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

It started on XX/XX/XXXX, I contacted XXXX XXXX XXXX, also known as XXXX XXXX XXXX, about them reporting an account on my credit report and which I had no knowledge about. I mentioned I was a victim of identity theft in the past and continues to happen. They told me to contact the dealership who reported it to them, XXXX XXXX, who I have contacted. They claimed I had originally asked about a XXXX XXXX and my business was denied credit but did not state any vehicle was in my name or purchased. I called back XXXX XXXX, and they kept on insisting they could not do anything and I would have to contact the dealership. They also stated I would have to make payments towards this account, or my credit would be showing late payments. I have been making payments since due to my construction business and I use my personal credit to obtain loans and could not afford to allow any late payments on my credit. On XX/XX/XXXX, I spoke with a XXXX, XXXX XXXX, and stated he would put in a request to investigate this matter. I was told I would receive a Identity Theft Affidavit, which I filled out and notarized and faxed to XXXX XXXX on XX/XX/XXXX. I have yet to hear anything back and this account is still reporting on my credit report. I will stop making these payments as for over 6 months now, XXXX XXXX has done nothing and ignoring my requests to remove this account from my credit report. 
I've also emailed XXXX XXXX a Federal Trade Commission Identity Theft Report, reported on XX/XX/XXXX. XXXX police have also been notified of this situation. On XX/XX/XXXX, I called to check receipt of the Identity Theft Affidavit, i talked to a XXXX, who gave me an email address to send copies to as she did not see that in the system. XXXX hung up the phone on me after stating she would go look at what i emailed her. I have sent 2 emails to her since and no responses at all. I do not own a XXXX XXXX nor ever purchased one from XXXX XXXX.
Product: Debt collection

I keep receiving calls regarding a debt with CAPITAL ONE BANK, N.A. They have been unable to verify this debt still exists. I have asked numerous times for them to confirm because according to my records, the account was previously paid. When I had a discussion with an associate, they confirmed the payment amount due to settle the account and provided the date it was paid. I then asked they update their records and stop contacting me. They continue to call and send me a collection notice, but not provide record of the account payments, history, etc. that I have requested. 

Last payment was on XX/XX/year> which according to my records, completed the settlement amount. 

XXXX XXXX XXXX XXXX now owns the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : D

ispute of Credit Information Due to Negligence and Non-Compliance ( Section 1681 ) Dear Sir/Madam, I am writing to formally dispute the information reported on my credit file, which I believe to be incorrect due to negligence and non-compliance under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681. On reviewing my credit report, I noticed the following discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Balance is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance is incorrect. 
XXXX. XXXX XXXX XXXX XXXX : Credit Card : Pay Status incorrect XXXX XXXX XXXX : Credit Card : Loan Type Incorrect Section 1681 of the FCRA requires that credit reporting agencies ensure the accuracy and completeness of the information they report. As per this section, they are obligated to investigate any dispute brought to their attention and correct any errors resulting from negligence or non-compliance. The inaccuracies listed above clearly do not align with my records and/or prior communications with the relevant creditors.

Therefore, I request that you investigate this matter immediately in compliance with Section 1681 and take the necessary corrective actions, which may include : Removing or correcting the inaccurate information.

Providing confirmation of your findings in writing.

Informing the creditors involved of the dispute and your investigation.

Additionally, I request that all necessary corrections be made to my credit file and that any derogatory reporting be amended or removed as appropriate.

Please consider this letter as my formal notice of dispute, and I ask that you resolve this matter as soon as possible. I expect confirmation of the resolution, or updates on the status of your investigation, within 30 days as required by law.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting deletion of these accounts to all credit bureaus. There have never been late payments and these inaccurate details shall be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX ( XXXX XXXX XXXX XXXX ) opened in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Product: Debt collection

XXXX XXXX calls me several times a day trying to collect a debt they said I owed from XXXX XXXX in XX/XX/XXXX. Ive never banked with XXXX XXXX in my life. They have called my wife, mother and me repeatedly and threatened me with a court summons. I have told them that they are mistaken and I asked for proof of the debt to be mailed to me. They refused and insisted I pay them. Most recently, they threatened to continue calling me all hours of the night unless I pay them. They call from numbers all over the country.
Product: Checking or savings account

Hello, I activated a Payback Reward on my Western Union Prepaid card that said if I made a {$75.00} purchase at XXXX XXXX XXXX by XX/XX/XXXX, I would receive a {$50.00} credit. I made the {$75.00} purchase on XX/XX/XXXX, and XXXX XXXX registered the offer as confirmed and pending payout on XX/XX/XXXX. XXXX XXXX did not pay out the offer on XX/XX/XXXX, and my secure messages to them since then have not worked to process the payment. I have had similar issues with Netspend not paying me a Payback Reward and a CFPB complaint was ultimately what resolved it. I am asking again for the CFPB to help me get credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

I have a complaint against American Express Credit Card. I made a schedule payment for XXXX on the XX/XX/2017. I did n't realized my old banking information was comingled with my current banking account. About 2 days later I realized I pull money from the wrong account. I called American Express on XX/XX/2017 that I will be making a XXXX payment from the correct account. I thought the problem was solved. After a made the payment they attempted another time, now its 3 times in the wrong account. I called and asked why did you attempt it again after I made the XXXX payment? American Express in XXXX told me it 's their practices of three times and it 's not disclosed in my agreement. Customarily in the banking institution to deem NSF after twice deduction. I wanted to see in my agreement were it stated we will attempt three times or more in your account. I asked to be transfer to the US. But transfer to XXXX. I finally got transfer to the US and asked for a follow up with my complain. No feedback.
Product: Debt collection

I received a notice of debt at my old address/XXXX  XXXX XXXX, ( although XXXX XXXX is aware of my forwarding address ). I did not received anything from XXXX XXXX XXXX  requesting payment or advising of expenses or any debt owed. There was no claim to keep my security deposit at any time. NO debt is owed, as I paid timely, in full, and honored the terms of our agreement ( which XXXX XXXX XXXX violated ), in addition to illegally containing or withholding my security deposit. There were verbal and e-mail communications advising that I could terminate the lease. The apartment was literally placed in BETTER THAN move-in condition prior to leaving, and I vacated when the landlord asked that I vacate so she could 'return my deposit and show the unit '. This erroneous debt was placed in collections LESS THAN a week later ... with 4.75 % interest. The collection agency reported to my credit after being informed by an attorney that the debt was not verified. XXXX XXXX/ XXXX XXXX XXXX/ Hunter Warfield collect LOTS of fees for this invalid, unsubstantiated, immoral, and illegal process and I want to make sure it does not continue.
Product: Vehicle loan or lease

I recently leased a car that was XXXX since day XXXX. I was told several times that nothing was wrong with the car until they finally figured out the XXXX XXXX was defective in which my car kept XXXX. There is also a safety recall on my car that I mentioned not feeling safe driving it and with my child or anyone else. I currently have XXXX XXXX and XXXX with the car and they said its due to XXXX XXXX through the harness and they wont give me a new car, take the car back or any other solution except pay off my lease contract that I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account number XXXX, XXXX BANK Account XXXX XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX  Account XXXX XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account number XXXX, XXXX ACCOUNTS Account XXXX XXXX, XXXX XXXX XXXXXXXX Account number XXXX, XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, has violated my rights as follows 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 which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 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: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding a violation of the Privacy Act by your organization. I recently obtained a copy of my credit report from your bureau and discovered that my personal information had been shared without my consent, which is a direct violation of my rights under the Privacy Act. 

Specifically, I found the following instances where my privacy had been compromised : XXXX. The amount of unauthorized Hard inquiries are in direct violation. Dates arranges from XX/XX/year> until present. Names that are not my actual name is on the report and as well as addresses that are unmailable that I'm not associated with. I have reached out to each of the credit agencies about this matter and I've been ignored on multiple occasions I would like to emphasize that the Privacy Act is in place to protect individuals ' personal information and ensure its confidentiality. As a consumer, I have the right to expect that my personal data is handled with utmost care and only shared with authorized entities under appropriate circumstances. 

The unauthorized sharing of my personal information has raised significant concerns regarding the security and integrity of my credit report. It is imperative that your bureau takes immediate action to rectify this situation and prevent any further unauthorized disclosures.
Product: Credit reporting or other personal consumer reports

Beginning in XXXX of XXXX, I noticed by FICO credit score was not accurate. I applied for a credit card and was denied. I did not know the reason as I had a good credit score in XXXX. I continued applying to credit cards and kept getting rejected, even for ones I was over qualified for. I pulled all three credit scores in XXXX of XXXX. The discrepancy between Experian and the other agencies was obvious. They did not have my oldest credit card on file at all. I reached out to my bank and they told me I needed to reach out to Experian. 

I called Experian and an automated answering machine told me to file a credit dispute online. When I went online I found there was no clear way to file a dispute for MISSING information on your credit report. I tried to call again but was only talking to an automated service that refused to transfer me to a human being. So, I filed two disputes on the Experian website where I selected another credit card and explained that the dispute was not about that credit card but a missing credit card not available on the Experian report. Both disputed were denied and no action was taken to reflect the correct information on the credit report. I proceeded to call Experian at several different number to try to speak to a representative. I called on the following days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I finally gave up and open a complain with the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They sent a request to all credit agencies to reflect the correct information on XX/XX/XXXX. I allowed 60 days for Experian to do so. They have failed to update the information on my credit report. 

Today, XX/XX/XXXX, I have called Experian 8 times at several different number and am only directed to an automated machine that refuses to allow me to speak to a representative. I believe that not only has Experian failed to accurately reflect my credit history, leading to a detrimental impact to my lending ability, they have failed to resolve the issue even though it has been disputed three times, and they continue to fail consumers by not allowing them to call a customer service line and receive efficient help from a real person. If they really can not updated the credit report would like an explanation WHY my disputes were denied, WHY my information was not updated, and WHY they refuse to accurately reflect my credit history on my credit report so that I can make informed decisions about my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX ARE PARTNERS IN CRIME, PROOF HERE, THE ORIGINAL INSTRUMENT HAS VALUE SO WHERES THE DEBT?, WHERES THE ''BILL ''? HEY XXXX, WHY ARE YOU MAKING FALSE CLAIMS ON ME,? HI XXXX XXXX YOU CRIMINAL MISCREANT, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH XXXX THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX  XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? XXXX MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?
Product: Mortgage

I tried to get a modification several times but they still did n't give me one even after making trial payments. But I started with a realtor to get a short sale done because I did not want a FORECLOSURE on my credit because its hard getting approved for an apartment with a bankruptcy or foreclosure status that 's not a year old or more. The realtor and I was speaking with them today and they said they can not postphone the sale because Chase is asking that the HUD-1 show that the taxes are paid because they said they paid them. The title company could not verify it when they asked and now Chase does not want to postphone because they paid them on XXXX XXXX, 2017. But the title company could not verify and asking to give them time. I have signed every form sent to me and it not my fault that this is happening my realtor has all forms showing how we have been in compliance towards this short sale. Please Please Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  XXXX several times to please update my information since I have paid the off and they have not. There is old information on my credit that should be removed and it is not removed. This is preventing me from obtaining credit as they are keeping my score in an unfair really low number. It is preventing me from obtaining fair credit.
Product: Credit card

Dear Citi Card Customer Service, I am writing to express my deep concern regarding the sudden closure of my Citi Card - Best Buy account. This action was taken without any prior notification or explanation, despite my consistent and timely payments on the account. 

Recently, I experienced unauthorized charges on my card due to fraudulent activity. As a precaution, I reported the card as lost or stolen, and the card was replaced. However, without justification, Citi chose to close my account entirely. This decision is perplexing and unjustified, as I have always maintained a flawless payment history and taken immediate action to address fraudulent activity on my account. 

Violations of Consumer Rights This closure appears to violate federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681, Section 602, I am entitled to privacy and accurate handling of my credit information. The closure of my account without justification or notice infringes on this right.

Fair Credit Billing Act Under 15 U.S.C. 1666B, creditors are prohibited from penalizing consumers for circumstances beyond their control, such as fraud, especially when the consumer has reported the activity and taken appropriate steps to secure the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting or other personal consumer reports

I have sent letters and went on my Transunion app too dispute three inquires that arent mine ( XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX XXXX } and two inquires look like the same company and plus inacurrate address 's plus other accounts that i tried to bring to there attention thru letters and plus the app and verbally and they keep sending me stall leters