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

I hope this message finds you well. I am writing to express my concern and submit a complaint to RENT RECOVERY SOLUTI regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, RENT RECOVERY SOLUTI will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint
Product: Debt collection

I opened a complaint against this company yesterday. It was closed after they sent documentation. The documents they sent dont bear my address I had while stationed there nor is that my signature. I lived in  XXXX  from  XXXX  to   XXXX  . Prior to leaving overseas, a checklist has to be completed showing all local debts paid in order for orders to be given to leave the location. I lost my wallet twice while in  XXXX , I also stayed in base barracks, Im not sure where this address is that is shown on the bill but it is not mine. It is obvious I have been a victim of identity theft. all my debts were paid prior to leaving, it is a requirement. This is not how veterans should be treated and I ask that you do due diligence in verifying these documents. They are not mine, here it is six years later and Im having to deal with this.
Product: Credit reporting

I file a dispute with XXXX XXXX account that are closed with XXXX balance. Because this account has been settle years ago and still has a negative impact on my credit report. Because this is a 7 year old account and XXXX agreed to remove these account off my credit report. Reference # XXXX. I did file I new dispute with Experian but I know they do not update right away and they do not follow creditor request. So I am filing a complaint so it is recorded through this system. XXXX mail out letterhead to me I should receive it within 7 business days and if it is not removed I am going to file a new complaint with it. I asking Experian to follow Creditor request. They are the one who reported it in the first place.
Product: Credit card or prepaid card

This Is Not A Duplicate Complaint but A NEW COMPLAINT AGAINST THE SAME BANK a purchase of {$60.00} was place on my card. However, the service repair was never done. 
The company came to my home on XX/XX/2019 and spoke with me. I explained the Ohio Gas Company had red tag my stove and what the problem was. He said he had just used his last part and return on Tuesday XX/XX/XXXX, XXXX. He never came back. 
The credit card has chose to not refund my money for services I never received. 
He was reassigned back her on XX/XX/2019 and was a no show
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX MSCB INC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 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 report ... agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency n. make any consumer report containing any of the following items of information Any other adverse item of information, other than records XXXX convictions of crimes which antedates the report by more than seven 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: Payday loan, title loan, or personal loan

LendUps payment processing system wont process a payment using two different MasterCards. The error message is does not state a reason. This issue was duplicated by Lendup via phone support. Lendup is aware of the issue as it is indicated on my account early 2018 when first reported this issue. They have not resolved it and have not been able to process my payments. Although they say this is being investigated as an issue with their system, Lendup has still negatively affected my credit. I have made regular attempts to pay and their system still fails. It even fails with the account they sent the initial loan money to. 
They will communicate this issue with me over the phone but are very careful not to indicate it via email. I have communicated this information to Lendup with no resolution.
Product: Debt collection

This is a complaint from XXXX XXXX against XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX failure to provide requested information for the debt alleged. XXXX XXXX XXXX XXXX has been reporting on Consumers credit report and attempting to collect for a debt that the consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ;  b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
XXXX XXXX XXXX XXXX responded on XX/XX/18 with a request for a medical authorization. This was provided on XX/XX/18, again with a request for the above information. It has been almost three months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported my payment as late and it was not.
Product: Student loan

I was constantly forced to pay fees for my loans with Sallie Mae, including when I was on XXXX. My loan amounts doubled in less than five years from interest capitalization from the lawyer.
Product: Debt collection

I keep receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent to jail and prison, violence and death from Credit Acceptance Corporation Debt Collection Representatives for a fraudulent account and debt of {$8100.00} thats not my debt or account. The account and debt is fraudulent and the result of identity theft. Its very appalling, disturbing and frightening to be receiving phone calls of violence and death for a fraudulent account and debt that came from identity theft and do not belong to me. Credit Acceptance Corporation Debt Collection Representatives is in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have become aware of a large sum of debt that has been obtained illegally using my identity and personal details. Most of the debt is due to collection accounts from utility and telephone companies. I have contacted the credit furnishers and credit agencies but have had no results or actions taken to help me recover from the thefts. I have since educated myself on the laws that protect me from these unjust acts. I Now am submitting my dispute and docs with cfpb so that I have record proof of the complaint since my prior mailed and site uploaded disputes have only been ignored and not completed within the laws guidelines according to the fcra.
Product: Credit card

Hi, On XXXX/XXXX/XXXX I charged {$86.00} worth of merchandise at XXXX. Due to no bill coming in the mail or the computer email reminder stating this bill is outstanding, I forgot and failed to pay the original balance of {$86.00}. I received a call from a collection agent XXXX XXXX, XXXX informing me my bill is PAST DUE and outstanding and I owe {$200.00}, I asked why I was now being informed the cost is {$200.00} and I was not notified by written or email the original balance {$86.00} was outstanding. I asked for the dates XXXX notified me and the collection agent XXXX on XXXX/XXXX/XXXX could not provide dates I was supposibly notified ), I explained what happend and I was sorry I overlooked the {$86.00} charge, however I did not receive a statement by mail or email and could not understand why I was not notified. I immediately paid the {$86.00} and XXXX late fee to the store directly, I had no help from the collection agency so I called XXXX directly to explain the situation. XXXX representative was able to see the payment from the original purchanse and XXXX late fee and was able to credit fees and interest that were adding up after the payment was made. I was still receiving statements with late fees and interest on the late fees after my call. On my final call to XXXX customer service supervisor on Tuesday XXXX XXXX, XXXX XXXX waived the additional fees and explained the situation is closed and I should not receive any other bills reflecting the late fee and charges. XXXX reported to my Bureau as if I was consistantly not paying and it dropped my score considerably. I am requesting this derogatory tradeline be deleted from XXXX, XXXX and XXXX. 
Thank you for taking the time to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible
Product: Credit card

On XX/XX/XXXX, I applied for an AMEX XXXX XXXX credit card in the XXXX XXXX XXXX in XXXX XXXXXXXX XXXX using the terminal in their office direct with American Express. The sales person knew I already had a XXXX XXXX XXXX credit card. The promotion was 0 % interest for 15 months and if you charge {$6000.00} in the first 6 months you get XXXX bonus reward points. Upon approval for the card ( XX/XX/XXXX ), I charged {$15000.00}. I still have not received my bonus rewards to date. 

I called AMEX several times. I received many different answers. I opened 2 different cases. AMEX is telling me I am not entitled to the bonus rewards because I already have a XXXX XXXX XXXX According to the terms & conditions, which I have attached, if you opened a XXXX XXXX card within the last 24 months, you can not receive the bonus points. I opened my XXXX XXXX card in XX/XX/XXXX. 

I called the XXXX sales team I purchased with and XXXX corporate. They do not want to get involved. They said it is an AMEX promotion. Needless to say, I am very frustrated with both American Express and XXXX. I am very hopeful the Consumer Federal Protection Bureau can help me resolve this issue. Thank you for your consideration of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I disputed some accounts on my Equifax credit report that are inaccurate and inconsistent. The company came back and said that the accounts are accurate. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. The confirmation number for the report is XXXX.
Product: Debt collection

This will be the sixth complaint submitted to CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) starting on XXXX XXXX, 2016 until XXXX XXXX, 2016 against CALIBER HOME LOANS , INC . This complaint will be another addendum to the prior XXXX prior complaints submitted against CALIBER HOME LOANS, INC., which are Case Numbers XXXX, XXXX, XXXX, XXXX, andXXXX. 
XXXX ( hereinafter " XXXX '' ) my true and lawful Attorney-in-Fact contacted CALIBER HOME LOANS, INC., on Thursday, XXXX XXXX, 2016 and a XXXX, SINGLE POINT OF CONTACT SPECIALIST, TELLER ID. NO. XXXX answered the phone. Like the other XXXX prior case numbers as listed above, XXXX sternly intentionally refused, prohibited, and stonewalled XXXX from again finding out what steps if any CALIBER HOME LOANS, INC., has taken to close Caliber Account Number XXXX once and for all, because of the unquestionable, substantial, and tangible documents that have already been submitted to CALIBER HOME LOANS, INC., that said property by operation of law called " Rights of Survivorship '' transferred to XXXX XXXX XXXX XXXX, so there is no property affiliated for CALIBER HOME LOANS, INC., to foreclose on, as XXXX XXXX XXXX was the only person who signed the NOTE and made that promise to pay, not XXXX XXXX XXXX XXXX or anyone else for that matter!!!
Product: Debt collection

sent certified mail to verify debt being reported. was signed for and delivered XX/XX/24 and no response to verify debt but still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION as violated seven federally protected consumer rights under the FCRA Fair Credit Reporting Act 15 USC 1681 in reporting information that I have no value and unfair to me the consumer, natural person and original creditor. 15 USC 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required. TRANSUNION has violated federal law 15 USC 1681 ( a ), 15 USC 1681 ( a ) ( 2 ), 15 USC 1681a ( 4 ), 15 USC 1681a ( 2 ) ( i ), 15 USC 1681a ( 2 ) ( b ), 15 USC 1681a ( 3 ) ( e ), & 15 USC 1681b ( a ) ( 2 ). Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) TRANSUNION is civilly liable for violating federal law I have exhibit along with notarize sworn affidavit of truth stating the facts inside and citing violations line by line. I also explain clearly on how I was violated and how the consumer report has attempted to harm my reputation and by reporting base solely on information between credit grantor and credit bureau not the original creditor which is a violation. My consumer reports has been unfair and harmful practices by TRANSUNION and I never gave them written instructions for accounts presented in my exhibits. Consumer has a right to privacy and my privacy has been breach by TRANSUNION. This credit bureau report has caused me and my family much stress and anguish due to the unfair practices from this corporation. Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) TRANSUNION is civilly liable invoice is attached.
Product: Credit card or prepaid card

I had utilized an offer to pay {$0.00} fees and interest when opening my first installment plan on my Chase Freedom Unlimited card through a My Chase Plan. I had opened the installment plan on XX/XX/XXXX and the offer was advertised as valid for any plans opened by XX/XX/XXXX, which was confirmed by a Chase representative at the time. However, Chase has added fees to this plan regardless and Chase reps are now claiming that the offer was not valid and confirmation that it was.
Product: Checking or savings account

So its still a year and Half and Bank of America is just now telling me that my account money is in a hold harmless account. Its always something new with this bank. Now it just feels like theft by bank 100 %. They have the audacity to tell me that transfers from somebody elses account who paid me money which is a 3rd party transfer is not the same as XXXX which is also a third party transfer. And looking into the Hold Harmless agreement of Bank of America led me to the servicing agreement on their website which states that transfers between one individual in their banking system and another individual in their banking system is very possible yet in my case they keep telling me its 3rd party. The funds do not have a court ordered lien on them and they havent been called back by their institution which my friends have stated to me on many occasions that the bank and system used to send me the funds was Bank of America. The bank know this, I know this and my friends know this. I even found on their website where they state funds can be transferred from one individual to the next via transfers within the system. Bank of America yet still keeps trying to tell me that Bank of America did not initiate these transfers when in fact it was done in their system. I even found proof on their website which I will be including in this report. They keep telling me they also sent me a check in the amount of {$1100.00} which I never received and they just keep telling me a different story every time related to this check and I have to wait 4 months at a time for a response. Now I feel some sort of prejudice is being done on Bank of Americas behalf in my case. Because Im a man of XXXX they feel that I didnt earn my money the proper way and its really feeling like a XXXX discrimination situation in this case.
Product: Checking or savings account

I opened my checking account on XX/XX/2022 under a promotion with following requirements : Receive a {$200.00} bonus when you set up a direct deposit. Must be set up within 60 days of account opening and receive 3 recurring direct deposits within 120 days. 
Get 10 % of qualified purchases up to a combined total of {$150.00} ( {$50.00} maximum per category ). The three categories are : groceries, online streaming subscriptions, and food delivery. 

For the direct deposit part, I met the requirements by maintaining 3 recurring direct deposits for XX/XX/2022 to XX/XX/2022. And based on the terms of the promotion, they said the bonus should be paid out around 120 days after opening the account, so on or around end of XX/XX/2022. 

I chatted with the bank and asked for the status. Their response was as below : " This member did not maintain their direct deposit through the 120 day tracking period of the campaign. Tracking went into XXXX, the member stopped receiving direct deposit in XXXX. According to the disclosure At least three recurring direct deposits must be completed w

ithin 120 calendar days of Enrollment and direct deposit must be maintained for 120 calendar days after Enrollment. The terms above about tracking period is not in the disclosure and is totally misleading. I was under under the intent of receiving the offer upon meeting the requirements all this time. Please look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED EXPERIAN, XXXX, AND XXXX - CREDITOR NAME IS XXXX XXXX XXXX XXXX, SENT ID THEFT REPORT, POLICE REPORT, PROOF OF IDENTITY AS YOU CAN SEE ATTACHED THIS WAS REMOVED/DELETED FROM MY EXPERIAN AND OTHER REPORTS XX/XX/2022, NOW IN XX/XX/2022 THIS ITEM IS BACK ON MY CREDIT REPORT THIS IS FRAUD AND IDENTITY THEFT, PURSUANT TO SECTION 605B OF THE FIR CREDIT REPORTING ACT HOW CAN THIS HAPPEN IVE ALREADY SENT ALL DOCUMENTATION PROVING IM A VICTIM OF IDENTITY THEFT, HOW RE YOU REINVESTIGATING SOMETHING ALREADY BLOCKED AND REMOVED DUE TO IDENTITY THEFT?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im complaining to you today to inform you I was the victim of identity theft. Per FCRA section 605b, you are required to REMOVE these items listed on my credit report. Please find the required documents to assist in the blocking of the erroneous information, unauthorized or items that dont belong to me which is being posted to my report. Account : XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. Please REMOVE this information from my credit report, pursuant to section 605B of the Fair Credit reporting Act and send the required notification to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters from XXXX without any resolution. My name appears incorrect after I have sent documentation proving who I am. My credit report shows information from XXXX  XXXX and XXXX that has not been verified to be accurate. My credit report from all three credit bureaus should be wiped clean due to all of the inaccuracies. I have several inquiries that are incorrect as well. 

XXXX XXXX XXXX Experian have not done there due diligence in protecting my credit report. When I question false documentation they do not rectify their mistakes.