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

I purchased items XX/XX/XXXX from XXXX XXXX in XXXX, MN. I left town for my father 's funeral and when we arrived out of town, I realized that the items where not in the bag. I called the store on XX/XX/XXXX to let them know that I was missing items. I spoke with the store manager and he said that the items where at the store and that they would get them credited back to my XXXX XXXX card. I called XXXX XXXX when I returned to check if the missing items were returned to my card. The assistant store manager told me that they were credited back to my card and that if the credit didn't show didn't show up by the end of the Statement closing period XX/XX/XXXX that the total I was not to paid was {$100.00}. I made a payment of {$200.00} on XX/XX/XXXX to bring the account to the {$100.00}. I called XXXX store along with XXXX XXXX customer service to find out what was the hold up on the credit. Both sources informed that they were working on the credit and that once it hit it would be a XXXX balance. XX/XX/XXXX the credit was still not on the card. I called XXXX XXXX again and was told that it was being held up on the credit card side. I called Customer Service again and explained what I was told and that I didn't feel I should have to pay a late fee since I was told for the last 4 months that the credit I never made another purchase on this card after XX/XX/XXXX. I kept calling XXXX, XXXX, XXXX and they kept waiving the late fee 's, which if they really believed these were late fee 's due to me not paying my bill why would you refund them all? In XXXX I was finally able to get ahold of someone who was willing to look at everything with me. She seen that there was never a credit made to my account in XXXX nor XXXX for the missing items. According to the letter from XXXX ' this was a courtesy that they would put in for {$150.00} refund on late fees, and a store credit of {$91.00} which was later changed to a {$51.00} credit. I was mailed a check for {$37.00} which why would you mail me a check if I was really late? This has affected my credit and took it down XXXX points plus reports that these were all late fee 's. There would not have been a balance as of XX/XX/XXXX if the credit would have been applied. I have talked with the Attorney General of MN and they said that this source would be best to reach out to as XXXX XXXX feels that there was nothing wrong with this and that the payments were late even though the credit that should have been on the XXXX statement at the latest wasn't applied to my account until XX/XX/XXXX. I am begging for help with this.
Product: Credit card or prepaid card

1 ) I registered my CapitalOne Spark Business Visa Credit Card with Visa XXXX early XX/XX/2020. This Visa program run in conjunction with participating banks including CapitalOne offers discounts from participating merchants in the form of statement credits after qualifying purchases. I am supposed to see these statement credits applied to my CaptialOne card statements. 

2 ) I made subsequent qualifying purchases in XXXX, XXXX, and XXXX from XXXX expecting to receive the 5 % statement credit promised. 

3 ) I have received no 5 % credits. 

4 ) I contacted Capital One and spoke with 3 representatives on the phone all of whom were unable to assist me in pursuing the missing statement credits for my CapitalOne Spark Business Visa. 

5 ) The contact number for the Visa XXXX program XXXX has not worked for the past month - I always get a recording saying this number is experiencing technical difficulties. 

Please assist me in getting the missing credits from my qualifying purchases applied to my CapitalOne Spark Business Visa credit card account. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I discovered negative reporting information associated with " XXXX/XXXX XXXX XXXX '' on my XXXX, XXXX, and XXXX credit reports. The information reported shows that the loan is in individual account in the amount of {$5000.00} that was opened XX/XX/XXXX with a monthly payment of {$240.00}. Being that I knew nothing about that information or whatever was reported or any knowledge at all of this account, began the dispute process. I advised XXXX/PNC that I have never taken out a private student loan other than the one with XXXX XXXX in law school. Months went by, my dispute went unheeded. Most recently, I began the dispute process again, having seen that nothing had been resolved. I received a notification in XX/XX/XXXX, that the debt had been verified as accurate. I requested copies of any and all documents relied upon in order to make this verification. Over 90 days have past and XXXX/PNC has failed to provide me with any verification of this account or debt, showing that it was me for applied for an received this loan. I have requested over and over for them to remove this negative reporting from my credit report as is continues to remain listed as a derogatory mark, which affects my credit worthiness.
Product: Debt collection

I C System is a collection agency reporting 2 debts on my CBR. 
XXXX XXXX which was paid in full to XXXX XXXX prior to my XXXX  in XXXX. 

Another is for XXXX XXXX XXXX XXXX which shows opened while I was in the XXXX XXXX XXXX XXXX in XXXX. Not possible to get a cell phone account in XXXX. 

I have contacted IC System to validate both debts on numerous occassions and have never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED SEVERAL COMPLAINTS FOR INQUIRIES LISTED ON MY CREDIT FILE THAT ARE NOT MINE, THERE IS A FRAUD ALERT ON MY CREDIT FILE AND TRANS-UNION HAS BEEN ADVISED TO REMOVE THEM AND THEY ARE DOING NOTHING BUT SENDING ME A CANNED MESSAGE SAYING THAT THEY ARE FACTUAL RECORD OF FILE ACCESS, AND THEY WILL REMAIN, THE FCRA STATES THAT FRAUDULENT OR UNVERIFIABLE INFORMATION NEEDS TO BE REMOVED FROM THE CREDIT FILE. 




XXXX- XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX WHY IS THERE ANOTHER INQUIRY FROM : XXXX XXXX XX/XX/XXXX & XX/XX/XXXX- THIS CARD WAS OPENED 5 YEARS AGO XXXX XX/XX/XXXX- SAME THING THIS CARD WAS OPENED 2 YEARS AGO, SHOULDN'T BE ANY OTHER INQ SINCE MY FILE IS FROZEN. 
XXXX XX/XX/XXXX- CARD IS 6 YEARS OLD, SHOULDN'T BE ANY OTHER INQ
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2021. I mailed out letters to XXXXx, Transunion and XXXX on XX/XX/2021 about inaccurate information reporting on my consumer report. I have not received any response and its been over 60 days and thats a Violation. Also, XXXX, Transunion, or XXXX also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 60 days.
Product: Credit reporting or other personal consumer reports

Equifax has made improper investigations of my credit report
Product: Debt collection

Simon Agency Inc. 
XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX {$4200.00} XX/XX/2018 i pulled my credit and noticed that i had several accounts on it that are not mines. I reached out to all of them to explain my situation of being a victim of identity thief as well as to the credit bureaus. I wrote letters to this collections asking for the original contract with my signature on it, in return they sent my a copy of monthly statements from the original collector. I filed a report with the FTC and the Internet Crime Complaint which i mailed them a copy as well. I also wrote and sent a copies to each credit bureaus as well. I also asked each bureau to send me the original documents that the collector sent them that keeps them saying they varified the account is mines and they are sending me nothing with my signature on it as well. Iam asking they remove and delete this collection from my credit report please.
Product: Mortgage

On XXXX XXXX, 2016 my home was damaged by a hail storm. Following the inspection by my insurance adjuster, I contacted my mortgage servicer, PennyMac, on XXXX XXXX, 2016 to initiate the claim process and determine what documentation would be required to repair the damage to my home. At that time the specialist informed me that I am able to act as my own general contractor and emailed me the claims package with the required forms and all documentation I needed to return. The specialist was very clear in her instructions, detailing all information I need to provide on the notarized Mortgagor 's Affidavit and as well as the information I needed to include the letter stating that I will act my own contractor. 
Once all required documentation was collected and the claim checks received by the insurance company, I overnighted all information to PennyMac on XXXX/XXXX/2016. On XXXX XXXX, 2016 PennyMac received all documentation in the overnight packaged and proceeded to deposit the insurance claim checks on XXXX/XXXX/2016. 
Based on the information I received from the PennyMac specialist on XXXX/XXXX/2016 and after receiving the insurance adjuster 's damage estimate, I began to make the necessary repairs to my home paying for the materials from my personal funds, based on the knowledge that I was able to act as my own general contractor. 
I did not receive any correspondence or other communication from PennyMac with the status of my claim. On XXXX/XXXX/2016, I called PennyMac and spoke to another specialist who informed me that my account was in " Express Monitor '' status and the accounts payable department is in the process of creating your disbursement of the full amount of insurance claim. She informed that it can take 4-5 business days and advised that I call back on XXXX/XXXX/2016. When called back on XXXX/XXXX/2016, a new specialist informed me that more documentation was needed and I need to return a signed work contract, lien release and XXXX from a licensed contractor to get my funds released. The specialist said that I am not allowed to act as my own contractor. This is in complete contradiction to the information that was provided on XXXX XXXX, 2016. I 'm begin to occur interest on the out pocket expenses and not sure what recourse is available to receive the insurance claim funds that PennyMac is in control of.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two child support cases that are being reported on my credit file. The balance amounts are incorrect I have no balance on my account there is only 1 case that I had and my child is over XXXX years old and the account is closed never paid late and satisfied in full. 
I noticed another account is being reported on my credit which Is not mine. I requested validation to be made and re-investigation there has been no effort made from the credit bureaus. There is also a repossession being reported which does not belong to me but its being reported on my file being reported as my vehicle.
Product: Checking or savings account

I have been trying several years to close my CD from XXXX  with XXXX XXXX Morgan Stanley I have mailed the documents they have requested several times. 


I would like to the deposit amount mailed to my residence in XXXX XXXX as requested previously. 

My current state ID with current address is attached. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ma XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX EXPERIAN XXXX XXXX Re : Acct # UNKNOWN BALANCES ON BOTH CLOSED ACCOUNTS ARE $ XXXX/ {$6000.00} To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I HAVE LATE PAYMENTS ON MY CLOSED XXXX XXXX STUDENT LOANS This is a formal notice that your erroneous claim ( s ) is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC :  Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit card

The American Express credit card from XXXX has decided to close all the present accounts and transfer to a XXXX Credit Card. Upon closing the accounts ( Nationwide ) XXXX consumers will be subjected to a hit on their credit report for American Express closing these accounts. There is nothing any of the XXXX American Express credit card holders can do. As soon as their cards are closed ( By XX/XX/2016 ) all consumers will have their credit scores negatively impacted by closing of these accounts. There is nothing that can be done. I tried to keep the account open, they will not and no other consumer will either. This is a business decision done by American Express which will negatively impact XXXX consumers credit scores/reports ( including my own ) by closing this credit card account and opening the new account. I contacted American Express and they indicated that there is nothing they can do and that each person can contact all major credit companies and dispute this on their own, which is not only something an unsophisticated consumer will not do, but since Amex is closing the accounts, nothing they will do either. This is an engregious practice negatively impacting the credit scores of a a large number of consumers for the whim of American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying over the past 4 months to get access to my credit report at Myequifax com, each time i called I'm given the XXXX for someone in support to help me. At each call the support states waiting an hour for trying again and it still does not work. I contact the customer support office today at XXXX and was told the phone system was unable to verify my identity even though she did. She informed me that I had to either fax or mail a copy of my TDL and SS and once received it will take 507 days to process. She stated once i received notification from them ( Equifax ) I can call them to ask some to reset my password, if they can verify my identity. I explained to her I have been trying to get access to my account for about 4 months and to no avail. I just want a copy of my credit report so that I can dispute some items on it and make corrections. Please assist me in getting this issue with Equifax taken care of, I believe in security but this is reluctant.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this transaction, I did not fill out a credit application or loan application with this company. The inquiry reported on my credit file is fraudulent. 

XXXX XXXX XXXX
Product: Debt collection

I was a victim of fraud. The card was through XXXX, XXXX. Was turned over to debt collection called credit control , LLC they continued to call send letters and threatened me until i just paid it. After paying it I still received letters from them stating it was unpaid!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last active between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX this account is re aged.they are reporting 2 different credit amounts {$1500.00} and {$0.00} different account numbers are being reported if you take a look equifax has a dash in fornt. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Debt collection

Perfection Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX   This group cost me time and money in XX/XX/XXXX and now I know why! They reported to credit without complying with the law by giving me notice to dispute a debt. 

I received a letter today that this account is reported to my credit. I do not owe this account and did not have a chance to dispute the validity. The letter received today is the first ever communication I have received. 

Creditors should stay away from using this collection company. Perfection Collection will get you sued!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian & XXXX  are reporting an erroneous collection on my credit report for XXXX XXXX XXXX - XXXX - I never received one notice regarding this debt, it just showed up on my credit report. This was paid
Product: Credit reporting or other personal consumer reports

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 reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This complaint is being sent to the bureaus due to an unsigned letter of debt and several listed errors on my credit file.Please be advised that the items below are disputed and validation and proof of claim of the disputed debt are requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 

This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that a re-investigation with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, please advise all debt account companies shall cease all verbal communication. No phone calls to me or my job. 
Due to this fact ; if any negative mark is found on any of the credit reports by these companies or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) Please provide verification or delete these items : XXXX XXXX CU # XXXX, XXXX XXXX # XXXX, XXXX XXXX, # XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo indicated loan was on deferment, then reinstated it without telling our son. As a co-borrower, XXXX payments were listed as late and this has effected credit rating. When my son found out the loan was reinstated, he tried to pay, but their electronic system was down, and they issued another late payment on our credit report.
Product: Credit card

I am asking for your assistance in investigating accounts with inaccurate late payment reports. When I was laid off, I requested forgiveness, which they approved, yet they continue to report the payments as late. Despite my efforts to follow up, Ive received no updates, leaving this as my last resort.