : The Law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Credit reporting or other personal consumer reports

Despite several attempts, the unverified items listed below still remain on my credit report in violation of federal law. Under the FCRA a copy of the original creditors documentation on file must be provided to me, the consumer, to verify that this information is mine and is correct. I have not been provided any original documentation, consumer contract with my signature on it. This is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ).

Also, I have not been provided the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, under the FCRA, Section 611 ( 5 ) ( A ), the account must promptly be DELETED.

If you fail to comply with federal law, I fully intent on pursuing litigation in this matter to enforce my rights under the FCRA. 

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 explained to Experian that the collection agencies in my report were false it is unlawful to sell or buy any US citizens debt without the express permission and agreement of the individual. Which they never spoke to me and never obtained my agreement. Therfore I don't owe the debt any longer. I told Experian this and they still have not removed them From my report. Which is also against the law! As a reporting agency they should either be bipartisan or neutral in every matter and also know the law and enforce it. But they instead have aloud the continued unlawful actions of the collection agencies. I want the collection agency reports removed immediately
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report TRANSUNION Dear XXXX XXXX After TRANSUNION completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 
XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> AND XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Debt collection

I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$34.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.
Product: Credit reporting or other personal consumer reports

After I filed a complaint with you they continue to report it late, they are still reporting it late, I now have XXXX  negative reports for XXXX payment that wasn't late
Product: Credit reporting or other personal consumer reports

Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes, with stating that They belong to You - VERIFIED. Transunion doesn't even perform a real investigation, ever, They just replicate their responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX XXXX XXXXXXXX : in The XXXX XXXX XXXX Illinois. I am asking for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : XXXX ) XXXX XXXX XXXX {$6700.00} XXXX - See Attached Criminal Reports!
Product: Mortgage

During the application process for a Home Equitly LIne of Credit ( HELOC ), the lending specialist held the application process hostage, delaying the closing. Loan value is {$25000.00}. The lending specialist, XXXX XXXX XXXX, NMLS # XXXX at US Bank whom is not a legal or tax specialist, i.e. paralegal, licensed attorney, or certified public accountant, proceeded to coerce our Certification of Revocable Trust against my advisement. After I cited specific inaccuracies such as IRS tax reporting identification number and supplied tax certification, the lending specialist continued to " advise '' inaccurate and factually incorrect amendments to the certification. Ultimately, I did not comply with the lending specialist 's requests as this document would not be subject to enforceability with negligent terms. Resulting in continued delay and risk to immediate needs of funds.
Product: Student loan

I contacted Navient to let the, know I was unable to make a payment on my loan, and to see if my pay could be lowered or deferred. They placed me on hold, and the young man came back and said that they saw someone else been making payments on the loan as well. He said that I was unable to get it deferred. They stated that I would have to make arrangements with my co-signer to split the payments in half.
Product: Credit reporting or other personal consumer reports

XXXX occurred in XX/XX/XXXX. The previous month and the month after showing {$0.00} balances. But XX/XX/XXXX showing 30 days behind in payment. When I speak to Billing in XXXX they also say it is odd that it is just August 30 days behind and not paid in full, until XXXX? 

Then in XX/XX/XXXX again it shows Target, I paid the previous month in full. XXXX showing a {$0.00} balance, I asked billing when was the payment made? He could not tell me the exact date in XXXX? Huh? But it was for the full amount due? He stated I pay my entire balance, but it does show they dropped my credit limit from {$15000.00} to {$300.00}. Why? He did not know why? But I asked to speak with a supervisor. I did not care about my credit limit, but I did care about the passed due amount as we were still in XXXX and they were showing a {$0.00} amount due in XXXX, and 30 days pass due for XXXX? He could not explain it. He got a three way with two supervisors and they could not explain it. Said they would contact all 3 Credit Bureaus right away. I have been trying to get it removed ever since. Calling both Target who state they have contacted the Credit Bureaus and it is the Credit Bureaus who are not removing the negative report. Not Target. I have sent in a Dispute every month ever since. 

I find it strange both negative reports are in the month of XXXX. I refuse to use both cards now. I stopped using both cards. Or I pay the credit card bill as soon as I have shopped at Target prior to receiving the statement. If I didnt know better I would say someone works at the credit Bureau who knows me and is able to mess with my credit and make my payments late. Knows I have caught on and knows I am making payments prior to the due dates and can not change my payments. This is just cruel and I know it is illegal. 

Any investigation you can do I would be grateful. 

Regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

I qualified for the  Capital One Venture One re wards card. I thought I had three months from my first purchase to spend {$1000.00} to obtain  XXXX  bonus reward miles. But it turned out to be less than  three  months since they start when they approve the card, not when you actually get the card and first use it.     I was never told about the deadline. I am a longtime banking customer with  Capital One  and think they should have told me when I neared the deadline. I thought I had until  XXXX   XXXX ,   XXXX  , but it turned out I only had until  XXXX   XXXX ,   XXXX  . I ended up {$13.00} short of {$1000.00}. I called on  XXXX   XXXX  and they would not extend the date or give me any other allowances, even though I have been a longtime  Capital One  customer.     If I had known the exact deadline I would have spent well over {$1000.00} by then. I feel this is misleading because the exact deadline date should be specified. Usually in such promotions in my experience, it is from when you first make a purchase, not when the card is approved.
Product: Debt collection

I had a strange issue going with XXXX XXXX that created a need to change services. I was happy with XXXX, and would still be with them, but when clients were calling my phone they would get a NOT A WORKING NUMBER message. After several months of their attempt to find the problem a senior engineer acknowledged the issue but was not able to correct it. I had to file with the FCC to get released from the contract and credited for phones we had purchased as potential solutions. FCC Ticket number XXXX. We were released from the contract, paid the outstanding bills and returned the phones. 

I was denied a loan for my business because of the negative hit placed on my credit by Diversifed Adjustment XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. I called and attempted to get it resolved with them but the CSR claimed they intended to collect to remove it from my credit report. 

I would like to hold them responsible for the damage done and the lost revenue to my company due to this false claim. 

XXXX is a great company with some issues that they could not repair. They also have a bad return acceptance department as this is the second time they claim not received phones when they have been returned. 

As a note we purchased XXXX or XXXX phones within months in an attempt to correct the false call message to no avail We were left with no alternative but to switch services. 

Diversified is a collection company that is not willing to listen and the rep became stubborn and insistent that the bill was owed and nothing said or presented was going to change that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX XXXX XXXX as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 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: Credit card or prepaid card

Its not fair they way hsbc is treating my credit card application I apllied on weekend I call them to see the status I have a fraud alert they transfer me to Security since they said they must speak with me To confirm my identity when I speak to them they refuse to process my application and tell me they have others in front of me this is not nice
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing opened a collections account on my credit reports on XX/XX/XXXX. They lied and said they sent something to my address when in fact I did not recieve any documentation from them. Under FCRA I am entitled to verification and validation documents bearing my signature before its placed on my credit. Convergent does not have my signature on this fraud trade. Convergent is the company name listed on all CRAs ; therefore, they need to remove this illegal trade and fraud trade from all CRAs. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Instead of updating the CRAs to remove this fraud trade, they instead added it on two other CRAs making my score crash! I will seek damages if this trade is not removed ASAP.
Product: Money transfer, virtual currency, or money service

Venmo is a complete scam! they froze my account XXXX year ago without any reason. they said in XXXX  days I can withdraw my funds but its not true! their system does not allow me to add any bank! I have send many emails and they keep ghosting me! now they finally replied and said there is a block in their system that they can not override! so I cant withdraw my money! they owe me {$2400.00} and refuse to give me my money!