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

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$850.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$97.00} XXXX - XXXX - XX/XX/XXXX - {$14000.00} XXXX  - XXXX - XX/XX/XXXX - {$2800.00} XXXX  - XXXX - XX/XX/XXXX - {$8600.00} XXXX  - XXXX - XX/XX/XXXX - {$230.00} XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX  - XXXX - XX/XX/XXXX - {$480.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditors & bureaus regarding these inaccurate inquires on my report. I have not gotten any help I keep calling and calling getting the run around its been months I need this removed ASAP going against my rights I dont even have accounts with these inquires man.
Product: Checking or savings account

I recently had numerous fraudulent charges come onto my Wells Fargo checking account that were clearly unrecognized charges and they were not able to help me or listen to me. As a result not only did they not provide assistance to get my money back they deemed my account a risk and force closed it after being loyal to them. They also promoted a {$250.00} checking bonus for opening the account if I met qualifying deposits ( which I did ) which was the whole reason I switched to Wells Fargo but they would not honor it.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I've recently checked my consumer reports and noticed that is serverval credit cards that I have NOT APPLIED FOR. THE CARDS GO AS FOLLOWED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to fedral law your in violation, did not apply for these cards and do not wish to have theses accounts furnished on my consumer report. By law all transactions regarding such activities are ILLEGAL under 15 U.S. Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the accounts corrected as soon as possible XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX
Product: Bank account or service

Some how some one made a copy of my debit card and went to XXXX different Chase banks and withdrew {$500.00} each time on XXXX/XXXX/2015. Bank notifed me by text asked if I did transaction, I said no, then I called the Chase Bank to in form them it was not me. Every person I spkoe to at Chase was rude and unprofessional, even told me my account is frozen and that Im not allowed to open another account at Chase because Im a high risk. I even had a gentlemen " XXXX " tell me If I had the card in my pocession then I must have done it. I was beyond XXXX. A victim and treated like a criminal. I was told at this point the person also deposited a check in someone elses name through ATM into my account. I told them it wasnt me and that took them a week to inform me of this. Back and forth several days, weeks and even going into XXXX banks to get my money out ( even the money that was left in my account ) they would not allow me to have access to it. I called again they told me that check sent out on XX/XX/XXXX, I called yesterday XX/XX/XXXX they said check went out on XX/XX/XXXX. Here its the XX/XX/XXXX and I still have not recieved my money. Is this legal for them to do. I did nothing wrong and I feel like they are the criminals they have my money and wont give it to me. I have been told by others that it has happen to them and their bank did not treat them like this. What can I do? What legal rights do I have?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX mandate that the three credit bureaus confirm these details ( XXXX  ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I didn't receive information about the attempt to collect the debt and wasn't afforded the chance to settle the debt, and was blindly sued by ; Plaintiff ( s ) CitiBank, N.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Case number XXXX Court XXXX XXXX Justice of Peace, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022, I was served with the citation and called XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with XXXX XXXX and was told they sent a demand letter by mail. I responded that all of my information remained the same and that the mail must not have reached me and was maybe lost, but I did not receive it. I also mentioned that a lawsuit without first calling me to settle the debt is a bad business practice and has brought me more stress, especially since I am an unemployable XXXX XXXX XXXXXXXX veteran and that my only source of income is VA benefits and a Department XXXX Defense annuity. She further requested that I send my bank statements to their attorneys for review. 

This is a bad business practice, and not only that, I am being put through unnecessary pain and suffering the fact that I have a medical condition such as XXXX XXXX that is being triggered by their lack of due diligence. All CITIBANK had to reach out instead of the unnecessary lawsuit without exhausting all means to settle the debt.
Product: Debt collection

I have requested that the items of the so-called debt be investigated. By the provisions of 15 USC 168 of the fair credit reporting act of 1970. Verification of accurate information, name address, and history. Under federal law they have 30 days to do so. They have broken federal law and have no regard to time, date, and me as a lawful citizen.
Product: Mortgage

On or about XX/XX/XXXX I responded to an e-mail from Rushmore Mortgage saying " I may be eligible for re-financing '' on the mortgage they currently provide to me at my primary address. On or about XX/XX/XXXX I got a call from XXXX XXXX a Rushmore rep. Between then and XXXX or so we had ongoing e-mail and conversation. On XX/XX/XXXX Mr XXXX confirmed offer of 2.5 % 30 year mortgage with {$2900.00} in closing fees to be rolled into mortgage that would close in XX/XX/XXXX. Since then I have responded to all their onerous info requests promptly ( within 24 hours ) and completely, even though 1 ) Mr XXXX had told me there wouldn't be a lot of info needed from me because they were merely re-writing an existing loan on the same property because I had such " a good track record '' with them 2 ) the info requests for duplicate and triplicate requests for info that had already been provided. On XXXX XXXX Mr XXXX confirmed that my refinancing would be for 30 years@ 2.5 %, costs rolled into loan, and I'd get a {$2000.00} credit (? ) Date TBD. XX/XX/XXXX I became alarmed when I received notice from the homeowner 's insurance company for my weekend house that Rushmore Mortgage had been added to that policy as the mortgagee. Rushmore has no mortgage on that property! Likewise, on XX/XX/XXXX I hear from the homeowner 's carrier on my primary residence telling me she had heard from Rushmore about a mortgage on my primary residence that was scheduled to close that day ( of course I told her it was news to me ) I e-mailed and spoke with Mr XXXX, yet again, about the mortgage status last week. He told me his problems and had no idea of my e-mail about the XXXX XXXX  change or XXXX XXXX  XXXX call. I asked for him to get back to me by Monday XX/XX/XXXX with explanation and a closing date. Because I hadn't heard back from Mr XXXX by XX/XX/XXXX, I contacted CFPB and filed a complaint. Because my bill from Rushmore refers to them, of course, and to XXXX XXXX, I said the complaint was with Rushmore. I received their response late last week telling me to contact XXXX XXXX. So, here I am again filing a complaint!
Product: Debt collection

When I called to clear debt the company had XXXX information about the debt
Product: Consumer Loan

I had a lease with Toyota, for a Toyota Camry XXXX, starting in XXXX XXXX thru XXXX XXXX. My wife is the primary driver and soon after getting the Camry, we wanted to trade the Camry back in and get something that sat a little higher up and would be better in the winter time. Between XXXX XXXX and XXXX XXXX, my wife or I went back to try to work a deal out with Toyota for getting another vehicle, and each time Toyota wanted {$75.00} - XXXX/month more for a vehicle, which was out of my budget. I finally went to XXXX and worked a deal for a XXXX Rogue in XX/XX/XXXX, XXXX agreed to pay the Camry off in full and return the car to Toyota, the XXXX salesperson called Toyota financial for a vehicle payoff amount and Camry was paid off. In XXXX XXXX, Toyota sent me a bill for a month 's payment, which was XXXX and a Disposition fee of {$350.00}, which Toyota claimed to be paid by XXXX/XXXX/XXXX. I did not pay it, and am filing this claim because Toyota will end up sending the bill to collections.
Product: Checking or savings account

I have had the financial institution of Navy Federal Credit Union, as my primary means to engage commerce since the late XXXX 's. I have experienced some health challenges that seriously impacted my functioning. The NFCU made the decision to close my checking account about XXXX. The account, remains closed to date. This eliminates any opportunity to I would have to engage in Point of Sale transactions with a debit card. 

I receive a compensation based on my military service and current health condition. The NFCU has always said once member always a member. Why is it acceptable that I do can not have debit card nor credit card, while my compensation is deposited my account? I have and continue to be shut out of engaging in commerce during a time that cash transactions are being less integral to daily life. I have attempted to resolve this matter in writing on the following dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. If you could assist me in this stalemate ; I would greatly appreciate it. 

No monies have been taken from me per se. However when NFCU sold account under name with the exception of my savings accounts, I have been limited to access proper nutrition, and all other aspects of my self care. As a XXXX XXXX XXXX of XXXX descent whom has XXXX to support the USA in the time of XXXX  ; I have become dismayed. Is this what NFCU means by the mission is our members? 

Yours truly, XXXX XXXX
Product: Credit card

On XXXX I purchased a single tire on Walmart website ( order XXXX ) that was scheduled to be installed by Walmart Auto Center XXXX XXXX XXXX. 

I paid for the above product using Walmart/Capital One Credit Card .

Once I presented to Walmart Auto center it was determined that the tire was intact but a pressure sensor was at fault. 
Pressure sensor was exchanged for which I paid using the same credit card. 

Once a received a credit card statement I found charges for a tire never installed. 

I disputed charges with Capital One credit card. 
Walmart response was that a tire was picked up on XXXX XXXX. 
Computerized XXXX account indicates that a tire was also picked up on a different day of XXXX XXXX. 

Both statements are false. 
No tire was ever installed or picked up by me. 



Within days charges to my credit card were reposted. 

I contacted Capital One credit card with no sensible resolution
Product: Student loan

XXXX co-signer release form invalid signature. 

New application started. 
XX/XX/2021 co-signer release application call us letter. I called and the costumer service operator advised no information was needed and the application was goi g to be processed. 

XXXX co-signer release application call is letter expiring letter. 

XX/XX/2021 co-signer release reapply letter. 

I called on XX/XX/2021 at approximately XXXX hours because the system stopped sending me emails when I have new messages on their website. The last message I received was in XX/XX/2021. 

The operator advised me that they took too long to process the application and it expired, and they have to start over. She said I had to send me a new reapply letter and I would have to start over and they were going to pull my credit report again.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated RESPONSE stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency and have submitted information that " was not in your file ''. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on ( XX/XX/2022 ) by the CFPB PORTAL ( XXXX ) that I questioned the accuracy of a few items on my credit reports. That complaint was written by me and submitted by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : XXXX. XXXX XXXX is account number XXXX This account is inaccurate and must be deleted. This is the original account that STILL REMAINS ON MY CREDIT REPORT THAT EQUIFAX IS ALLOWING TO BE REPORTED AGAIN BY PORTFOLIO : XXXX. XXXX This is a duplicate account and must be deleted. 


XXXX. XXXX This is a duplicate account and must be deleted. 


I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute an outstanding balance listed on my rental history, reported by Assurant Recovery Solutions. I believe this information to be inaccurate and request that it be investigated and removed under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( 15 U.S.C. XXXX ). 

Under the FCRA, I have the right to dispute incomplete or inaccurate information and to have it removed if it can not be verified as accurate. Please be advised that : XXXX. Inaccuracy of the Debt : The balance of {$2900.00} claimed by Assurant Recovery Solutions is not valid. I have reason to believe this amount is either incorrect, not owed, or has been settled in a manner that renders it invalid. The management company never notified me of any outstanding balance during or after my tenancy, and I only became aware of the alleged balance when it appeared on my rental history report. Furthermore, they sold the balance to a collection agency without providing me any prior notice or opportunity to address the matter, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). After I reached out for clarification, the itemized list they provided included two damages for which they failed to provide any proof, further calling the validity of this claim into question. 
XXXX. Request for Verification : Under the FCRA, you are required to verify the accuracy of this debt with the original reporting entity. I am requesting copies of any documentation, contracts, or agreements substantiating this claim. If this debt can not be verified, it must be deleted from my records immediately. 
XXXX. Potential Violation of FCRA : Reporting inaccurate or unverifiable information is a direct violation of the FCRA. If this issue is not resolved within the legally required 30 days, I may pursue legal action to protect my rights under the law. 

I request written confirmation of the results of your investigation. If the balance is not removed, I further request a detailed explanation, including evidence of verification from Assurant Recovery Solutions. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

This letters complaint to fixed and delete inaccurate and misleading accounts XXXX XXXX XXXX  Balance Owed : {$15000.00} DEPTEDNELNET XXXX Balance Owed : {$4800.00} DEPTEDNELNET XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX Balance Owed : {$0.00} -tied up XXXX XXXX Balance Owed : {$310.00}
Product: Debt collection

I went to the emergency room listed on my medical insurance card. I paid my copay. About a year later I got a bill from a collection agency with limited info about what the bill was for. I called and they said it was for an ER visit about a year ago. I paid the bill with my FSA. A few days later i received an email from our payroll company questioning the validity of the charge. I called the collection agency and asked for a description of the charge to provide to my payroll company as I needed to prove it was for medical expenses. They said that I would need to obtain this information from the creditor. I have not been able to get a hold of the creditor and have been put off by everyone else involved. The debt collector said its not their responsibility to provide me with this information. This bill was for a private contractor doctor who never submitted it to my insurance or myself. I never received a bill. The first time I received anything in regards to this was from a collection agency! This seems to be unethical at best. Now my payroll company is threatening to suspend my FSA and my wife is XXXX XXXX XXXX XXXX XXXX in less than a week. I XXXX the company who sent my debt to collections and they have lots of negative reviews from other people experiencing the same problem. They never send a bill, just send people straight to collections! There is something wrong with both of these two parties and they are working together to overcharge consumers. I have spent about 2 hours  every day for a week trying to obtain a receipt from this charge to provide my payroll company proof this was a valid charge. Please help.