23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was in XXXX on vacation and took a taxi to back to my hotel on XX/XX/year>. When we arrived at the hotel, the taxi driver told me it was {$15.00}. I gave him my debit card and asked for the receipt which clearly showed a total of {$15.00}. About an hour later after I was settled in my room, I looked at my bank account and noticed a charge of {$89.00} from this taxi company. I called Chase right away to report this and was told to wait and see what they actually post as it was pending. When I arrived back home in the XXXX a few days later, the charge of {$89.00} was posted. I called Chase to file a claim and sent them a copy of the receipt showing {$15.00}. In the meantime, they credited my account {$74.00} as the investigate. On XXXX XXXX I received an email from them telling me the charge was valid and that on XXXX XXXX, they will withdraw the {$74.00} from my account which they did. I called Chase and asked for the documents from their investigation as I was in disbelief that my {$15.00} receipt was not sufficient. I received the documentation and the receipt the taxi company provided to them, is completely different from the one they gave me. Their receipt shows XXXX line itemsone for {$15.00} and XXXX for {$70.00}, which I have no idea what that was for. My argument is that if I knowingly knew it was a total charge of {$85.00}, why does the receipt the driver gave me show {$15.00}? I called Chase and do not believe that they investigated this properly or even sent the company a copy of my receipt that shows {$15.00} is what I was charged. They said I can reopen the claim again and submit more evidence. XXXX not sure how much more I can send them except the receipt I was given. I am extremely disappointed that they are allowing this fraudulent charge go through.
Product: Debt collection

XXXX claimed some years ago that I owe over {$1000.00} yet was unable explain why. I had the incorrect information removed from my credit report with both bureaus years ago. Now random debt collection companies are putting this account back on my credit report. This has prevented me from purchasing a home, borrowing money at reasonable rates, etc. 

Equifax 's website shows pending investigations which have been allegedly completed, only electronically. After over an hour on the phone and 3 supervisors later, nobody was willing to acknowledge the logic behind previously removed information from a successful dispute should not be allowed back onto my credit report.

A credit bureau that has suffered one of the largest data breaches in the world, who also can not provide accurate information, and gives customers the run-around on the phone should not be allowed to materially harm people 's lives like this. 

Incorrect information should not be allowed back onto credit reports after a successful dispute.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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

I signed up with Freedom Debt Relief ( Freedom ) on XX/XX/XXXX. I submitted a total of 11 credit cards for the company to assist me by negotiating with the credit card companies. Freedom advised me to stop making payments on all of my cards in order for them to negotiate my debt to settle for less. In XXXX of XXXX, a debt collector served me with papers so I hired an attorney to take care of that one particular debt. As of XX/XX/XXXX, 9 of the 10 cards were either being paid off or were already paid off for more that 50 of the original debt. On XX/XX/XXXX, I received a text message from Freedom indicating that they negotiated a settlement on my XXXX XXXX account that has a current balance of {$6500.00} but can be settled for {$6500.00} over 13 payments. This credit card was issued by XXXX XXXX Credit Card and my enrolled balance was {$4800.00}. Because this debt was more than 2 years old, I was not aware of how much the enrolled amount was. The purpose for entering an agreement with Freedom was for them to negotiate a settlement for less than the enrolled amount, this particular debt was settled for {$6500.00}, which is {$1600.00} more than the enrolled debt amount. To this date, I have already paid {$4500.00}, which I am sure is well over the amount I should be paying if Freedom would have done their job by settling the debt for close to if not less than half of what was originally owed. I called the company once I realized the mistake that was made. The customer service rep who assisted me told me sometimes they are not able to negotiate for less than the enrolled debt, I told him its ridiculous for them to settle for more than the enrolled debt.
Product: Debt collection

I payed a collection in full to Asset Recovery solutions for XXXX XXXX XXXX card on XX/XX/XXXX. It has been a week and I need a letter showing that is payed and no one will supply the letter to XXXX XXXX XXXX  saying it has been paid. I did a wire transfer so the funds should n't have to be held for any period of time. I tried to pay XXXX XXXX XXXX but they would n't take the money and referred me to the collection agency.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverifiable Account from My Credit Report Dear, Credit Reporting Department I am writing to formally notify you that the account in question, associated with XXXX XXXX  and listed as a charge-off, has been completely deleted from my XXXX credit report as of XX/XX/year>, following a dispute I filed. The account, originally showing a balance of {$1400.00}, was investigated, and XXXX concluded that the information could not be verified, resulting in the removal of the account from my credit file. 

As XXXX has already deleted this unverifiable account from my credit report, I respectfully request that you, as the credit reporting agencies, also take appropriate action and remove this account from my credit report. The information provided by XXXX XXXX  can not be verified, and under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information.

Under the **FCRA** ( 15 U.S.C. 1681i ), you are obligated to investigate and remove any information that can not be verified within a reasonable time frame. Furthermore, under **15 U.S.C. 1681e ( b ) **, you are required to maintain accurate information in my credit report. As the information related to this account has not been verified and is now considered inaccurate, you must remove this derogatory mark within 30 days or face potential legal consequences.

In addition to my rights under the FCRA, I am also protected under the **Consumer Credit Protection Act ( CCPA ) **, which ensures that my credit history is not damaged by unverifiable or incorrect information. If you fail to remove the unverifiable account within 30 days, I will be forced to take further action, including but not limited to filing a lawsuit for damages under the **FCRA**, and potentially pursuing legal claims for statutory damages and attorney fees.

I kindly request that you update my credit report accordingly and provide written confirmation of the removal of this account. If this account is not removed within 30 days of receipt of this letter, I will consider all legal options available to me, including filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and taking legal action against your agency.

Please treat this matter with the urgency it deserves. I expect to hear from you within the next 30 days with confirmation that this account has been removed from my credit file.

Thank you for your prompt attention to this matter. 

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

I have identified items that should not be on my consumer report. Please view the attachments for further detailed information on this matter. Thank you.
Product: Debt collection

I am sending this letter in response to a letter you sent me. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act. 
I am disputing this account and requesting a validation of debt in accordance. 
( ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges.

If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 

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

Earlier this year I had noticed accounts opened on my credit report without my consent, knowledge or permission. I contacted the creditors ( XXXX, XXXX XXXX, XXXX ) informed them it was fraud and closed the accounts. On XX/XX/XXXX I noticed the fraudulent information was still on my account. Where I then made a police report and wrote a dispute with supporting documents to have XXXX block the fraudulent information from my account pursuant to FCRA 605B 15 U.S. Code XXXX. XXXX, XXXX, Transuion received my dispute with documentation on XX/XX/XXXX ( proof of receipt enclosed ). 

I also noticed XXXX, XXXX, Transuion was reporting my Covid-19 forbearance as late for six months. I sent them documentation showing I was under Covid-19 forbearance and covered by CARES ACT and that also my account with XXXX XXXX  was paid with a balance of 0. To date XXXX, XXXX, Transuion has not blocked all the fraudulent information on my account I pointed out only some and they have not updated my account with XXXXXXXX XXXX properly. I should state Paid/Never late/Closed. As the account was paid and closed with a zero balance.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was called by a number that said XXXX XXXX XXXX early in the morning to alert me that my debit card was red flagged for suspicious activity. I had to close all my accounts related to the card and the card itself. Later in the day, the same number called and said my account had been compromised and I needed to transfer the funds out of my account before the fraudulent attempt would complete their scam. I learned that the number used was called a spoof number, the name and bade ID given to me was invalid and I transfered {$7100.00} into an account at SoFi bank where the scam artist linked his account to. I called the number on the back of my card from another line while this man was waiting for the funds to go through because I had a weird feeling. They said hang up, he is scamming you by using a XXXX number. It was too late, my account was drained in less than a minute. It all was a planned scam to make me nervous from the morning, knowing that I would be confused and at just the right time using just the right person to sound like a real XXXX rep tricked me into wiring them all my savings. I just purchased a new home. I can't pay the mortgage and a man I never met has robbed me of all my earnings. I can't sleep, I can't eat, I'm so sick to stomach all the time and can't imagine how this country is allowing people to use our own technology against innocent civilians that now have nothing and getting away with it.
Product: Credit reporting or other personal consumer reports

This is Citibank / Best Buy credit card I signed up in XX/XX/2023 for a special payment plan where you wont be charged no late fee no interest so my payment was XXXX paid on time every month XXXX XXXX # XXXX and she assured as long as your payment made on time there will not be a negative report! XX/XX/XXXX my pay was due XXXX I called and spoke to XXXX XXXXXXXX and stated as long as you pay by the XXXX of each month youre good! XXXX I received a dig in my credit saying thirty day late and immediately called and spoke with XXXX # XXXX Manager he stated the reason why this occurs when the month is a shorter month which is XXXX and it will report late will especially if thats your cut off date for statements to close I do my best to have this removed from if you look I never been late with this XXXX since I signed upon this plan now they wont accommodate there mistake
Product: Student loan

The loan is with Navient. 

On XX/XX/XXXX, we spoke with XXXX. She told us the loan balance was {$10000.00}, as of that date ( XX/XX/XXXX ). 

Our records show the balance is paid ( more than ), and we requested a full payment history, with all charges, and the original loan documents, with the Truth in Lending Statement. She said those documents would be sent, but in the meantime, she insisted we set up a payment plan. The documents were never sent, and now they are again pressing for collection. 

The first loan disbursement was in XXXX of XXXX, and the original principle was {$15000.00}. 

As of XX/XX/XXXX, all fees, including late charges, interest, and forbearance fees, total {$8800.00}. 

Loan Total = {$24000.00} Payments, beginning XX/XX/XXXX, through XX/XX/XXXX ( as shown in the account history on XXXX XXXX XXXX -- not our personal payment records, but Navient 's own payment records XXXX total = {$25000.00}. 

We've tried for years to get Navient to review the full payment history, but the representatives always state they can't see any payment history prior to XXXX, when they took over the loan. They refuse to do anything except demand payment.
Product: Credit reporting or other personal consumer reports

This is a follow-up to my previous complaint ( Case No. XXXX ). 

XXXX XXXX falsely marked my dispute as " resolved '' even though they never provided proper validation for the accounts in question. 

I previously disputed the accounts, and XXXX XXXX admitted they do not have a signed contract for at least one of them. 

Despite the dispute, XXXX XXXX continued to report negatively across all three credit bureaus ( XXXX, XXXX, and TransUnion ), increasing my balance and harming my credit score. 

Under FCRA 1681s-2 ( b ), a company must properly investigate a dispute before marking it resolved. XXXX XXXX has failed to do this. 


What I Am Requesting from CFPB : 1. Require XXXX XXXX to stop reporting negatively unless they provide full validation. 

2. Investigate why they claimed my dispute was resolved without proving the debt.

3. If they can not validate the debt, remove the accounts from my credit reports. 

I have attached a detailed complaint and supporting documents as evidence.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the ongoing issues surrounding the correction of a late open account on my credit report. Despite multiple attempts to rectify this matter, the late open account continues to adversely affect my credit profile. 

I have diligently followed the dispute resolution process outlined by the Fair Credit Reporting Act ( FCRA ), submitting detailed disputes and providing supporting documentation to substantiate the inaccuracies in my credit report. 

Despite these efforts, the late open account remains unresolved, impacting my creditworthiness and causing undue stress. I have attached copies of the supporting documents that clearly demonstrate the errors in my credit report and validate my dispute claims. 

I kindly request an immediate and thorough investigation into this matter, with a focus on correcting the inaccuracies associated with the late open account. Additionally, I expect a written response detailing the results of your investigation within the statutory timeframe as outlined in the FCRA. 

It is disheartening that my attempts to address this issue have not resulted in a resolution. As a consumer, I am entitled to accurate and fair reporting under the FCRA, and the persistence of this error is a clear violation of my rights. 

I request your prompt attention to this matter and a commitment to resolving the inaccuracies in my credit report. If necessary, I am prepared to explore all available legal remedies to ensure the correction of this issue and seek compensation for any damages incurred as a result of these inaccuracies. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX Balance Owed : {$750.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts reporting on my credit report i believe someone stole my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a consumer report XX/XX/XXXX and I noticed items on my credit that should not be there. I contacted the companies to have the items removed. They did have refused to remove the items or produce the evidence that the debt belongs to me. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXT XX/XX/XXXX XXXXE XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX MAIN XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX please remove the following information Names : XXXX XXXX WILL, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : Account number XXXX XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

A couple of months ago I noticed a collection on my credit reports that I have no knowledge of by a agency called Online Information Services. I was informed the collection was from some utilities in another state. 

I then in turned called the original creditor like I was advised to do. The original creditor is XXXX XXXX XXXX. I informed them that I never opened any utilities or authorized any utilities to be opened in my name. I was informed the account was opened online. 

I was advised to dispute the account. I received a correspondence in the mail from online information services which is a billing statement with my name and a wrong address. The tactics this company is using is illegal.