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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject XXXX Dispute of Inaccurate Account Information** **Report Number : XXXX Dear Experian, XXXX, XXXX, XXXX I am writing to formally dispute the information regarding a collection account listed on my credit report generated on XX/XX/XXXX. The account details I am disputing are as follows : - **Account Name** : XXXX  - **Account Number** : XXXX - **Date Opened** : XX/XX/XXXX - **Reported Status** : Collection account - **Amount Past XXXX : {$XXXX} as of XX/XX/XXXX I have several concerns regarding the accuracy of the information reported in relation to this account, which I believe could negatively impact my creditworthiness. 

# # # XXXX. XXXX XXXX Information** The report states that the account has a past due amount of {$XXXX}, while also indicating a balance of {$XXXX}. This discrepancy raises questions about the accuracy of the data being reported. If the account shows a past due amount, it should not also reflect a balance of XXXX. I would appreciate a detailed explanation regarding this inconsistency, as it is critical for me to understand how this account is being reported. 

# # # XXXX. **Lack of Agreement** I would like to clarify that I have never entered into any agreement, verbal or contractual, with XXXX  regarding the account number XXXX. I do not have any knowledge of this company or its claims against me. Under the Fair Credit Reporting Act ( FCRA ), it is illegal to furnish inaccurate information or to slander my creditworthiness without proper cause. 

I request that XXXX  show a contract bearing my name and signature in agreement to repaying {$XXXX} for money that XXXX  loaned me. If they can not provide such documentationsuch as a promissory note, security agreement, or any valid contractthen I ask that you remove this account from my credit report entirely. 

# # # XXXX. **Cease and Desist** Furthermore, I demand that XXXX cease and desist all collection activities related to this account. I will not tolerate any slander of my creditworthiness or the use of distasteful collection tactics. If they continue to report unverified information, I expect it to be removed from my credit report and to follow the proper legal channels regarding debt collection. 

# # # XXXX. **Request for Documentation** In accordance with the Fair Credit Reporting Act, I formally request that you provide me with all documentation related to this account. This should include any correspondence, agreements, and verification of the debt. I believe that this documentation will clarify the inconsistencies and support my position regarding the inaccuracies on my credit report. 

# # # Conclusion I appreciate your attention to this matter and look forward to your prompt response. Please inform me of the outcomes of your investigation within the XXXX period mandated by the FCRA. I expect to receive confirmation that this account has been investigated and corrected or removed based on your findings. 

Thank you for your assistance. 

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

This is not my BELK card, I have been experiencing issues with my dad 's debt being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

APPLE CARD - GS BANK USA Opened XX/XX/2021 ( XXXX yrs, XXXX mos ) On this date someone opened a credit card with this company using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - In accordance with the fair credit reporting act XXXX Account # XXXX, 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Selene Financial LP for several serious violations of my consumer rights. Here are the issues I am facing : Privacy Violations : Selene Financial LP shared my personal financial information with third parties, including other financial institutions and credit agencies, without giving me the chance to opt-out. This is against both Federal law ( XXXX XXXX  ) and New XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Lack of Consent : I told Selene Financial LP that I did not agree to them sharing my information. They responded that they were allowed to do so according to their Privacy Policy. However, their policy should comply with federal privacy laws, which they are not following properly. 

Missing Documentation : I have asked Selene Financial LP twice for a complete record of my account, including signed documents from an authorized representative. They have not provided this information, which goes against the Truth in Lending Act ( XXXX ). 

Identity Theft : By sharing my personal financial information without my consent, Selene Financial LP is committing identity theft. This not only violates my rights but also uses illegal methods to collect debts. 

Invalid Contract : The contract or Promissory Note involved is not valid. It appears to be designed to commit identity theft, violate my rights, and illegally demand payments. This contract violates XXXX and other laws. 

I believe the contract is void and unenforceable, and I am seeking damages for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was included in the Equifax, XXXX, and XXXX data breaches which caused my personal information to end up in the wrong hands. I notice some inaccurate and incomplete accounts on my credit report that I were unauthorized that I need removed immediately. I know that information on your credit report needs to be accurate, but the accounts listed on my reports are not accurate at all. I also sent letters to XXXX, Equifax, and XXXX more than 30 days ago and the disregarded my disputes and kept reporting false, incomplete and inaccurate accounts. this is hurting my reputation with the banking system and hurting my chances at getting approved for a home loan. I need all inaccurate accounts and inquiries removed now
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, I contacted XXXX to dispute an account on my consumer credit report. This account has been disputed multiple times, but each time, XXXX and credit bureaus report that the account meets FCRA requirements. In XX/XX/XXXX, I requested that XXXX provide me with documentation proving that I opened the account. XXXX sent a billing statement with my Name, Former address, and Phone number. I have never been associated with that phone number. Please see the attached documents. I am disputing ownership of the account. I have not owned any XXXX XXXX XXXX XXXX XXXX at the specified address and the phone number associated with it. I owned an XXXX XXXX XXXX XXXXXXXX at the specified address. Additionally, I lived at XXXX XXXX XXXX, XXXX Ca XXXX from XX/XX/XXXX and not XXXX XXXX XXXX, XXXX Ca XXXX. At the same time I had 2 cell phone lines opened : XXXX and XXXX. I would know If I had another account with XXXX. I didn't open that account based on the information provided.
Product: Credit reporting or other personal consumer reports

I recently applied for tenancy at an apartment complex that is serviced by this company for true and accurate background and credit reports. This company did in fact Maliciously and with premeditated purpose did furnish said establishment with erroneous and false verified and or outdated information. This company supplied that it was supplied these facts by EXPERIAN XXXX XXXXThis supplied information was the sole reasoning in me being denied tenancy. I reached out to the companies seeking relief and to rectify their mistakes only to be meet with disregard, no account to rectify or accept responsibility, and no compliance to uphold the FCRA. It is their responsibility to provide their clients with true and up to date facts and thus far they have not done so. Under the FCRA they have violated my rights.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Closed Accounts from Credit Report To Whom It May Concern, I am writing to request the removal of closed accounts from my credit report. The following accounts are closed and no longer active, and I believe their removal will help maintain the accuracy of my report : Affirm XXXX XXXX close and it was open since XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collector XXXX XXXX XXXX XXXX XXXX is reporting an unpaid collection on my Equifax credit report. I have disputed this collection several tines now with no proper investigation and responding " Verified as Accurate ''. The original creditor waited over XXXX year past the date of service ( XX/XX/2021 ) to submit a claim to my medical insurance under the correct Member ID for payment resulting in their claim being denied as per XXXX XXXX ( XXXX XXXX ) they are only allowed up to XXXX  months to submit a claim. Attached is the documentation from XXXX XXXX stating that I am not responsible for ANY PART OF THIS DEBT!!! I OWE ZERO FOR THIS DEBT!!!
Product: Debt collection

We received a phone call from ProCollect about an account with a lease term insurance group that deals with our previous apartment 's owner company which is not true because we called the apartments company and they said that we owe nothing and we paid everything 7 months back and now ProCollect is asking us to pay {$120.00} for a broken light on XXXX XXXX2020 after more than 7 months since we left the apartment and sign the release without any debt. Please we need your urgent support regarding this issue. 

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

After review of my XXXX credit report, I noticed a collection account posting in the amount of {$980.00} reported by Credence Resource Management. I am unaware of this debt and this company is reporting this debt without providing me the initial notice of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I attempted to place a Freeze on my Experian Account. I initiated the process on their website, but after an hour of effort, I was informed that I would have to mail in copies of my Official Government ID, a Utility Bill, my Social Security Card, and my identity theft Police Report. I mailed the documents to Experian on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I received a 14 page reply from Experian. The first page told me to send copies of all the materials I had already sent to Experian. It was not until page 4 that the letter stated that the police report I provided was insufficient for one of six possible reasons, the exact insufficiency not identified. I was told that I could have a credit freeze if I was willing to pay {$5.00}. 

I have provided more than enough documentation as to my identity and have also provided a valid Police Report. Experian is being deliberately opaque and unhelpful in order to reduce the number of Credit Freezes approved and, in the alternative, monetizing the process to make up for otherwise lost revenue. Not only is it unfair, it also increases the risk of identity theft by discouraging consumers from freezing their credit files.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 


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.
Product: Debt collection

I received several notices in the mail from Portfolio Recovery about an alleged debt in the amount of {$710.00}. I responded by sending multiple certified letters asking them to validate the alleged debt. In response, they have sent me a bill from XXXX XXXX on two separate occasions. I followed up by calling Portfolio Recovery and notifying them that a bill does not equate to debt validation. I was rudely spoken to and told to either pay the collection or let it be. This is unacceptable.
Product: Debt collection

I am a resident of Maryland and being around the DMV, my entire life. After high school, I decided to join the XXXX, upon my graduation from high school in 2016. My recruiter was stationed in North Dakota XXXX, according to the timing for deployment that was the earliest. I drove to North Dakota met my recruiter her name was XXXX, she advised that I should be in North Dakota for some preliminary training before deployment for approximately three months. She recommended and drove me to XXXX XXXX apartments in XXXX for a short-term rental, the rental was for three months and We had anticipated I could be XXXX within the time frame. I did get XXXX within the time frame and left for XXXX XXXX. Returning to my then station, check my credit and realized XXXX XXXX had sent my name to XXXX XXXX for owing rent. I explained that I am exempt under the XXXX XXXX XXXX XXXX, but theyve kept this wrong information from XXXX till now. Every time I call, I will be treated with gross respect and insubordination, they will insult me calling me all sorts of names. Reiterating they will never take this wrong information from my report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint for improper use of credit report. In accordance with the Fair Credit Reporting ACT : these credit reporting agencies XXXX and Transunion has violated my rights. According to USC-15 1681a ( 2 ) ( 1 ) under exclusions - this is illegal and they may not treat a payment late for any purpose ie. document PAYMENTS as late creditors can't make THIS claim. Also 15-USC-1681 Sec- 602 states " I have a right to privacy '' and 15-USC 1681 sec 604a ( 3 ) - a consumer reporting agency can't furnish a consumer report to a user unless there is a permissible purpose and my written instruction. To to do is in direct violation with 15-USC 1681 SEC.604 ( f ). Prohibits any person from obtaining a consumer report from a consumer. These accounts are in direct correlation with the aforementioned FCRA codes that have been violated. This has happened with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I'm a recently retired XXXX XXXXXXXX after 24 years with one employer. I received a large payment from my company 's retirement account. While I was trying to determine how to invest these funds, I decided to open a Citibank high yield savings account so that these funds could earn interest while I worked on my investment strategy. I opened the Citibank account on XX/XX/23 and funded it with an electronic transfer from my checking account with XXXX XXXX XXXX. I made two additional deposits on XX/XX/23 and XX/XX/23. My total deposits into the Citibank high yield savings account were {$220000.00}. 
After meeting with my investment advisor, we determined the best use for the funds. As such, I started moving funds back to my XXXX XXXX XXXX  checking account from the Citibank high yield savings account. I was able to move {$15000.00} by XX/XX/23. Then, on XX/XX/23, I received an email from Citibank informing me that my high yield savings account would close within 60 days due to a violation to the terms of my agreement. The message provided a phone number to call to get more information. I spent countless hours discussing the issue with Citi customer service. I was transferred numerous times to various teams, but nobody could tell me anything additional other than what the email contained. I asked on several occasions to speak with management. I was told each time that they were all in meetings and not available. One individual told me he would have a manager call me. That didn't happen. I was also hung up on during one call. I simply wanted an explanation as to what I did as I felt there had to be a misunderstanding by Citibank. I was never able to talk to someone that could help. 
Now, it's been several weeks and I haven't received any additional communications, nor do I have access to my funds. My online access has been blocked for all my Citibank products, including a credit card I've held for a decade. I would like someone to discuss the situation with me and provide an explanation for what happened, and more importantly at this point, send me my {$200000.00} in retirement funds. Each day that passes, I lose significant interest income and any upside I would have from the investment opportunities I identified with my financial advisor. I don't understand how Citibank can permit a large transfer of money into an account but not allow those funds to flow out when needed. This is a significant amount of money for my retirement that Citi is holding hostage while treating me like a criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate these Accounts and I believe they are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to dispute all the information on my name. I was told they can not dispute those because I was not affected. I have spoken with XXXX and i was told that I will not be charged with nothing on my name. Well that was a lie. I spoke with XXXX XXXX and they said that I will not charged because I returned all my rented items back to them. I did not keep them. Never heard any thing else from them. When I went to the hospital I had XXXX. I was insuranced. So I was not aware that I woyld have a balance. XXXX never walked with me to inspect the apartment I lived in together. The lady had went into the apartment without me. When I called her to tell her I will be there after class she had already went into the office and locked the office around XXXX. Well, that is not what time they close up. They never sent me a final bill to my new address. I received a bill from a bill collector and I dispute. I have never heard anything from the dispute. So company policies were not keep.
Product: Credit card or prepaid card

I have had this account 38 yrs a few times renumbered with new account numbers. For the first time today!! I was told when I asked : Why is my minimum payment and balance going UP instead of down for the first time after I made a payment.?? The answer I received from today 's rep was something about covering the whole balance with the minimum payment. 

I am demanding Citibank NA to send me in writing where I agreed to this practice?? and also my original agreement from 1983. This is outrageous, my payments should make the minimum payment as well as the balance go DOWN not UP!!

Is this practice even legal??? I did not sign to it. And why all of a sudden after 38 yrs is this being done to me.?? I have never been late or missed any payments since 1983 origination.
Product: Credit card or prepaid card

Dear Staff This is XXXX XXXX reporting AAA credit card issued by bank of america. 
The staff is very elusive, not willing to listen saying " it is too long or a tedious job or we mailed the statement. '' Everything started with XXXX returned merchandise. Investigating, Bank of America has charged twice the amount ( cycle XXXX XXXX to XX/XX/XXXX). Contacting several times the supervisor all gave elusive answers except one who is currently investigating. 
On XX/XX/202 deciding to clarify I have contacted the bank again and going to the previous cycle XX/XX/XXXX to XX/XX/XXXX with the associate we met a final owed balance of XXXX. Furthermore going to this cycle we found 4 disputable items XX/XX/XXXX XXXX and XXXX and XX/XX/XXXX XXXX and XXXX dollars. On XXXX XXXX I have called the dispute dept. because I alerted them that XXXX XXXX direct has contacted me alerting me that refund was posted. Non intelligently they admitted so and thank me for the alert. 
In the billing cycle XXXX XXXX to XX/XX/XXXX XXXXhave a credit of XXXX. 
Going down the line with the Manager from NY Call center a at XXXX am ending time, reluctlanty wanted to disclose further info and also was erratically go down the purchasing too fast in order to make calculations and I have found XXXX from the previous cycle twice charged to my card. 
Furthermore, the machine disclamers different amount due to added purchase. 
As a consumer, I do not feel secure with this bank and I believe they have a confused way to do mathematical operations. Please investigate. I can be reached by dialing XXXX. 
Respectfully XXXX XXXX
Product: Checking or savings account

Greetings NET SPEND/ACE ELITE BANKING CARD BACKED BY THE XXXX BANK INSTITUTIONS. CONTINUE TO WITH HOLD {$470.00} ON THE FLARE ACCOUNT DEBIT BANK CARD MAILED TO ME BY NETSPEND, ACCOUNT. SPONSORED BY NETSPEND. THE ORIGINAL DEPOSIT WAS {$500.00} NETSPEND FLARE ACCOUNT TOOK {$20.00} TO RUSH ME THIS NEW XXXX BANK FLARE CARD BY ACE ELITE BANKING SERVICES. THEY REFUSE TO RELEASE MY FUNDS.