23daVinci/CFPB_Complaints huggingface dataset:
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 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.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I NEVER gave You or XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices.
Product: Credit reporting or other personal consumer reports

I noticed that my personal information was being reported incorrectly on my credit report. I am in the process of being employed and the employer is conducting a background check. Questions about my personal information were taken from my credit reports. In an effort to correct the inaccuracies on my credit report, I wrote letters with verification, which included my driver 's license ( DL ), paystub, social security card, and bill verifying my residence. I sent the letters in XXXX XXXX and XXXX. XXXX and XXXX removed the inaccurate information but Experian has yet to remove the inaccurate information.
Product: Credit reporting or other personal consumer reports

I have been contacting Experian and Transunion of over 2 years disputing the same accounts for same account removals, but the agency does not provide proof of license or proof the account belongs to me. Tranunion wrote back they could not read my letter sent certified mail with return receipt within 30 days. Accounts still show on my account and are impeding my ability to obtain business credit and approval for a new home loan. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX ( XXXX ) XXXX Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Account Closed. This account does NOT belong to me. Vendor must provide proof of a signed contract with my signature. It has been over 30 days. remove immediately Collection Agency XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX  {$250.00} - Account Closed Date Opened XX/XX/XXXX Account Closed. This account does NOT belong to me. Vendor must provide proof of a signed contract with my signature. It has been over 30 days. remove immediately Collection Agency XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Real Estate Date Opened XXXX XXXX, XXXX {$4700.00} Account Closed. This account does NOT belong to me. Vendor must provide proof of a signed contract with my signature. It has been over 30 days. remove immediately XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account Closed and out date. This account does NOT belong to me. Vendor must provide proof of a signed contract with my signature. It has been over 30 days. remove immediately
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the unresolved issue of fraudulent items account, despite multiple attempts to address it. 

The presence of these fraudulent items not only compromises my financial security but also erodes my trust in your company 's ability to safeguard my interests as a customer. Furthermore, the lack of resolution has caused me significant stress, inconvenience, and potential financial losses. 

I expect a prompt response to this complaint, acknowledging receipt and outlining the concrete steps that will be taken to address the issue. Additionally, I request regular updates on the progress until the matter is fully resolved. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XX/XX/2023 ; XXXX  XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; CXXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023.
Product: Prepaid card

On XX/XX/year> I made a purchase in the amount XXXX from vendor XXXX I cancel the order same day. They said 3-5 days for refund Netspend says the refund was giving back to me same day at 4 pm I have screenshots receipts and also can provide in my bank where it shows a money in tab with nothing added since XX/XX/year> I called Netspend on 3 different calls 1st rep - was working wit his supervisor and started the refund process the call dropped 2nd rep advised me to call XXXX again 3rd rep said I already got the refund and look in my tab on the bank app I advised her I was looking at the app as we speak and nothing was added since XX/XX/year>
Product: Credit card

I have been charged interest incorrectly by American Express twice in the last two months. I attempted to resolve this directly with them but they state they are correct.

1. On XX/XX/XXXX I was charged {$630.00} interest related to the XX/XX/year> statement. I attempted to make payment on XX/XX/XXXX but the payment was rejected due to insufficient funds. I immediately replenished the funds and was going to reattempt payment but was notified in email by American Express on XX/XX/XXXX that they would attempt to re-apply the payment and Theres no need for you to make a new payment at this time. So upon advice of American Express I did not re-attempt. The payment was finally made by them on XX/XX/XXXX ( 1 day later ) and I was charged interest of {$630.00}. I called three different times to complain and have it removed - stating that I was going to reattempt payment but they advised not do - and now I am being charged interest for following their request. They refused to acknowledge they were at fault and said interest was still due, but they did waive the late fee. How could this be right? I made every attempt to pay on time in full but they confused the situation and now I end up paying the interest on it? 

As a result I switched to auto pay immediately to avoid any future issues. 

XXXX. Related to # XXXX, on XX/XX/XXXX I was charged {$480.00} interest. This XXXX statement was paid in full on time on XX/XX/XXXX. So naturally I was frustrated why there was interest being charged again. I chatted with American Express on the app to resolve and they claim it is Residual Interest due from the issue in # XXXX. But they could not however explain how it was being calculated. I asked them repeatedly to explain the math but they could not. They only referred to me to my agreement. How can someone charge interest but not have to explain it? And this is truly confusing and referring someone to a complex agreement to do the math themselves seems flat out wrong - especially when I explained they are wrong. 

Please help me resolve this, I paid on time or attempted to pay on time with American Express but they manipulated the situation and now I am bearing interest and they cant even explain how its being calculated! 

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

I have been trying for years to remove account number XXXX XXXX  XXXX off of my credit. I reached out to the company the refuse to remove the late payments on the account. I then ask for the company to send me my payment transactions. According to XXXX XXXX file my first late transaction was XX/XX/XXXX which mean this should have been removed for my consumer report as of XXXX, but according to XXXX XXXX, Experian, and XXXX my first late payment was in XXXX. I have reached out to all three Credit reporting agencies about this account and they all have been responding that the account is accurate and verified. I even request for each credit agency that stated these items were accurate to send me proof of their investigation for my dispute. According to 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I have never received anything and I guarantee that they have not reached out to my neighbors, friends, family, or associates. This is why either of the three credit reporting agencies send me the documentation that I requested. Due to XXXX XXXX not reporting accurately and XXXX XXXX, Experian, and XXXX not doing a proper investigation according to the FCRA, I believe XXXX XXXX and all three credit reporting agencies ( XXXX XXXX, Experian, and XXXX ) deliberately tried harm me. Because of this I have been denied credit, charged high interest rates, and also suffered for a low credit score for 2 years longer than I should. I am a consumer and I have rights and these companies has violated most of them if not all. This is discrimination, defamation of my character, and I am sure much more once I reach out to a lawyer. I dont believe the consumer reporting agencies have my best interest and now they have proven that their companies are not trustworthy and have not been investigating disputes properly according to FCRA XXXX If this happened to me I can only imagine how many other consumers are affected by this. I am requesting that all late payments, collections, and hard inquiries to be removed immediately. I am attaching documents to prove my statement is accurate and intact is true.
Product: Debt collection

I received a letter from Security Credit Systems , INC. ( SCS ) regarding an alleged debt from my university. I had received a letter from them about a year ago indicating that they were servicing this debt. I contacted them in order to gain more information into thi alleged debt. The CSR was very rude, very aggressive, and very impatient. I was attempting to gather the basic information surrounding this debt, however, he was very aggressive and uncooperative in getting me this information. He and I had unpleasant words and he ended the call. I attempted to call back numerous times in hopes of getting someone different or someone I could more easily connect with, but the operator advised that they were blocking my calls. Even when I called from a different number hoping to get someone with a cooler head, I was still blocked. I did not receive any communication from SCS for over a year or so. I then got a letter from them with the body in all capital letters suggesting that if I did not pay them, I would face repercussions such as being ineligible for a credit card, car loan, mortgage, or personal loan. They also advised that a " good credit rating is essential '' in order to acquire these types of trade lines. I have attached the written correspondence letter I received below.
Product: Debt collection

Dear [ Creditor 's Name ], I am writing to formally dispute a debt that you claim I owe, as per your communication dated [ insert date of communication ]. I believe this debt is inaccurate and am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ).

Under 15 U.S. Code 1692 ( g ), I am entitled to request validation of the debt, including the original creditor 's name and the amount owed. I kindly request that you provide me with this information within the statutory timeframe.

Furthermore, as per 15 U.S. Code 1692 ( c ), I am requesting that you cease all collection activities until you provide the necessary validation. This includes any reporting of this debt to credit reporting agencies. 
Please acknowledge receipt of this letter and respond with the requested documentation to validate this debt. 
Thank you for your attention to this matter. I look forward to your prompt response. This is what I sent to dater
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an ongoing Identity theft Issue with fraudulent accounts and unverified accounts still appearing on my credit report after they were reported as identity theft via a police report and FTC report. There are numerous accounts being inaccurately reported in addition to the fraudulent accounts not being removed after numerous attempts to do so. XXXX, Transunion, and XXXX are violating federally protected consumer rights by reporting fraudulent and unverifiable information as accurate with no proof of the method of verification being provided.
Product: Checking or savings account

I have chime account amd.it is hacked they started taki.g out XXXX cents for XXXX XXXX n them they are taking money from my checki.g n putting it in my credit builder amd then taking it
Product: Debt collection

Columbia Collections is on my credit report for unknown reasons. I have never agreed to do any business whatsoever with this company or any company that they represent.

Furthermore, this involves a supposed medical debt and it is a HIPAA violation for a medical provider to give medical info about me to a 3rd party, such as Columbia Collections.

If the medical provider believes that I owe them a debt then they need to collect it themselves. I never agreed to do any business whatsoever with Columbia Collections.
Product: Debt collection

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX  refuses to provide me with documents their company allegedly has on file that was used to allegedly verify the accounts i disputed. Being it has exceeded 30 days and they can not and will not verify these accounts under 611 ( 5 ) ( A ) of the FCRA. Please resolve this matter as soon as possible as it is gotten me denied credit on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my report and found unauthorized accounts being reported to my account. I am a victim of identity theft, I did not open these accounts.
Product: Checking or savings account

My son had a XXXX  account with Wells Fargo. He received notifications on his phone that new recipients were added to XXXX on a XXXX  XXXX. We checked his account when he noticed and all his funds had recently been transferred out of his account. We called the bank immediately to complain and alert them of the potential fraud. The transaction was still flagged as pending given that it happened on a XXXX 

Wells Fargo took our report and promised to investigate. They conducted their investigation and decided that the transaction was valid since according to them it was initiated from an authenticated device. No evidence was provided of this being the case or explanation of how that could happen if my son didn't initiate the transaction. They told us that the determination was final. Total loss was {$360.00}.
Product: Debt collection

MY RESPONSE TO COMPANY RESPONSE my name is XXXX XXXX XXXX  false information on my credit report I noticed today XX/XX/XXXX IT IS NOW XX/XX/XXXX I ask please to DELETE and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX Balance details 0 % paid off Balance {$660.00} Balance updated XX/XX/XXXX Original balance {$660.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$660.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Company Contact info Account Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST TWO LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT
Product: Debt collection

The balance on this account was supposed to be cancelled because the couch they sold me and charged to this account fell apart. They refused to honor the warranty they also charged me for. The couch was not fit for the purpose for which it was sold. The XXXX XXXX would not even take it because they would not be able to fix it so I had to pay {$300.00} to have it taken away. 

Nevertheless, XXXX XXXX has refused to credit back the account. They have also refused to stop taking payments out of my checking account. 

In sum, XXXX XXXX sold me a faulty product and a warranty on it that cost me more money and then refused to replace or repair the product and continue to charge me for it.
Product: Credit reporting or other personal consumer reports

I contacted XXXX ( Freedom Plus ) to inquiry about my request to get information on a possible loan. The system required me to call in to further request more information regarding my current situation. I spoke with an XXXX representative on the phone with me and my spouse looking for options. The representative did not disclosed to us in the process that we will have to do a hard pull on our credit nor did I sign or submit documentation of consent to this pull. The company verified my email. Nevertheless, the representative stated I would receive a call back because they were having problems with their system. I never received any communications on my what was done with my information. It was improperly used without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. The loan was open on XX/XX/XXXX. The company continues to furnish incorrect data on the credit report. The company was informed of the vehicle location. The company failed to retrieve the vehicle. Negative reporting continues to affect the credit file. XXXX XXXX XXXX was high in miles. Made company aware of Mechanical Difficulties. The company failed to return phone calls or retrieve the vehicle. The company continues to furnish information on the credit profile. The vehicle was resold, and no disposition was sent to the address. The violation of the credit reporting act FCRA and XXXX, the company continues to be non-compliant., Requesting a re-investigation compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Acct # xxxxxxxx To Whom It May Concern : Dear XXXX XXXX , & TransUnion This letter is in response to your recent claim regarding Acct # xxxxxxxx, which you claim I have errors, charge offs, fraudulent accounts on my credit file. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and this company appears as derogatory, there is no address or phone number I have never had any dealing with this company. 

This appears on XXXX XXXX TransUnion XXXX XXXX XXXX -- Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2020 I have never seen any XXXX at this institution or do I have any XXXX  problem. 
How is it possible for anyone to make false claim against my account and what is the consequence for doing so. Please investigate and advise. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted CREDIT ACCEPTANCE CORPORATION back in XXXX  to have them remove the incorrect information that's hurting my credit report/score and my ability to obtain a new car loan. And further my credit building progression.