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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XX/XX/2022
Product: Debt collection

Just haggling me. I dont even know where the debt came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Student loan

I contacted Educational Credit Corporation to ask about a payment transcript they sent to me after my loans were taken out of default due to my paying the loans through a bankruptcy. I asked why the payment transcript showed that my payments made during the pandemic had been reversed back to me, but I never received them. The Customer Service rep told me that they had reversed my interest on the loan due to the COVID forbearance, but not the actual payment. I asked for a record or statement of this to be sent to me in writing. However, I never received anything in writing from the company after receiving the initial transcript. The next time I called I was told to contact XXXX XXXX as my loan had been transferred to that company. 
On my first contact with XXXX XXXX, I was told that my account had been transferred & that I was eligible for the refund of payments made during the COVID forbearance. The agent took my information & told me a check would be sent to me in the mail. After over 6 weeks of waiting for the refund, I called again & was told I didnt qualify for the COVID forbearance because of the type of loan I had. I asked why did my original loan servicer, ECMC, send me a transcript with COVID forbearance written all over it, but could not get a straight answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied to the companies listed on this report. Please remove the inquiries for XXXX XXXX XX/XX/22 and XXXX XXXX XXXX XXXX XX/XX/22. I did not apply for these.
Product: Credit card or prepaid card

After purchasing and cancelling/returning appliances between the dates of XX/XX/2020 to XX/XX/2020. Citi Bank has overcharged me by {$550.00} I should be charged {$6100.00}, instead they have charged me a total of {$6600.00} for purchases they will be unable to substantiate. In a nutshell, Citi Banks system was unable to keep up with the charges/returns vs. the actual purchased products. They are not willing to go through each individual transaction and match them to products received by Best Buy. 

I have attempted to resolve the issue numerous times ( likely 20 separate occasions ). I have called many times as well. Even though many of Citibank 's representatives can see that I have been overcharged, no one will adjust my balance. It always ultimately results in the charges being accurate when they are not. Despite my many attempts to help the bank sort through transactions they should easily be able to tell navigate through themselves, the inaccurate charges remain. This issue started in XXXX ; now seven months laterI am beyond frustrated and ready to move on with a lawsuit, if I am unable to make headway here. 

Note : some of the excuses I have been getting from Citibanks representatives about the issues not be properly investigated is that they have a lot going with their Covid disputes. That many people have concert tickets that need to be refunded and what not. 
Additionally, I have provided the company with a receipt showing what I should be charged. I have also begged them to just reach out to Best Buy as when I speak with the reps at Best Buy, they are able to tell me exactly what I should be charged. I have also escalated my dispute to the Executive Department at Citibank. That dispute resulted in the same outcome as before. No one wants to properly investigation. 

Please help. 
Sincerely, A desperate consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a duplication of an auto loan that I am the co-buyer on with my grandmother. The loan account was opened XX/XX/XXXX with XXXX XXXX XXXX with a current and remaining balance of {$12000.00}. This is the ONLY loan that we have with XXXX. I have disputed this error with Equifax on numerous occasions to include numerous online disputes as well as phone calls. I have been told by Equifax to contact the creditor ( XXXX ) and have them validate the correct account. XXXX has and continues to validate the correct account and report information monthly. Equifax updates the correct account while disregarding this duplicate entry for almost 2 years despite my numerous disputes. Its an obvious duplicate as both entries show the same account number. We never closed an account and opened another with XXXX and XXXX has confirmed there has been no reason or changes that would to justify an additional entry. 
The duplicate account has not been updated since XX/XX/XXXX which is when it was added, still shows a balance of {$17000.00} and an account open date of XX/XX/XXXX. All incorrect, proven incorrect yet Equifax has and continues to report incorrect information that has not only lowered my credit score, increased my debt to income ratio and directly impacted my credit worthiness and ability to obtain credit.
Product: Credit card or prepaid card

I was in XXXX  for my friend 's wedding on XX/XX/XXXX - XX/XX/XXXX. On the night of XX/XX/XXXX, past XXXX  ( XX/XX/XXXX XXXX ), I made a togo order at " XXXX XXXX '' and made a transaction for {$62.00} when I picked up the food. The next morning ( XX/XX/XXXX ), I found out that I lost my credit card. I immediately checked my bank account and noticed that there is another transaction made at " XXXX XXXX '' with {$260.00}. This one is not a transaction made by me. Soon as I saw that statement, I called the Chase customer service to lock my credit card and reported the {$260.00} transaction as fraud. On the call with the customer service, the customer support representative let me know that it will be removed and I won't need to worry about it. Today, on XX/XX/2022, I checked the bank statement, and found out that the fraud department denied my fraud request recently with a reasoning " you received benefit from this transaction ''. I strongly believe they did not make any action to truly investigate the issue. I am sure there was cctv to prove that I was at the restaurant for only about 3 min to pick up the food which will definitely explain that the later transaction of {$260.00} is fraud. They did not list any of their evidence to prove that I benefitted from the transaction. I also never made any kind of fraud claims, which gives me more validity that I am not making any false claim. If I intended to make a false claim, I could have reported my first transaction of {$62.00} to be also a fraud transaction. But I did not do it, because the first transaction was made by me. I can not accept their rejection reasoning unless they can explain to me what investigation was made and proof of evidence to show that my fraud claim is not valid. I reported the fraud claim the day after the fraud transaction was made, so they had plenty of time to investigate, such as checking the cctv. I wish I can provide more evidence, but they took over a month to investigate and rejected my fraud request and since I do not live in XXXX, I can not provide any documented evidence.
Product: Credit reporting or other personal consumer reports

I was reported to the credit agencies for a late payment on the Goldman Sachs apple card, after repeated requests from apple card to send bills to either my home address, or another ( actually functional ) email address. Their customer service representatives were not fully clear on this policy. Despite the fact that they said they were unable to do either, when the payment was late ( 30 days ), they reported me to all three agencies. Even after I paid off the account in full, they continued reporting me to the agencies, even after a dispute I filed. When I called Apple they said they 1. did not provide mailed statements, and you had to call in every month to get one, and 2. it was impossible for them to send emailed statements to an account that was not the apple account, even if the apple email address was inaccessible. 
Basically they were deeply unhelpful, and said everything that happened was my own fault, even though the account was paid off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$7500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insuran ce C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible  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  Please remove these inquiries from my credit report immediately
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. XXXX XXXX ACCOUNT ENDING XXXX I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting. 
XXXX. **Failure to Furnish Form XXXX : The collection agency has also failed to provide me with a copy of Form XXXX concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations. 
XXXX. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent. 
XXXX. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer. 
XXXX. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

This is one of my numerous 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. XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit card

In XXXX 2016, my plastic surgeon recommended I get a Capital One credit card to cover my XXXX. The main benefits of the card they recommended were 0 % interest and XXXX due till XXXX 2016. Capital One did not inform us of a minimum payment due till we were XXXX months late with a minimum payment. Once informed in XXXX 2016 that there was an issue we promptly payed the minimum and and penalties. On XXXX XXXX, the full balance was paid off. This error on XXXX XXXX part is affecting my ability to secure a mortgage on my dream home. I respectfully request that Capital One remove this blemish from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Collections & Outsourcing continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX XXXX XXXX. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Fair Collections & Outsourcing. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute. Their response yielded a mere fabricated statement that lacked veracity. XXXX has continued to communicate such inaccurate, unverifiable information about delinquent debts to unauthorized third parties and failing to provide written verification of debts. 

In my first dispute letter to them I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND with any of the information. They have not provided evidence of Arkansas penal codes for leasing to further validate their alleged debts. Again, further proves the inaccuracies and their negligence. The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate. It is obvious that Fair Collections & Outsourcing has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.
Product: Credit card

I signed up for jetblue plus card when booking a flight as I was offered XXXXXXXX XXXX points and XXXX credit off the flight I was booking if approved and spent XXXX dollars and paying the XXXX dollar annual fee. After applying was told decision could not be made immediately. Next day I was told I was approved and was able to book flight and get XXXX credit. However even though I spent the XXXX needed and paid the annual fee, I was never given the full XXXX points offered but rather XXXX. I contacted barclay who told me they can do nothing to contact jetblue, who tells me I need to contact barclay they can not do anything. And between tons of back and forths im told either yes this should be fixed I need to wait a few weeks and nothing happens or that I did not sign up for the XXXX points offer even though Ive showed them I clicked that exact offer. As promised due to their deceptive practices, you can see I am not the only one this has happened to I decided to cancel this card, but this needs to be reported and I still do believe Im owed the points as Ive had the card more than a year and have spent thousands on it, but have been only given less than half of what was promised and still owed XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of a year and after several phone conversations and letters with Transunion regarding several consumer credit transactions showing on my reports " still '' showing up, have refused to remove them. Per 15 usc 1681b ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave them permission to furnish these accounts on my behalf no consent is Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal complaint to XXXX, XXXX and Transunion XX/XX/XXXX asking them to verify the bankruptcies XXXX  XXXX case # XXXX filed XX/XX/XXXX, XXXX filed XX/XX/XXXX, XXXX filed XX/XX/XXXX and case # XXXX filed XX/XX/XXXX that is on my profile with them XXXX and XXXX didn't respond but Tranunion send a letter stating they verified the bankruptcies with a company called XXXX XXXX XXXX. I understand according to the Fair Credit Reporting Act 15 U.S.C. 1681g Section 609 they are to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit profile also I understand XXXX XXXX directly owned by XXXX which makes them " affiliated ''. As such, anytime an affiliate shares/furnishes information, with the FCRA right to privacy as a consumer, they are supposed to notify you before they furnish any information granting you the option to opt out and they didn't. XXXX XXXX is getting that information from a 3rd party XXXX  and furnishing that information to XXXX, Transunion and XXXX without permissible purpose 604 15 U.S.C. 1681b.
Product: Credit reporting or other personal consumer reports

Two companies XXXX XXXX XXXX which is closed and early warning.com. XXXXXXXX XXXX XXXX  used early warning before opening me a checking acct. and said they could not open it because of an old XXXX XXXX XXXX account that I word on and I have no idea what they are talking about. I have pulled my credit report recently the past couple of years there is nothing on there at all about this and I do not owe them anything. Please help me fix this. I called early warning and ask them to help me and they said it would take 30 days and they acted more like they were helping the banks more than customers. I really need to open a checking acct I have a lot of cash on me and need to put it up in an account asap. Thanks so much.
Product: Credit card or prepaid card

I was charged a " debt protection fee '' which I never authorized. I took advantage of a Best Buy credit card promotion of interest-free payments for 24 months. I made my regular payments, but I was shocked to see this random fee I never authorized. I called the Best Buy Credit Card customer service number to report the issue, but they instructed me to call the phone number associated with the " debt protection fee ''. Whenever I would call this number, I am never able to get a hold of a person. Best Buy also mentioned that this fee may have been something the previous bank ( that managed the card ) included with the account. Even if this were true, why is my current card still incurring this " debt protection fee? '' I searched the internet to find any information on this fee, and I found a Best Buy forum where others have reported the same exact issue. Several Best Buy Credit card users were claiming they were being charged a scam fee labeled " debt protection fee ''. Whenever Best Buy would respond to these customers in the forum, they were told the same thing I was told -- which was to call the number associated with the " debt protection fee. '' The customers would then reply that they are never able to get a hold of a person when trying to call the number associated with the " debt protection fee ''. This is exactly the same issue I am dealing with. I have called Best Buy credit card customer service several times, but I keep getting told to call the number associated with the " debt protection fee. ''
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX Balance : {$850.00}XX/XX/XXXXXXXX XXXX Balance : {$1500.00} XX/XX/XXXX XX/XX/scrub>/2024 XX/XX/XXXXXXXX XX/XX/year>2024 XXXX XX/XX/XXXX XX/XX/scrub>XX/XX/XXXX/2024 XXXX XXXX XX/XX/year>2024 XX/XX/XXXX # XXXX XX/XX/scrub>/2024 XX/XX/XXXXXXXX XXXX/XXXX/2024 XXXX XX/XX/scrub>/2024 XX/XX/XXXX XX/XX/scrub>/2024 XXXX XXXX/XXXX/2024 XXXX XX/XX/scrub>/2024 XXXX XX/XX/year>2024 XX/XX/XXXXXXXX XX/XX/year>2024 XX/XX/XXXXXXXX XX/XX/year>2024XX/XX/XXXXXX/XX/XXXX XXXX/XXXX/2024 XXXXXX/XX/XXXXXXXX/XXXX/2024XX/XX/XXXXXXXX/XXXX/2024