23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It has not been easy speaking to management regarding statements. 
When asked to please provide statements showing received payments, XXXX ; Columbia refuses to provide documentation. I am currently on hold with a representative, but I get the feelings they're wishing I disconnect from the Call. Currently on hold for XXXX minutes. I have been trying to pay this debt, but am afraid to overpay due to XXXX supporting docs being provided. All I receive is word of mouth from the XXXX, no documentation showing when payments were received, amounts, and when they were posted to my account. I'm being bounced around to the same account representative XXXX XXXX XXXX who is unprofessional and rude, he refuses to transfer my call to a XXXX. Please check the recorded line ; Phone call made XXXX | XXXX XXXX yelled and said it is up to me to pay the Balance or not, but he is not going to provide me another piece of information. He even went out of his way to state that I am uneducated in the finance world. All I'm trying to do is pay a debt correctly.
Product: Checking or savings account

I do n't understand how wells fargo allowed someone to rob my savings account. every day.Someone was going to wells fargo ATM in Florida getting taking {$300.00} out everyday starting on the XX/XX/XXXX antil XX/XX/XXXX 2017.also someone was checking account balance in XXXX NC and tried to take out {$400.00} and {$300.00} and {$100.00} in the XXXX NC as well as someone taking money out in Florida. Someone manually keyed Credit card in at a XXXX XXXX XXXX in XXXX XXXX area, I did a fraud claim with the ATM card service nothing has been done. Some one from the Attorney General need to go into that Bank and take over and do a internal investigation. I have seen plenty different face that work there and then leave. please have the FBI go into that location XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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

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  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

CitiXXXX XXXX Master Card/XXXX charged me a {$39.00} over-limit fee for being {$79.00} over the limit. 
I am a 20 year card holder and I called to ask it removed. I was told they would not. 
I asked to have a block put on the card so it would not happen again. 
They said they would not - it was my problem to watch my spending.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of these items from my credit report. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please DELETE this damaging information from my file right away! 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Legal action will now be taken as of XX/XX/XXXX Not only has these illegal accounts was obtained fraudulenty they continue to still report illegal charge offs/late payments as of XX/XX/XXXX. I have disputed these accounts since the begging of XXXX. This is final warning this is totally illegal for XXXX, XXXX, and Equifax to keep reporting these illegal cards that were obtained in XXXX. Numerous attempts to keep constantly reaching out. My lawyer will be reaching out to Equifax, XXXX, and XXXX. All of the attempts to settle this has been ignored. Will be looking to sue for compensation and damages based off initial dates this claim was sent. Remove these illegal accounts off XXXX, Equifax, XXXX. This has been a whole year and this is last warning. It is ILLEGAL for CREDIT BUREAUS to KEEP REPORTING FRAUDULENT ACCOUNTS! 

This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXXXXXX XXXX XXXX  Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX Date Opened XX/XX/XXXX {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A Bank Card service did a check to see if I qualified for a 0 percent credit card so I could clear up some high interest Credit cards. They were informed through XXXX that there was a Bankruptcy on my credit report. The report states that it goes back 7 years. The last time there was a Bankruptcy was dated XXXX-05 and by calculations that it over 12 and a half years ago. 

I do n't understand how this information was received if the copy I received off the internet does n't show it but, yet the Bank Card swervice can get old information not on my report.. How is this possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are no cards linked to any of these inquiries but someone is trying to get credit on my name and they even had a credit card on my name that i had to call and talk to a company about a couple years back to get turned off and given to me so this is not the first time but i need it to be the last time please. Im trying to get my first apartment and i have all these random inquiries messing up my credit. 

XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX  inquiry.
Product: Credit reporting or other personal consumer reports

I moved to XXXX XXXX XXXX Over 10 companies have denied me rental properties based on a trans union tenant report. This week they strike again. I lives XXXX XXXX XXXX mo in a rental property over 15 years never evicted. Since moving to TN THERE RENTAL LAWS ARE WAY MORE STRINGENT THEN MO ; yet i have maintained no evictions and owe no property management co. The issues where i was late i paid all fees with in XXXX. They were due to job changes and a Unforeseen XXXX. I have minimal balances on credit cards and have all other bills paid as planned. As a woman over XXXX with rental and job history that can be verified there is no reason I should be denied rental home for my primary residence. Trans Union is not updating my file or removing old claims. I wrote them disputing multiple items and never heard back. Yet they are stopping me from renting a home with a XXXX XXXX XXXX. I work XXXX jobs to stay on top of my bills and do not have a criminal background. I emailed them and asked for the ways to fix or upgrade my score again. After almost XXXX in the pandemic as a first responder, fleeing an XXXX XXXX and completing a credit destroying divorce, still i rise and am able to be approved for cars and credit cards but not a substantial home. PLEASE HELP. Trans union is now and always have used discrimatory and predatory practices against low income americans just trying to survive.
Product: Credit reporting or other personal consumer reports

i have been making a repeated dispute with transunion cause they have not been reporting correctly. ive viewed both my other credit reports and they are XXXX points different. the most recent thing that happened was one of my credit cards showed the balance decreased and very similarly reported to XXXX. XXXX my score went up XXXX points, transunion reports a XXXX point decrease which is completely unwarranted. 

i reached out to their support and got a rude response, and i was unable to get my credit report through the online XXXX. they report chat open till XXXX XXXX est and after i ended my chat cause of that rudeness they marked chat closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

MIDFIRST BANK, via their servicing company, XXXX XXXX, falsely certified a financial loss to justify the foreclosure and sale of my home on XX/XX/year>. They elected to use the installment sales method of accounting, which according to IRS, does not permit a loss. They knowingly certified false documents to the XXXX XXXX XXXX XXXX for possession of the home, although they suffered no financial loss. Contrarily, they received a XXXX XXXX profit according to guidelines established by the IRS. Additionally, my escrow account was not properly credited with all funds that were due and owing to me, which subsequently caused my children to suffer disposition of their primary residence. They further unlawfully converted my property title and deferred taxes to my income that were inconsistent with the proper tax treatment. They committed fraud, waste, and abuse of federal funds that were guaranteed by the Department of Housing and Urban Development, committed fraud upon the court and abused the court process, in addition to their tax evasion schemes that abused me as a taxpayer and used me as a tax shelter. All acts were with willful intent and knowledge, although I provided them a county recorded Revocation of Power of Attorney.
Product: Debt collection

XX/XX/18 I call them to find out why keep calling my phone number XXXX  days from different phone number across the country. I was told the computer selection of days.
Product: Debt collection

I never had contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account I don't agree with the results of your investigation. 


Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 




This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent.
Product: Bank account or service

I tried to open an account with wellsfargo and they told me there were accounts open, they took a statement and copies of my ss card and driver license. then told me they would look into it. I waited several weeks and then just said never mind with opening the accounts. I just know some fraud took place but they didnt tell me what. now I would like this investigated.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report, which persists despite my repeated efforts to resolve it. The presence of these unauthorized items has had a profound negative impact on my life, causing considerable distress and XXXX. I must emphasize that, as a victim of identity theft, I never authorized or consented to the association of this information with my name. 

Be advised that I am in the process of initiating legal proceedings regarding the fraudulent and inaccurate items currently appearing on my consumer reports. I formally demand that you take immediate action to update, delete, and block these items from my report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Charge Off on Credit Report Dear Sir/Madam, I am writing to formally dispute the inclusion of multiple charge offs on my credit report, as reported by your agency. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which appears as a charge off on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681E ( b ), it is illegal for creditors to report inaccurate or unverifiable information on consumer credit reports. Furthermore, I would like to highlight that a charge off, while reflecting a loss for the creditor, is considered income by the Internal Revenue Service ( IRS ) and should not be categorized as debt on my credit report. 

I request that you investigate this matter thoroughly and promptly remove the disputed charge offs from my credit report or the account should be reflected on my report as " Paid in full '' or " Paid as agreed ''. Please provide me with a written explanation of the results of your investigation once it is completed. 

I expect a response within the statutory time frame of 30 days, as outlined by the FCRA. If you are unable to verify the accuracy of these charge offs, I demand that it be removed from my credit report immediately. 

Please note that failure to update these accounts within a reasonable time frame will compel me to take legal action to ensure compliance with the FCRA and protect my rights as a consumer. 

Thank you for your attention to this matter. Please contact me at the above address Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, regarding account number XXXX XXXX in the amount {$78.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.
Product: Credit card or prepaid card

I had the Citi American Airlines AAdvantage Executive Mastercard. The charge for the annual fee, in the amount of  {$450.00}, posted to my account on XX/XX/XXXX. On XX/XX/XXXX, I paid the balance of the statement, which was the charge for the annual fee. On XX/XX/XXXX, American Airlines closed all XXXX XXXX locations. This is the distinguishing benefit of this credit card. On XX/XX/XXXX, I contacted Citi to inquire about a credit to my account due to the XXXX XXXX closures. At that time, I was told by the representative that no credit was being offered. I was enticed to keep my card open, as there would be positive changes to be announced in the near future. 

On XX/XX/XXXX, I read online that Citi would be offering a {$220.00} credit to card holders. However, there were two stipulations : 1. This applies to those who had an open account as of XX/XX/XXXX. 
2. The one-time {$220.00} credit will be issued when the account was renewed. 
This information was released on approximately XX/XX/XXXX. However, I did not receive an email from Citi, nor was there any form of communication by Citi to me. 

On XX/XX/XXXX, I contacted Citi to ask for the {$220.00} credit to be applied, as my annual fee was applied in XXXX, two months prior. However, I was told this could not be done and that the credit would be applied in XX/XX/XXXX! There was nothing that they could do until next year. I feel that this is unacceptable. I had paid the annual fee in XXXX, and one of the primary benefits of the card is not accessible. And they would not be able to issue a credit to my account for 10 months!? I then told the Citi representative that I wished to cancel my credit card. However, no portion of my annual fee would be returned. There would not be a pro-rated refund. I am incredulous at this. Canceling my account on XX/XX/XXXX, means that for 9+ months, I will not be using this card. For Citi to keep the entirety of my annual fee is not just.

Please look into this issue and help me to resolve this matter.
Product: Money transfer, virtual currency, or money service

Pay pal keeps sending me emails, about how i should read their disclosures. I have sent numerous compliants about this to the consumer financial protection bureau and pay pal has closed my account indefinitely, why are they sending me emails??? Why??? Why??? Please i neeed your hee heee heeelp.
Product: Credit reporting or other personal consumer reports

Applied for credit card and got letter saying experian was legally required to give me a report. XXXX their info on me is wrong and I can not get verified. On a phone call they refuse to connect me to an agent and their info they demand in a letter I dont have, like a utility or rent bill. Thus with their demands they are refusing to comply with the law! Using their demands for either incorrect personal info or copies of things I dont have they are thwarting complying with the law! Making it impossible for me to get my report.
Product: Credit reporting or other personal consumer reports

Hi, This account has been open since XXXX. The account was closed in XXXX. Collection activity was started, and XXXX bought this account as a charged off debt. This account was not closed and reported to the credit br in XXXX. It was opened in XXXX with a debt of XXXX which doesn't even match the 1, XXXX they are reporting. This accounts last activity was in XXXX. This account is more than 9 years old. The last purchase date was on XX/XX/XXXX. I just pulled off all of this information from XXXXXXXX XXXX portal with the order history, and description of items purchased. It needs to be removed from my account. The charge off and the XXXX XXXX XXXX  reporting. Please see the submitted documents. The account needs tin be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.