23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I want to reopen my case which was XXXX XXXX first of all I was never given an opportunity to answer back before they closed my case. I have more than enough proof to show that Im still missing {$100.00}. When I opened up the dispute it was {$230.00}. Yes they did pay me back the XXXX. But XXXX still missing XXXX charges that I will show you in my account that they went ahead and paid those fraud people. that is a total of {$100.00} that is still owed to me. That equals all together {$230.00}. I have no need to lie or be accused of lying. I only want what is mines and what is mines. I work too hard for my money and I will be damned if somebody will take my money from me. They are lying and if I have to go to court, I will go to court and file a lawsuit. I have already spoken to an attorney and they think I have a very good case. XXXX not threatening, but XXXX just saying what I need to say. XXXX XXXX XXXX XXXX. I dont need this kind of harassment and hassle in my life, I will show you the attachments exactly what they owe me. Who are they to choose and pick what they owe me. On XX/XX/XXXX I opened up my dispute with all those charges that equal {$230.00}. They just chose to pay me just {$120.00}. They still owe me the {$100.00} that I will show you that they paid that fraud company or whoever those people were be nice is somebody will give me the opportunity before they close my case. If they would take the time to go into my account, they will see exactly what XXXX talking XXXX have copies of it all. I would appreciate next time if I can have the opportunity of explaining myself before my case is closed. Not always do the company have the correct answer as you can see thank you XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conspiracy Against Rights. ( A Federal Crime Has Been Committed ) By XXXX.Please see attached.
Product: Credit card or prepaid card

I reserved a car online from XXXX for the pick up and drop location at XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX on dates of Fri, XX/XX/2023 at XXXX XXXX to Mon, XX/XX/2023 at XXXX XXXX for a total of US {$170.00}, confirmation number XXXX. When I arrived I presented my documentation with my reservation since there was a language barrier. During the time with the representative I didn't include any other additional options that were represented to me and I communicated as best as I could since I wanted to remain at the cost of my original reservation. As I thought after asking asking multiple times did he understand the representative confirmed he understood. When I returned the vehicle in the condition I picked it up in, I asked the representative checking me out was I charged the correct amount and he confirmed it also even though it was a language barrier with him too. As I trusted in XXXX representatives to provide me the correct information I proceeded to leave since I couldn't verify anything since no one was fluent in English and I couldn't wait around being that I had a flight to catch. The next day I checked my AMEX portal and seen I was charged US {$480.00} when my charge was supposed to be US {$170.00}. I disputed the charge with AMEX on XX/XX/2023 and provided the accurate document stating the amount that was provided from XXXX when I reserved the vehicle and wrote a description of what transpired at the location. On XX/XX/2023 AMEX sided with XXXX and closed the dispute stating since XXXX provided documents with my signature that was enough to side with that party which is ludicrous. All I want is fairness from both parties and being a loyal customer with AMEX for years I would expect the company to have the quality of being equitable.
Product: Debt collection

ATTENTION TO CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ). I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire XXXX SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

Trans Union is reporting a collection debt on my record without any knowledge at all - I have not received communication or details other than a manufactured name - XXXX  there is no XXXX  in the usa nor am i associated with anyone named as such Trans Union has my wrong spelling and XXXX is just reporting something from XXXX XXXX  have no accounts with XXXX XXXX  and someone from resurgent is harassing me which is associated with XXXX Trans Union lost data and all of our ss numbers went offshore I want NO dealing with Trans Union I lost a job because of them
Product: Checking or savings account

I trusted Marcus with the {$360000.00} in savings to buy a home. 

They've held my funds XXXX for more than a week and I am at great risk of loosing the house from inability to close. 

I've have been requesting a wire transfer from Marcus since XX/XX/XXXX, and it's now after hours on XX/XX/XXXX, I'm still waiting. I've been calling every day and they can only tell me it's pending or run me through a few more hurdles of verification steps. 

I've done more than half a dozen iterations of security verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I've spent nearly a dozen phone calls and almost XXXX on the phone ; I'm currently on hold again with them again, XXXX XXXX  and counting. 

It seems like they are deliberately holding my funds hostage. 

They said if I was to cancel my account it would take them longer, so I just need to keep going through this waiting game on their authorization of a wire transfer. 

8 days and counting...
Product: Credit reporting or other personal consumer reports

Friday, XX/XX/year>XXXX  To whom it may concern : Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. 
Enclosed are the following : A copy of my identity theft report A copy of my drivers license to verify my identity Unrecognizable Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX # XXXX Unrecognizable Address : XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Thank You XXXX XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I woke up this moring and found out that the complaint I sent in regards to my personal information is stillincorrect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
XXXX XXXX XXXX XXXX XXXX 

Experian XXXX XXXX XXXX XXXX, TX XXXX. 

Subject : Request for Name Change, Profile Merge, and Updated Credit Report Dear Sir/Madam , I am writing to request an update to my credit profile due to a recent legal name change. Please find my details below for your reference : Old Name : XXXX XXXX XXXX New Name : XXXX XXXX XXXX I kindly request the following actions be taken : XXXX. Update My Name : Please update my credit profile to reflect my new legal name. 

XXXX. Merge Credit Profiles : If there are separate credit profiles under my old name and new name, I request that they be merged into a single profile to ensure accuracy and continuity of my credit history. 

XXXX. Request for New Credit Report : Following the updates, I would like to request a copy of my updated credit report to confirm that all changes have been accurately made. 

For your reference, I have enclosed copies of the following documents to support my request : A copy of my legal name change document. 
A copy of my government-issued ID. 
A copy of my government-issue Social Security Card . 
Proof of address ( Most recent utility bill ). 

Please confirm receipt of this letter and the actions taken at your earliest convenience. If you require any additional information or documentation, do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Vehicle loan or lease

In XXXX of 2019, I called Santander Consumer inquiring about refinancing. I was informed that they do not refinance by the representative and shortly after that I started receiving missed payment notifications on my credit report. My credit score started off in the low XXXX 's and now is in the mid XXXX 's. The main reason as to why I called about refinancing was because my interest rate is high. I have worked diligently to change that and I have. I have called them on several different occasions on this matter but have had no response on this particular matter. No one will refinance me now because I show have recent late payments. I have paid my bill the same way since starting the loan. I never received any mail regarding in delinquencies on my account primarily because they have been reluctant to put real address on any of my mail. The dealership, Santander Consumer, and the credit bureaus all have been made aware of my address being incorrect. No entity has corrected it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX of XXXXXXXX XXXX keeps reporting that I had an auto Loan with them I do not. I every time I dispute it with the credit bureau it comes back as verified and they will change the amount and they type of loan.I have requested the loan documentation numerous times over last XXXX years and they have failed to respond. I repeatedly told them that I didnt request and auto loan and that I want the loan documents so that I can file a report but they have not responded. I bought a car XXXX XXXX of XXXXXXXX XXXX. On XX/XX/2015 it was a buy here pay here lot XXXX XXXX was supposed to be a payment processor. I never agreed to any third party financing nor did I authorize any one to enter into a loan agreement on my behalf.
Product: Debt collection

well Macdowell and associates I called to settle my debt XXXX is supposed to be the collector on the my case well I asked her for a settlement amount and she begin to get rude with me about no I can not settle for {$900.00} and I have to meet somewhere close to the amount owed. I don't know why they would place a different amount on my credit report then when I call in the amount is totally different then what is stated on my credit report. I never received any communications about this debt and the only way I found out due to its income tax season and I usually pay my debt off around this time. XXXX seems rude and unethical remarks makes it no better I am not the first to complain about this due to she has her name posted in XXXX review from a complaint another consumer posted that was also trying to settle their debt but could not due to XXXX was very rude and uncanny and hung up the phone on me and the other consumer when I was simply trying to see if we could settle. she began to state that all of her bills were paid and she did not have anything to worry about. okay where did that come from I just want to see If we can meet in the middle somewhere then she began to be very harsh and say what are you offering to pay I gave her a figure and she proceeded to keep telling me repetitive but in a sarcastic way no that's not good enough and she hung the phone up on me when I attempted to call back they would not answer the phone. I have attempted to submit payment to this company and they refused and mailed the payment back since it was not the amount that was agreed on. this incident happened at XXXX on XX/XX/18 ( MacDowell and associates XXXX XXXX XXXX # XXXX, XXXX, GA XXXX )
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXXXXXX XXXX IS REPORTING NEGATIVE ACCOUNT ON MY REPORT. 

XXXX XXXX XXXX XXXX XXXX AMOUNT : {$2600.00} DATE : XX/XX/year> ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in Englehardt v. Gravens ( Mo ) 281 SW 715, 719, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists.

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXX
Product: Student loan

On XX/XX/XXXX I entered into what was thought to be a standard 10-year repayment program with Navient Student loans. This was for both Stafford and Direct student loans. On XX/XX/XXXX my repayment amounts went up. I contacted Navient and they stated that my Direct loans were on a graduated repayment plan but my Stafford loans were on a standard repayment plan. I told the representative that I did not sign up for a graduated repayment plan for any of my loans, and that if I was going that route I would have done it for all of my loans. I asked her when this went into effect and she stated it started from my first payment on XX/XX/XXXX. She then stated that they have no record of the disclosure of terms of service being sent to me and they would send one now. I explained that I have spent 2 years paying interest only on the Direct loans and it does not do me much good to have a disclosure of the terms of service now but it would have been great to have it when I started. She stated they could move me to a standard repayment plan now, which would increase the total monthly amount by almost {$200.00} from my original payment. I asked what my standard repayment amount would have been and she said she was not sure as she would have to calculate it from the original balance, but it would have been lower than the newly quoted amount. I shared that I would not have agreed to making interest only payments for any portion of my loans for any time frame and that had I been disclosed that my Direct loans were on that program I would have immediately switched them to a standard repayment plan. She ended the call with saying she would put in a request to see how the Direct loans were originally put into a graduated payment plan, whether it was online or by phone. She also said they would be sending me a Terms of Service disclosure for the graduated loans that she had no record of ever being sent to me when the loans started. I told her I needed to check with a financial adviser prior to making any further changes of those loans and that I need to talk with an attorney.
Product: Debt collection

About mid-XXXX a door to door salesman came and offered bug-spraying services for out home. He said he would get us a great rate at {$10.00} for the first service and {$25.00} per service for the rest of the year. We agreed and got a charge for {$10.00} to start on XX/XX/2018. Then, a month later on XX/XX/2018 I got a charge for {$89.00}. Since this was well over the {$25.00} promised amount, I immediately disputed the amount above {$25.00} with my credit card company. That dispute was lost and I had to pay, so we refused further payments and services. Now we are getting a bill for {$200.00} which seems exorbitant to me, and very different from the product we purchased. We had 3 total services, so our total paid should have been {$10.00} + {$25.00} + {$25.00} for a total of {$60.00}. I'm not sure where the {$200.00} bill came from, as per our understanding we have paid over the agreed amount already for services received.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened in XX/XX/2016with XXXX  ( XXXX XXXX XXXX  ) XXXX ( I don't know what these initials mean ). The account number on the bureau is XXXX. Around the same time an address from California ( I live in Georgia ) appeared on my file. I conferred with several experts in fraud and they confirmed that this account has all the red flags for such an account. The account was opened, immediately charged to the limit and no payment was ever made on it from the beginning. 

I disputed this account with XXXX and Trans Union and they not only left it on my file. They did not block it from display ( as provided for in the Fair Credit Reporting Act ). This is a violation of my federal rights. 

I have provided copies of a fraud affidavit ( FOR INFORMATION PURPOSES ONLY ) I do not expect the CFPB to file this affidavit..but I do expect for you to make XXXX and Trans Union adhere to the federal law.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  Date of inquiry : XXXXXXXX  does not have a permissible purpose. This company has no legitimate business reason because I do not have a contract, nor have I ever done business with this company. And as per the Fair Credit Reporting Act, for anyone to furnish information on my consumer report a permissible purpose must be given. I have not ever given any of this company permission to report anything, nor have I had any contractual or business obligation with this company. They have used and possessed my information without my knowledge or approval. 15 U.S. Code 1681b