23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I ordered steaks from XXXX. They had a 30 day guarantee policy on steaks. The steaks were awful. SO I called them and offered to return them. They told me they can't accept return steaks, so just dispose of them and they will credit my account. Almost a year later, I was contacted by XXXX XXXX to pay for the steaks. I called for a copy of the original order and they don't have it. All they have is a printout of what they say I owe. I called XXXX to discuss and that order isn't in any of their systems, so I couldn't resolve it then. I sent two certified letters to XXXX disputing the charge, asking for backup, etc. One was sent XX/XX/2021 and the other XX/XX/2021 - both of which I have a signed returned receipt for. XXXX closed the case. 

Now I got a letter today from Penn Credit Corp. Same dispute. I'm not going through this again. I spent alot of time and money disputing the last dispute and it seems illegal that XXXX can just assign the same debt to different credit companies after it was resolved with the first one. They never provided me a copy of the actual order. XXXX customer service says it is because the return was processed and deleted from their sales system.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 ive disputed many inaccuracies on my report. ive asked for an investigation to be conducted and for them to please remove any inaccuracies from my report. i received no response to any of my request to investigate and in fact only received a stall letter from XXXX on XX/XX/2022 accusing me of using a third party which has nothing to do with them conducting the investigation that i requested and complying with my written instructions to remove all inaccuracies from my report. they continue to report late payments which are not accurate and continue to violate my HIPAA rights by reporting a medical account and continue to report accounts that they can not provide validation for. these accounts are inaccurate and a defamation to my character. according to federal credit law spelled out in the FCRA, a credit bureau is required to respond to you and complete their investigation within 30 days. if they do not respond within this time frame, they must remove the negative listings disputed. ive sent a follow up letter and still received no response and it has been 40 days since ive disputed these accounts and asked for an investigation which is a violation of my consumer rights.i would like these negative accounts removed from my credit report.
Product: Credit card or prepaid card

I have a credit card with comenity and it is almost impossible to make a payment, resulting in late payments. It takes approximately 4-5 attempts to get in touch with them to pay every month. 

Customer service teams are shut down, incorrect phones numbers are given to make payments. The system is so glitchy it repeatedly drops the call. 

Additionally there have even been a few times when I thoughts I made a payment but it wasnt applied. Thankfully I caught it before it was late the first time, but not the second time. 

Furthermore I have not received bills In Several months, and have requested repeatedly to be put on e-communications but typos in my account ( on their side ) prevent me from signing in to my online account and fixing the issues. Lastly, they will not allow me to shut my account down. It is impossible to figure out how. 

The issues with this company has reached a fraudulent level.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is failing to stop reporting bills to credit agencies such as XXXX.

The bills have a responsible third party and are currently in litigation. Trail is wet for XX/XX/2018. My attorneys have notified the company ( listed below ) that the bills are RTP and in litigation. The company continues to report the bill to credit agencies. Ive disputed the reporting twice and have provided XXXX with proper documentation to cease and desist reporting.

UNITED REVENUE CORP Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I got accepted to attend the XXXX XXXX  around XX/XX/XXXX, and I first started XXXX XXXX XXXXXXXX of that same year. In XX/XX/XXXX the XXXX XXXX sent us a random email telling us they were closing down All of their locations without no previous heads up or anything. I never understood the point in accepting students in that same XXXX month window in closing down. I took out loans with them not knowing they were going to close down on us. On XX/XX/XXXX the XXXX XXXX announced immediate federal loan forgiveness for over XXXX former XXXX XXXX XXXX XXXX XXXX Quoted by the President himself, Today, my Administration is approving {$6.00} XXXX in student debt cancellation for XXXX borrowers who XXXX XXXX XXXX XXXX. This institution falsified data, knowingly misled students, and cheated borrowers into taking on mountains of debt without leading to promising career prospects at the end of their studies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX MISSOURI XXXX, Chapter XXXX bankruptcy 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 a account without my written instructions
Product: Debt collection

contacted by collecting agency called convergence which is collecting for XXXX XXXX in XXXX Texas saying I owe {$240.00} the problem is I have never been to Texas to my knowledge have no family living there and was not aware of this XXXX XXXX until they contacted me. I have made attempts to correct this but the are convinced I made this debt, I have explained the state that I live in which is XXXX Tennessee and never been to Texas. who ever did this had all my information including my social and really causing me great stress. I don't know what to do.
Product: Credit card or prepaid card

Credit account was closed before year XXXX  because of a lot fraud charges. But Credit card bank Comenity Capital Bank still puts fraud charge on the account and sends bills to me.
Product: Credit reporting or other personal consumer reports

The following accounts are illegally reporting on my credit report without my written instructions and is a violation of Gramm-Leach-Blilley Act under 6801,6802.

Additionally, FCRA 602 states I have a right to privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions.

I want the listed accounts to be removed immediately. 

XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX If any of these accounts are verified/ updated send me the Description of the Procedures used to verify these accounts in accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) and FCRA 611 ( a ) ( 7 ) which I am privy to in 15 days in accord with law.
Product: Credit card or prepaid card

RECEIVED A LETTER FROM CHASE SAYING ... 

" AFTER CAREFUL CONSIDERATION, WE CLOSED YOUR CREDIT CARD ACCOUNT ON XX/XX/2020, BECAUSE OUR AFFILIATE IS ENDING THEIR BANKING RELATIONSHIP WITH YOU. '' I SPOKE WITH CHASE BUT THEY WOULD NOT GIVE ME A REASON. 

I NEVER EVER MISSED A PAYMENT AND HAVE AN EXTREMELY HICH FICO SCORE OF XXXX. I HAVE MULTIPLE CREDIT CARDS WITH VERY HIGH LIMITS, OVER {$70000.00} THE BALANCE IS VERY SMALL, LESS THAN {$300.00}. 

THEY WILL NOT DISCLOSE WHY THEY CLOSED THE ACCOUNT.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts on my credit report. Please remove these accounts, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about violations of the Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681b regarding the inaccurate information presently reporting on my consumer report. 
As a consumer, I am protected under the FCRA, which mandates that consumer reporting agencies, such as [ XXXX ], must maintain accurate and up-to-date information on consumers ' credit reports. However, despite my efforts to dispute the inaccuracies on my credit report in accordance with the FCRA, [ XXXX ] has failed to take appropriate action. 
Therefore, I demand that [ XXXX ] immediately correct the inaccurate information on my credit report and ensure compliance with the FCRA. Furthermore, I am entitled to seek remedy for each violation committed under the FCRA, as specified in the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I as a consumer have the right to privacy and Capital One has violated my right to privacy by furnishing private credit information under my name without my written consent or without authorization by a competent court having jurisdiction. Capital One was sent my proof of identity, identity theft report, and identification and a statement of what the law requires. They are required to black and delete these accounts within four business days of receiving my notice.
Product: Debt collection

I asked them numerous times to verify this debt they claim I supposidly own with my signuture items purchased and all details of this they are reporting as NEW debt when it says collection was open here is what it shows SWISS COLONY / XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX XXXX
Product: Debt collection

I made a settlement agreement with XXXX XXXX XXXX that if I paid {$300.00} of a {$490.00} balance for a debt owed that once the payment cleared they would contact the credit bureaus to have this debt removed and any history from my credit reports within 30 days. 

The payment cleared in their system on XX/XX/2021. Today is XX/XX/2021, I have called them about 3 times over the past 7 days. Only to be told that I still have to wait before they contact the credit bureaus because it takes 45 days which is not what I was told in the beginning. I called again on XX/XX/2021, and spoke with a rep. named XXXX, she tells me it takes 30 days and the 30 days have not started yet. It was reported to the credit bureaus that I owe a balance of {$190.00}, which is supposed to be cleared as per our agreement. 

I recently refinanced my vehicle and did not get the rate I deserved because this debt is still on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a XXXX Department of ED on my Credit Report in which I am not familiar with
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been impacted by XXXX and XXXX XXXX XXXX, ( ID Theft XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. 
My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I am requesting the immediate removal of these fraudulent accounts from my credit files. The disputed items are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. Furthermore, I have not granted your agency any authority to access or report information about me under the Fair Credit Reporting Act ( FCRA ), which explicitly requires a permissible purpose for such actions. The significant and ongoing impact of this identity theft on my financial and personal life necessitates immediate resolution. I am beyond appalled that I must continually plead with your establishment to DELETE THIS ILLEGAL INFORMATION. Let me be clear : I am no longer requesting that I am demanding that Experian promptly and permanently remove these fraudulent accounts from my credit report. Additionally, I want to highlight that this situation has been worsened by data breaches that grossly mishandled and exposed my sensitive personal information, which your agency continues to misuse. Failure to comply with this demand will leave me no choice but to initiate legal action. I am aware of my rights under federal law and will pursue every remedy available under the FCRA and the Consumer Financial Protection Act ( CFPA ) for the following violations : Negligent or willful violations of the FCRA, which could result in statutory damages of up to {$1000.00} per violation, in addition to attorney 's fees and punitive damages, as provided by 15 U.S.C. 1681n and 15 U.S.C. 1681o.

I will escalate my complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for your repeated failure to comply with federal reporting obligations. I also demand that you refrain from reinserting these fraudulent accounts into my credit file under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) without prior written notice to me, as required by law. The fraudulent activity associated with these accounts has caused severe harm to my creditworthiness and financial stability. I expect this matter to be addressed with the utmost urgency, professionalism, and strict adherence to federal law. This is not a negotiation ; it is a legal demand. You have 30 days to comply, after which I will have no alternative but to seek relief in court.
Product: Credit reporting

I filed a complaint XX/XX/XXXX after pulling my credit report and notice there were Hard Inquires that I had no business with. I called and even mailed letters to Experian telling them they are not mine and had no business with those companies. I want them removed from my credit report. 

I would like for all those Inquires to be removed at once. 
1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ) XXXX XXXX
Product: Debt collection

15 U. S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in XXXX of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!! Under XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything to my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, im trying to get info of the Credit karma settlement. I filled out 1/2 dozen credit card applications, from XXXX and was denied on all. With the assumption that i was pre qualified for the cards from the info that credit karma was giving me. And also was told thru the site that my chances to get approved was great. Please help me get the info i need. Thank you ... XXXX XXXX
Product: Debt collection

I was unaware of my account was XXXX XXXX XXXX  was sold two different times. It was paid in full {$3900.00} to XXXX XXXX XXXX XXXX. The original Balance was XXXX with XXXX XXXX XXXX. 
Open date was XX/XX/XXXX. It is showing negative status as it has been paid in full as of XX/XX/XXXX. And still has a negative status. I am trying to at least get it to show " Paid in Full in Collections ''. I have call 4 total companies about this account. And seem to get no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three major credit bureaus about my bankruptcy information being incorrect on my credit report. The only credit bureau to respond has been experian and they are still not following federal law. As such, XXXX and XXXX are not providing me online access to dispute any of items on my credit report which are inaccurate. 

I have brought these inaccuracies to these three credit bureaus several times. I need my bankruptcy verified by a human, otherwise it needs to be deleted. It has been wrong for over eight years and this is ridiculous. My ability to access the credit markets is limited and all because they are not reporting correctly.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my XXXX XXXX that do not belong to me that I demand be removed 1 ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX is not mine I never opened an account with them at this time. I believe I am a victim of identity fraud.
Product: Credit reporting or other personal consumer reports

This loan has been paid with cash at the Advance America XXXX XXXX XXXX XXXX XXXX, Kansas XXXX.
Product: Vehicle loan or lease

Im with us auto sale now under westlake big problem trying to repossess vehicles
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Dropped my credit score XXXX points for paying off a car loan. This hsould not be the case
Product: Credit card or prepaid card

I filed a dispute in XXXX against Barclay Card for a fraudulent charge of XXXX. I had to do it here and they are awful and will not respond normal ways. It " worked '' and they found in my favor since I never made the charge. I did not trust them, however. After that I attempted to use their online " close my account '' link to downgrade my acct to a no annual fee or even to close it but they said I had to call. I just stopped using my card. 
Today they sent me a new bill for THE SAME XXXX CHARGE THEY ALREADY FOUND I DID NOT MAKE! 
There is no end to their deceit. 
I want this charge removed. I want them sanctioned. And I want my account CLOSED and a refund of my annual fee. I do not want to speak to them again. EVer. I will be publicly posting their deceit and also reporting this to XXXX XXXX for their review of partners.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2014 Balance : {$640.00} Please remove/block this account as they are fraudulent & were opened without my consent or knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 Section 604 15 U.S. Code 1681 B was violated by the credit reporting agency. It is not late and I didn't consent for them to report this.
Product: Credit card or prepaid card

I got approved for Apple Card by Goldman Sachs in XX/XX/2023 and purchased Apple XXXX XXXX with monthly instalment. The next day I changed my mind regarding the color of the computer and went back to the store to exchange it. The specialist told me that he has to make a return and make a new purchase. After making the return transaction, the credit card started declining the new purchase transaction. There were sufficient fund s on the credit card. Barely I found the phone number of Goldman Sachs and called them right from the store. They told me that my account is under review and I have to wait until it is over. The next day I tried to purchase the computer online and after that my account has been locked. I called to the customer service of the bank and again they told me just to wait until the end of the review. I waiting about 1 week after I called them back to understand what is going on. One of the managers unlocked and verified my account. She verified that my account is all set and I can continue using it and purchase items from Apple. I tried to make a new transaction on Apple.com but again it put my account under review again. I called and wrote to the customer service. Every time they were telling me that my account is under review. The next day it wasn't. I called them 10 times, I spent 10 hour staying on the line and talking to the supervisors and managers. Nobody is helping me with this issue. Some of their supervisors just hang up and don't answer the questions. I haven't seen such bad customer service before. They don't tell me the reason of the review. My transactions don't go through.
Product: Checking or savings account

I made a grave error. I applied for a checking account with HSBC. HSBC approved the account. Later they decided to make the account for closure. This is their right. Although they did not tell me why. Nevertheless they are holding my money. It is illegal for them to do this. There was no fraud, nothing. I went to the branch, tried to call them on the phone and all HSBC tells me is that another department is looking handling the account. I get the run around meanwhile they are holding my XXXX. I do not understand why. 
This jas been going on since the beginning of XXXX and it is not XXXX. All Custer service does is tell me another department is handling it Worst is I was told that the department handling it can't take calls, has no phones, does not deal with customers. 

This should not be allowed. 

The customer service is the absolute worst I ever seen at a bank. The worst