23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I closed a USAA credit card account on XX/XX/XXXX after I received the XXXX statement which closed on XXXX/XXXX. This statement included the following : " ... ACCOUNT RENEWAL NOTICE. YOUR ANNUAL FEE OF {$40.00} WILL BE BILLED ON YOUR NEXT STATEMENT. YOU MAY AVOID THE FEE BY CALLING US AT XXXX XXXX XXXX AND CANCELLING YOUR ACCOUNT .... '' I called the number and cancelled the account on XX/XX/XXXX. In early XX/XX/XXXX, I received the XXXX statement which closed on XX/XX/XXXX and which included the {$40.00} which was posted on XX/XX/XXXX. 


On XX/XX/XXXX I spoke with a USAA credit card representative who stated that the {$40.00} fee was unavoidable since I had closed the account 5 days after the fee was posted. 

So it seems I paid a yearly XXXX fee for a USAA rewards credit card, even though I cancelled it in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX collection company is still reporting my account as open to all three credit bureaus when in fact it is CLOSED ( per their answer to previous complaint filed with cfpb ) and should be deleted from credit reports per Chapter XXXX bankruptcy. Despite numerous requests, the account status remains incorrectly reported as open on my credit reports with XXXX, Equifax, and XXXX.
Product: Credit reporting

Our home ( primary residence ), as a result of XX/XX/2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per XXXX but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX Experian, XXXX and XXXX, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arizona XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your recent AMAZON STORECARD credit request. Please click the link below to view our response to your credit request via our secure site. 
View Details Reference Number : XXXX AMAZON STORECARD Credit Services I received this email this morning, I never applied for a credit card. 
In addition, I also found a JC Penny credit pull - I never applied for a JC Penny credit card
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint to formally request the removal of certain closed accounts from my credit report, as the debt collector involved has engaged in abusive and unfair practices, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

This debt collector furnished an account to my credit report without my agreement or participation in any binding legal contract. As you are aware, a legal contract requires the consent of both parties, and I did not participate in any such agreement regarding this debt. 

Furthermore, the debt collector failed to follow the proper 5-step validation procedure, which is required under the FDCPA. This failure to properly validate the debt makes their actions an unfair practice. 

According to the FDCPA, I am entitled to {$1000.00} per violation. Clearly, by furnishing an account that I did not agree to and failing to follow the legally required validation steps, the debt collector has violated my rights. 

I am requesting that the CFPB take appropriate action to have this account removed from my credit report and ensure that the debt collector is held accountable for their violations. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Checking or savings account

I had a sopite open with CITIBANK XX/XX/XXXX for 4 transactions by the same person. {$110.00}, {$300.00}, {$280.00} and {$50.00}. 

I complained to CFPB about Citibank closing my case due to not having documents when I have transaction verification report proof I sent it. 

I closed my account at CITIBANK due to money being taken out constantly. 

On XX/XX/XXXX I received 3 checks from CITIBANK in the mail : {$110.00}, {$300.00} and {$280.00}. I called the response unit regarding this and they still until this day havent gotten back to me. I called Citibank DISPUTE center regarding this on XX/XX/XXXX to ask if this is PROVISIONAL or PERMNANET because I did not want to cash it if it was provisional. 

On a recorded line XX/XX/XXXX at XXXX I was told this was PERMANENT and not provisional, it was safe to put it into my bank and that the case was closed. 

On XX/XX/XXXX at XXXX I was told this was PERMANENT and not provisional, they got the money back from the merchant and the case is closed. I reiterated IS IT SAFE TO CASH OR WILL IT BE TAKEN AWAY? He said no, it is permanent and go ahead and cash. 

So I went ahead and cashed it. 

Today XX/XX/XXXX I received another {$300.00} check in the mail so I called CITIBANK to ask what this is for because I had already received my money and was this for something else ... they couldnt figure it out but told me that the money I got via check that i was told by multiple people that it was PERMANENT not PROVISIONAL ; that it was in fact provisional credit and not permanent ... that my case is still being investigated and the money can be reversed ... 


On recorded lines with CITIBANK DISPUTE, I was told this money was permanent and safe to spend/use and that my case was closed ... 

On a recorded line from MULTIPLE sources I was told the same thing and now its false information ... 

I am very upset and wanting to bring a lawyer into this as I was given misleading information on a recorded line and no one has done anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$11000.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company has a debt of {$49.00} that they are trying to collection. Ive shouted this ask do not know of this charge. I looked recently and its now bee added to my credit report asa medical debt.i never recieved a bill for this so I would like this removed from my reports
Product: Debt collection

I been currently affected by identity theft my information been stolen and compromised. Additionally, these misstatements are punishable as perjury under 18U.S.C 1621. This collection found within mt credit report are not related to any transaction that i made. I am alleging that a person or company without my authorization use my personal identifying information to apply for goods services, or money, and was successful in some accounts all is being investigated by the FTC.
Product: Debt collection

In XXXX I tried to get XXXX XXXX XXXX  fiber optics internet in the apartment I was moving into in California. The representative I was speaking with got early access to my apartment to set up the internet for me prior to my arrival, however, he informed me that the fiber optics in my unit were not properly installed and so I couldn't get XXXX XXXX XXXX internet. I assumed he would cancel my XXXX XXXX XXXX plan as I was unable to get internet form them however this was not the case and I was charged. I called them letting them know about the situation and they rightfully erased those charges. At the end of the summer I got a new charge from XXXX XXXX XXXX for a modem and router which I never received as I was unable to get XXXX XXXX XXXX installed in my apartment. I was told this would be taken care of and months later received a notice that the debt was now sold to a debt collector and I now owed them money. I reached out again to XXXX XXXX XXXX two times since and they have been unable to resolve this issue for me. I recently got another email from a new debt collector who I am not sure is even legit. They have the address I lived at and the amount correct however their email format looks like it was made in XXXX XXXX.
Product: Credit card or prepaid card

I filed two disputes with Bank of America about a purchase two separate purchases made with XXXX XXXX line. My husband and I took a cruise to Alaska in XXXX, however the original itinerary changed 3 separate times. We paid, in FULL, prior to our cruise. The original itinerary included stops at XXXX, Alaska ; XXXX, Alaska ; XXXX  XXXX XXXX ; XXXX, Alaska ; XXXX, XXXX XXXX and finally back to XXXX, Washington. XXXX notified us that we would not be stopping in XXXX because of the landslides. We also did not port in XXXX because the weather was bad and we couldn't get close enough. One port was replaced with a different location, XXXX XXXX XXXX. While I understand things happen, I did pay over {$3200.00} for this once in a lifetime time trip. Not to mention that we had planned on our engagement pictures being done in some of these places. 
The second dispute was with the spa on the cruise. On XXXX, I booked service that included a deep tissue massage as opposed to a regular XXXX massage. The lady refused to do a deep tissue massage and only wanted to do a XXXX. During this service she decided to XXXX XXXX XXXX which made me incredibly uncomfortable as I was on my XXXX  during that time. I would bring my XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and she would move XXXX XXXX XXXX Totally unprofessional as I have been a XXXX XXXX XXXX for over 20 years and she could have XXXX XXXX XXXX XXXX XXXX XXXX XXXX The therapist admitted that she was not a licensed massage therapist. All of this could have been avoided if XXXX and the Spa would hire licensed therapist 's that have actual training in not crossing personal boundaries. 
The price was supposed to have been {$170.00} however the forced me to tip {$40.00} extra which I told the XXXX XXXX to remove all tips as we prefer to tip cash. They did not. I was instead charged {$220.00}. I did try to speak to the Spa Manager after the service, however no one was at the front desk when I checked out. I filed a dispute with Bank of America and sent them a letter explaining what happened. XXXX  and the Spa 's response was that I just because I didn't like the massage, I wanted my refund. Had I know I wasn't going to get a deep tissue massage, I wouldn't have even bothered booking the appointment. And I definitely would not have booked had I know the therapist was going to be unprofessional. XXXX passed off to the spa headquarters in Florida and I have yet to have been able to get ahold of anyone. 
I simply requested a partial refund since we were charged for services not rendered and charges that included port fees and taxes even though we did not port. I do have proof of my interactions with XXXX and can supply them upon request as well as the changed itinerary. 
I feel like Bank of America has no interest in pursuing this dispute as they will not be able to collect the interest from this charge. Any help would be greatly appreciated.
Product: Debt collection

Received a Call from Midland Credit Management regarding a debt they purchased on me. Threatened me with wage garnishment telling me if I didn't pay them they would forwarded my file onto a local attorney in my area. They even said they would reduce my balance from {$2800.00} down to {$1800.00} and wants me to pay {$75.00} down payment and {$15.00} every 2 weeks payment.

Seems very sketchy and wouldn't let me off the call with them, when I did get off they told me that if they didn't hear back from me within 24hrs that they would proceed forwarded with a legal status towards me
Product: Credit reporting or other personal consumer reports

I disputed an account through XXXX Nissan motor acceptance corp car loan, this account was opened up fruadulantl, I want this account removed from my credit report, this is fraudulent and inaccurate information reporting to my account, I have took the steps to file an identity theft report requesting this account be removed and blocked the information from XXXX and XXXX both came back verified, I am requesting proof that these fraudulent accounts were investigated fairly and proporly, also please provide me with the system and details your company used to to determine if this transaction took place or not.
Product: Credit reporting or other personal consumer reports

In my sixth endeavor to resolve this matter, I want to emphasize that this marks my fifth attempt to address the ongoing issue. Despite numerous requests, EQUIFAX has consistently denied me access to my personal credit report. They have steadfastly refused to provide any information about my credit history. Enclosed are supporting documents, including a duplicate of the letter I sent to the credit bureau and copies of my personal identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original owner was XXXX XXXX sold to XXXX XXXX XXXX XXXX. I settled and paid in full with XXXX XXXX. I need XXXX XXXX as well as XXXX XXXX  to comment on my account ( my credit report, all three. That this XXXX XXXX store card or credit card was paid and settled and paid in full. Was a charge off but need remarks to say, or comments as paid and settled in full please. Thx XXXX XXXX
Product: Debt collection

On XX/XX/2021 I got a call from D2 Management saying to owe a debt from XXXX XXXX XXXX in Texas which I do owe a debt and they said the right amount and everything. I did give them my banking information and verified the last 4 of my social security. Now I try and call them but never any answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i paid off my home Equity Loan in full Account number XXXX. The proceeds from the sale of my marital property funded the payoff of the account. I had been in CONSTANT contact previous to the payoff asking for amnesty under the CARES act for the late payments on XX/XX/2020, XX/XX/2020 XX/XX/2020 XX/XX/2020 i explained to them that based on the COVID 19 virus i was furloughed from work and unable to get caught up. I asked for amnesty and deferrment but was granted NEITHER because they said the property was listed for sale. Once i paid the account infull i was told the late payments would be removed based on the tenants of the cares act. I have since made calls and sent letters to the three Credit Reporting agencies with NO RESOLUTION. I havent even received a response by mail from the Credit Reporting agencies to provide resolution to this problem. I am now seeking help from the CFPB to have these late payments forgiven under the cares act. I am not able to purchase another property and am faced with losing the housing arrangement i have set up with my current landlord BECAUSE these late pmts RESTRICT me from attaining another Mortgage under FNMA and FHA guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2020 Made with : Equifax Made by : XXXX XXXX XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2020 Made with : Equifax Made by : XXXX Made on : XX/XX/2020 Made with : Equifax
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/22 Received written notification of attempt to collect debt from Transworld Systems INC on behalf of XXXX XXXX. This was mailed to my home address. 
To my knowledge, there were no outstanding charges on my account with XXXX XXXX XXXX XXXX I had not received any invoices or statements. 

XX/XX/22 Called per notice to dispute debt. Left voicemail. 

XX/XX/22 Called again, spoke with Customer Service representative XXXX. Requested documentation of debt so I could verify dates of service, payments made by myself & insurance company. 

XX/XX/22 ( dated XX/XX/22 ) Mailed letter of dispute of charges. Again requested documentation of debt. 

XX/XX/22 Called again because I had not received any response. Left message. 

XX/XX/22 Called XXXX XXXX XXXX XXXX XXXX ) billing department & left a message requesting documentation of dates of service, charges & payments. No response to date. 

XX/XX/22 Received a call from XXXX XXXX with TSI informing me that the account had been turned over to their Insurance Department for investigation. I asked to speak with investigator & was told that person would be able to see notes in system. 

XX/XX/22 Sent letter detailing my attempts to resolve issue & again requesting documentation so I could research the dates of service & charges. 

XX/XX/22 Filing complaint with CFPB. As of this date, I have not received anything other than the initial collection letter, despite repeated requests for documentation of the disputed debt. There has been no contact from TSI via phone or email regarding this disputed debt. 

It is impossible to research the claim of debt without a detailed list of dates of service & charges. I have no way to verify payments made by me or my insurance company.
Product: Credit reporting or other personal consumer reports

Approximately 2 weeks ago I contacted EXPERIAN to contacted them to inquire who provided to them information relating to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and they were unwilling/unable to provide the name or the " information provider. '' I have never provided any " information provider '' express written consent to share my consumer nonpublic information with any entity, and I hereby opt out of the sharing my consumer nonpublic information by an " information provider, '' pursuant to 15U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN continues to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : XXXX, Experian, XXXXXXXX XXXX XXXX XXXX without my consent on my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed iteams despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.