23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative from Equifax this morning in regards to a recent identity theft dispute. I advised the representative Equifax had removed the wrong account ( XXXX XXXX XXXX ) which was not the account disputed in my Federal Trade Commission Identity theft report. In addition another fraudulent account ( XXXX XXXX ) which was also included on my FTC identity theft report remained on my credit file. I explained to the representative that XXXX XXXX XXXX Account needed to be placed back on my credit file and that the XXXX XXXX   account should've been removed under the Fair Credit Reporting Act statues in regards to section 605b, 609, & 611. The representative told me the XXXX XXXX account came back verified as belonging to me. I asked how could this be when the account was opened without my knowledge or consent and she then stated she didn't know how it was verified but that it came back verified. I find this totally unacceptable and it is a clear violation of the FCRA Sections 605b, 609, and 611 because it was not 100 % accurate verification using the automated e-Oscar data furnisher pacer system. The representative then told me I needed to speak to someone in the fraud department which the call was disconnected during the transfer. Any who individual who has access to my personal information would be able open accounts in my name.
Product: Credit reporting or other personal consumer reports

To : EXPERIAN. I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 10 months. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! Their claim is Hearsay according to law so I don't understand how they get away with putting this on my credit ... No proof. The credit bureaus have not supplied any documents and seem to support XXXX XXXX XXXX even though they are not following credit laws. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$3400.00}.
Product: Credit reporting or other personal consumer reports

Amount Total : {$84000.00} Dates : XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX Action take : Disputes were filed, 1099 and 1099c has been request but not received
Product: Credit card or prepaid card

On XX/XX/2018 I received a fraud alert text from Citi Card of possible fraudulent activity on my card. I replied that I had not made the purchase in question. I asked them to NOT cancel my card, because the last time they did that ( they do it frequently because their system keeps getting violated and I have to keep paying for their lack of security ), it cost me HUNDREDS of dollars in penalties and fines when they failed to transfer the new information to my automatic payment accounts.

They cancelled my card anyway, which I found out when I was almost stranded when the card was declined when I attempted to purchase gasoline. I called numerous times and each time after lengthy hold times and being transferred numerous times and being routed though the  XXXX where neither of us could hear each other, I was told I would get new cards. After a wait of a few days for the cards to arrive, I tried to use the cards, but the wrong name came up AND my purchase was declined! I called Citi card and was transferred 4 times. I was connected to the XXXX department, when it was not a XXXX card. Then I was transferred to XXXX XXXX, but that was not the correct department either. After being transferred a few more times, and having to give all of my information each time, I spoke to an agent and after more than 26 minutes, she told me they would need to replace the cards yet again! She said that maybe they processed them incorrectly because the authorized user 's name was on my account instead of mine! Then the agent tried to pre authorize the purchase that I had been attempting to make and it would not go through because their system was flagging fraud, despite all of these attempts to fix that! I don't think it would be possible for Citi to make any more errors in this process. I have wasted HOURS on hold and being transferred and I am so incredibly frustrated and aggravated! It is wasting time I don't have and can not get back! I don't think they should be allowed to get away with such a low level of service and care with people 's information. Why is it that I need to have my card replaced so many times? My credit was ruined by the XXXX  XXXX XXXX 's errors many years ago and now I am going through a similar situation with Citi 's incompetence and this scares me.

The final agent was helpful. I am angry that Citi has such bad service in general, but " XXXX at the Kentucky call center '' tried to help as much as she could.She has been the only agent I have dealt with at Citi in a long time that seemed competent.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts and included a document that shows I don't have a bankruptcy. Please remove all damaging accounts from my credit profile. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2022 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Dear EXPERIAN, I looked at my credit report back on XX/XX/2023, and noticed some things that are incomplete and not accurate. I sent a letter to you on XX/XX/2023 and asked you to investigate the completeness and accuracy of this, I haven't received a response back. This is breaking Federal Law.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC 1681i ( 5 ) it states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

2022 I payed off XXXX XXXX XXXX. 
They fed loan claims I still owe more. Will not show amount. Also, never reported to department of education.
Product: Debt collection

This company has a collection that is not mine that is reporting on my credit report. This is account number # XXXX, XXXX and XXXX. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

Today ( XX/XX/2022 ) I applied for an Upgrade XXXX Credit Card from XXXX site. I was taken to Upgrade.com to complete the information for the credit card. After reviewing the information, I was not sure if this was a loan or a line of credit. I called at XXXX XXXX  XXXX to try to get more information on the terms and conditions. After reading the terms and conditions, I clicked the button to approve the application, however, Upgrade requires further information such as Tax Information and Bank Statements. This information is not readily available to the consumer before making an informed decision. 

Furthermore, I discovered the entire adversement on the XXXX website is false advertising, misleading and time-consuming. This is not a XXXX Credit Card and they do not report to XXXX XXXX XXXX or any of the major XXXX XXXX companies. The representative agreed Upgrade Credit Card is not a business credit card nor reports to business reporting agencies. She will submit to Product Escalation to look into XXXX site. I was advised that this information provided on their site is incorrect, will get escalated, and my application will be rectified. There is no known processing time for this request per the representative. The representative disconnected the line without providing adequate information for what to do next. After a 52 minute and 4 sec call, they never called back!
Product: Debt collection

XXXX.I have never had an account with this company RS CLARK AND ASSOCIATE XXXX, REMOVE from all credit agencies from reporting. 
XXXX.consumer means any natural person obligated or allegedly obligated to pay any debt. According to XXXX XXXX Code XXXX ( XXXX ) XXXX.This letter is in pursuing XXXX XXXX Code XXXX ( c ) Ceasing communication XXXX am the consumer mentioned in XXXX XXXX code XXXX ( XXXX ) You are RS CLARK AND ASSOCIATE the debt collector XXXX XXXX XXXX ( XXXX XXXX I am invoking specified remedies under use XXXX XXXX code XXXX ( XXXX ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to XXXX XXXX Code XXXX ( c ) ( XXXX ) XXXX am the executor under the XXXX XXXX Code XXXX ( d ) pursing to XXXX XXXX Code XXXX A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXX to XXXX XXXX XXXX XXXX ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX XXXX XXXX XXXX ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXX mentioned in the XXXX XXXX XXXX XXXX Unfair practices ( XXXX ) XXXX pursuing to XXXX ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX XXXX Code XXXX Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section XXXX ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the XXXX Code XXXX and XXXX.
Product: Mortgage

I have been working with Better.com on a refinancing my property XXXX XXXX XXXX XXXX, XXXX, GA XXXX where the going price per square foot for selling properties ranges for comparables between $ XXXX $ XXXX XXXX. 

Despite several attempts to dispute the clearly bias appraisers decision of placing my property at $ XXXX ft ( despite a full home renovation an upgrade ) they have placed excuse after excuse on how they can not provide a fair and accurate appraisal. There is clearly bias and descriminatory factors taking place. 

Appraiser was also 2 hours late while I sat there taking off work, spoke in person about how nice and updated the house was then in the report states it's in average or below condition for the area it's in ; however long standing citizens of this community who visited the home have stated it's one of the nicest in the neighborhood.
Product: Credit card

I looked into the terms of a loan which was offered through my American Express card. 
The loan was through " XXXX ''. I did not agree to the loan as the interest rate was not low enough. I declined the loan by stating " no thanks '' on the signature line. The money was transferred into my bank account even though I declined the loan. I called them and they would not assist me in reversing this. They only told me to pay the money back and gave me an address. I feel they should have been responsible to fix this. I do n't think they should be allowed to do this.
Product: Credit card or prepaid card

I have a credit account at Home Depot, which is serviced by citibank. 

I received an invoice in XXXX that clearly stated if I paid {$1100.00}, that I would avoid interest charges. I made 3 payments that total {$1100.00} prior to the due date. When I received my XXXX invoice, only {$350.00} was applied to my high interest revolving balances of 22.99 %, whereas the other {$780.00} was applied to 0 % interest promotional balances that expire XX/XX/2019. 

I called to have them correct the issue, but they simply gave me credit for the {$18.00} interest charge generated by the misapplication of funds to balances with different interest rate charges. This has occurred twice in the last few month, where the bank applies payments to the lower interest rate prior to the high interest rate, thereby generating more interest charges. 

I am aware of the rule where the minimum payment can be applied wherever the bank chooses, but the remainder is applied to the highest interest rate first. In this case, the minimum was {$190.00}, but {$780.00} was applied to the lowest interest rate and {$350.00} was applied to the high interest rate. 

If I wasn't paying attention to the bank 's hijinx, I would not have noticed the {$18.00} in erroneous finance charges.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the multiple attempts I have made to correct a late open account that is still erroneously reported on my credit report. Despite my diligent efforts to rectify this issue, I am disappointed to find that it continues to adversely affect my creditworthiness. 

I first contacted your agency to report and dispute a late open account on my credit report that I believe to be inaccurate. Since then, I have made several subsequent attempts to resolve this issue by providing all necessary documentation to substantiate my claim and following your agency 's dispute procedures diligently. 

Regrettably, despite my persistent efforts, the late open account remains on my credit report, causing significant harm to my credit score and overall financial stability. This inaccurately reported account negatively impacts my ability to secure loans, housing, and employment opportunities, and it has eroded my trust in your agency 's ability to maintain accurate credit reports. 

I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of the late open account. It is imperative to emphasize that this discrepancy is not a reflection of my financial responsibility, but rather a recurring error on my credit report. 

I urgently request that you take immediate and definitive action to correct this inaccuracy by removing the late open account from my credit report. I have provided substantial evidence to support my claim, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the correction has been made. 

Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Ensuring the accuracy of credit reports is paramount for maintaining trust and confidence in the financial system. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to correct this late open account immediately : XXXX XXXX XXXX : {$900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against  XXXX . I have contact them several time by letter and via phone conversation. I also, sent a copy of a police report regarding the issue. I recently viewed a copy of my credit report and noticed that all of the inquires did n't belong to me and I did not authorize any of the creditors to pull my credit. I am requesting that they be removed from my report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To who it may concern, I am sure youd agree accuracy and fairness of credit reporting is a extremely important to all consumers.

Our Congress made the following findings in regards to accurate credit reporting ; ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Reasonable procedures The fiduciary duties of consumer reporting agencies is not to be taken littlely. All consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. 

Right now USAA is in violation of the Fair Debit Collectiong Practices Act. USAA is intenionally attemping illegal debt collection practices.

I demand a VALIDATION OF DEBT of this alledged debt, pursuant 15 USC 1692g of the Fair Debt Collection Act.

a. Verify original creditor/name and address b. Verify amount and all statements connected to this alledged debt c. Verify any all alledged security interest that USAA is thought to have to have. 
d. Send a XXXX  copy of title stamped copy showing USAA as lien holder. 

XXXX. Send me XXXX XXXX XXXX all findings to verifying me as owing a debt in connection to this alledged debt. 

XXXX. When finding show I owe no debt ; immediatly XXXX  my car loan balance, and remove any and all negative marks in accordance with the Fair Credit Reporting Act.