23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XX/XX/2016 XXXX Fl XXXX TransUnion LLC Consumer Dispute Center XXXX, PA XXXX First Credit Account Number Num : XXXX Balance {$1400.00} Dear Sir or Madam, I am writing in regards XXXX XXXX account on my credit report. On XX/XX/2016 and XX/XX/2016 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
As of today XX/XX/2016 I have not yet received any correspondence from Trans union regarding this account. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Credit card

There's been a variety of issues. The first issues which we have let go at this point but figured we bring up is that we we initially signed up for the card they were offering a XXXX bonus points for signing up and completing some requirements. We only received I believe XXXX bonus points and when we tried to argue they brushed it off and never resolved the issue. They also stated it included waived cancelation fees, this was also inaccurate which we found out the hard way. The only reason I bring this up is because initially when we signed up they also told us that for the free check in bag benefit to apply, all we needed to do was use the card when making the reservation and that the card holder and his travel companions would receive a free check in bag. 

I've used my Jetblue card to book all my jetblue flights and now have continued to run into issues. At first when we called they said it was an issue on their end when they charged us for a bag because the card holder was on the reservation and shouldnt have been charged. Then it happened again and they brought up an issue stating that the XXXX account didnt match the reservation. I do not have a jetblue account and always ask my son to book my flights for me. I have been sending them emails trying to resolve the issue, as being on the phone has extremely long hold times. The customer service representatives continue to reiterate the same thing about the XXXX  account but dont answer my questions or address my concerns. Jetblue has continued to act in bad faith and have been very deceptive in their practices. We are looking for assistance in resolving this issue. 

The actual credit card company stated the same that the card holder need to be on the reservation but did not mention anything about a XXXX  account. 

Jetblue Case : XXXX Flight Date : XX/XX/XXXX Confirmation XXXX
Product: Credit card

Citibank called XX/XX/XXXX to tell me the payment mailed on XX/XX/XXXX was never received, so I made a payment over the phone. My statement showed a payment credited on XX/XX/XXXX and a payment credited on XX/XX/XXXX, which they told me on the phone paid full amount due. They then charged a late fee, creating an unpaid balance and charged an additional late fee in XX/XX/XXXX. I called and they said pay us {$42.00} and it will pay you in full through XX/XX/XXXX which I did. Then I mailed out XX/XX/XXXX payment so I would be paid a month in advance so they could n't play the late fee games again, clearly marked on the check and billing invoice XX/XX/XXXX payment. Instead, they credit the payment and bill me for XX/XX/XXXX again. Because I closed the account they will not allow me to make online payments, and they will not allow me to make a payment a month in advance. They are setting me up at the mercy of the postal service so they can claim late payments and charge fees. I made 2 payments in XX/XX/XXXX and 2 payments in XX/XX/XXXX because of their deceptive practices and I 'm still at risk of their charging me {$35.00} late fees.
Product: Debt collection

In accordance with the Fair Credit Reporting XXXX XXXX  ACCOUNT # XXXX, 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 as a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly ( 120 ) days late on XXXX XXXX. ( Please see attached spreadsheet with account number along with pages 7 13 of my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some suspicious accounts on my credit report that came back as verified by the credit bureau. I then asked for the method of verification [ ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ] which was received by the company and i never received the requested Documents which is a violation of my rights [ FCRA 611 ( a ) ( 7 ) ] pursuant to federal law these deceitful inaccurate accounts must be deleted for the violation of my federally protected consumer rights. accounts # XXXX, XXXX, XXXX, XXXX. these accounts are in violation of my rights and must be permanently deleted immediately.
Product: Credit card

I responded to an offer online with Chase. 
I have multiple accounts with this bank and impeccable credit XXXXI received a Chase Fairmont card - upon receipt I confirmed the bonus offer terms and if and when an annual fee was to be charged I was told there would be no fee until/ and was even given a date of XX/XX/2106. 

Well my first statement was received and with it was a {$95.00} fee
Product: Credit reporting, credit repair services, or other personal consumer reports

Quick Credit have been furnishing my transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Quick Credit is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting

do not receive timely credit alertsdo not receive fico credit score increase after significantly reducing credit debt usage ( paid XXXX credit card acts down significantly ) XXXX acts were : XXXX credit card on XX/XX/XXXXthXXXX XXXX credit card ( XXXX ) on XXXX XXXX and XXXX XXXX was informed my the fico credit score dept that my fico score would n't increase anymore past current score of XXXX due to my past negative acctsI adamantly disputed!
Product: Debt collection

They keep calling me while I am at work and I have asked them not to call me during working hours and they do not listen. They call me at least 5 - 7 times a day.
Product: Checking or savings account

In XXXX and XXXX I was having issues with Wells Fargo rearranging my funds so that I overdrafted and was charged late fees. I want to be included in the class action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to my last complaint XXXX Equifax failed to provide me with all documentation that I requested to show proof of investigation. 

I asked Equifax for validation showing documentation with any of the inquiry accounts bearing my wet ink signature authorizing an inquiry. Equifax also failed to provide documentation giving my consent to publish this information without my consent. If they did the proper investigation and contacted me before publishing they would have known I did not consent to any of these inquiries. Equifaxs reasons for putting these inquiries on my consumer report do not have anything to do with the laws previously stated in my original complaint. 

I would like to remind Equifax of XXXX XXXX XXXX Information Solutions Inc ( XXXX XXXX and XXXX XXXX  Equifax Information Services LLC ( XXXX XXXX  These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer, instead just took the debt collectors word. I have faith that your establishment will do the right thing and not have to follow in these steps again. If you do not provide proof the inquiries are valid through my wet ink signature then DELETE the information from my report. 
I expect a response within XXXX  days. If not I will expect that the items in question will be permanently expunged from my record. 

Inquiries- XXXXl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best regards, Done in good faith. Without prejudice. All natural alienable rights reserved. 
XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I just looked over my Credit Report and noticed 2 accounts that do not belong to me. Those accounts are XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I also noticed 3 hard inquires on my Credit Report that I never gave permission to pull my Credit Report. All accounts are included in my Identity Theft Report which is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act this creditor capital one auto finance has violated my rights. Under 15usc1681 section 602 state I have a right to privacy 15usc1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666b a creditor May not treat a payment on a credit card account under an open and a consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason, and can not help me to get it back to normal. I was informed the account will be limited permanently, and the balance will be on hold for XXXX. I will be able to withdraw the money to my bank account then. However, when I logged in my account one day, I was shocked because the money on my paypal account was taken by paypal without a notification and there is XXXX balance. That is definitely illegal and not fair. Because of the virus, I can not reach paypal agent, but I tried to reach them one day, and they can not tell me what happened and why the money was taken. I fell they can not do their job properly and it has effected by life seriously. My paypal email is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is showing an inaccurate debt reporting on my credit report from XXXX XXXX apartments in XXXX XXXX, GA. I have contacted XXXX XXXX  and the management company, XXXX XXXX XXXX, and spoke with a XXXX XXXX AND XXXX XXXX. Both state they have no knowledge of any account owed. I contacted XXXX XXXX  and was told to " stop talking '' after I told them they are inaccurately reporting an account that does not exist. The representative released the line in my ear after I told her I would not stop talking. I have filed a complaint with Top class Action Attorneys as I have located more than 100 complaints online in regards to illegally reporting and attempting to collect debts not owed. This will lead to a class action lawsuit that will help prevent this company from illegally reporting and collecting from individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Re : Unauthorized Credit Inquiry To Whom it May Concern : I recently obtained a copy of my credit report from my credit monitoring company, and it reflects two hard inquiries on my XXXX XXXX credit report. I have researched these with the reporting bureaus, and they are not linked to any open accounts that I have currently open nor in the past. They have stated that I need to dispute directly with our company. 
These inquiries were processed without my knowledge and were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
XX/XX/XXXX Synchrony Financial XXXX XXXX XXXX XXXX OH XX/XX/XXXX Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
I have sent this letter via CFPB website as it not only requires your prompt attention but reflects the attempts that I have made to resolve this issue. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I am requesting that you provide me with the original documentation showing identification used and authorized signatures within the 30 days as required by the FCRA. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX XXXX Last 4 of SS # - XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer file. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX  there should be no other information listed on my consumer file. XXXX keeps stalling my complaint by requesting my identification and social security card but each time I have attached this information to the complaint. This is my final attempt to get you to remove this information.
Product: Money transfer, virtual currency, or money service

XXXX ( XXXX XXXX ) listed a used unlocked XXXX XXXX XXXX XXXX for sale at {$55.00} with {$5.00} shipping but waived shipping if I paid through square cash app using debit card. I paid {$50.00} through cash app on XX/XX/XXXX but still have not received the item and seller is not responsive. He even blocked me from requesting a refund through cash app on XX/XX/XXXX. I have tried to contact him but to no avail. I have filed a complaint through Cash app and XXXX XXXX and am awaiting a refund for non receipt of merchandise.
Product: Student loan

I am under the Biden save plan. I pay {$0.00} a month. I am not supposed to be accruing interest. However, my loans have accrued THOUSANDS OF DOLLARS IN INTEREST. It shows I owe over $ XXXX now. I am not supposed to be charged any interest. I need MOHELA to take the interest charged OFF my student loan account ASAP. There has been 0 efforts on their end to contact me back or give me information I need. Every time I go on MOHELA, it says they do not have an account with me. But I receive mail from them regularly. So I cant even go on their online portal to fix the issue. I even type in my account # and they said they do not have an account with me. Yet they continue to send me mail.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX  XXXX XXXX XXXX - XX/XX/year>2023 XXXX XXXX XXXX - XXXX/XXXX/2023 XXXX XXXX  - XXXX/XXXX/2023
Product: Debt collection

This company has been calling my phone at least 3 times a day for more than 6 months. Every time this company calls me, they use a different phone number. They often use phone numbers that match my area code to get me to answer. Ive answered a few times to see what would happen but each time I answer, the company hangs up within 5 seconds without having said anything. They have never left a voicemail. They have also been sending letters to an old address of mine at least once a month regarding the debt owed.
Product: Credit reporting or other personal consumer reports

Jefferson Capital is reporting an XXXX account on my XXXX credit report that is paid in full... It is negatively affecting my credit profile resulting in denials of credit and unnecessary hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtor on XX/XX/2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting the inaccurate information to future creditors. 
This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Product: Debt collection

During the COVID-19 pandemic, my alleged debt with XXXXXXXX XXXX XXXX now held by Portfolio Recovery, was improperly placed into collections. The disputed amount is {$2300.00}, and the account was opened on XX/XX/year>. Despite my repeated disputes and requests for validation, the debt has been passed from one collector to another, resulting in persistent harassment and misleading collection tactics.

Portfolio Recovery has falsified legal actions, falsely claiming they would seize assets and sue me to intimidate me into payment. These misleading threats violate the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692e, which prohibits false or deceptive representations by debt collectors. 

I have repeatedly requested verification of this debt, including : A copy of the original agreement with XXXXXXXX XXXX  proving my responsibility for the debt. 
A full itemized breakdown of the balance and how it was calculated. 
Proof of any charges, payments, or penalties applied before the account was transferred to collections. 
Evidence that Portfolio Recovery has the legal right to collect this debt. 
Despite multiple attempts to obtain this information, Portfolio Recovery has failed to provide any supporting documentation, yet continues reporting this debt to credit bureaus. 

I formally disputed this account with XXXX, XXXX, and XXXX, requesting a proper investigation, but they have failed to conduct a thorough review. Their failure to verify this information violates : 15 U.S. Code 1681s-2 Responsibilities of furnishers of credit information 15 U.S. Code 1681i Procedures for resolving disputed accuracy 15 U.S. Code 1637 ( a ) ( 2 ) ( 9 ) ( A ) Requirements for disclosures related to credit extensions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mail and fax Transunion to remove old outdated obsolete incorrect information and they still have not done so referXXXX you closed the case still XXXX  XXXX listed on my account all three CRA and XXXX XXXX have copy of XXXX XXXX letter stating XXXX  XXXX does not own account and its not my account please remove personal -information 2 names not me,15 inquries I did not make, XXXX, XXXX XXXX not showing as protested I fax them the information again the 6th time now to remove it. this is and has been a violation of the FCRAeven under section 623 { a } { 8 } { 7 } they do not comply Section 611 No comply Section 609 No comply when to they get find for consumer violations I have protest now over 6 months shown proof that account are not mine but still there they are on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my vehicle on XX/XX/2020 and immediately Credit Acceptance Corporation was notified and XXXX  XXXX  XXXX took possession. There is some obligation between Credit Acceptance and XXXX that is operating outside of my deal to trade and the vehicle is still not paid off. The dealership states that Credit Acceptance owes them {$60000.00} so they refuse to send in a check to pay off the vehicle. Credit Acceptance states that dealer services is handling it ... they are not doing collection calls YET they reported me late to the credit bureaus dropping my score 109 points. The dealership also listed the vehicle within days so whatever issues they have with each other ... I am the one being negatively impacted. In addition I am owed a refund for a warranty service plan that Credit Acceptance mandates because I cancelled immediately on XX/XX/XXXX when they opened. I have a contract showing that this vehicle was traded in. Trust me if Credit Acceptance even thought I had this vehicle they would have shown up to repossess it. XXXX XXXX  XXXX is culpable also. Two companies that I hope to NEVER do business with again. Unethical, predatory and disingenuous is just a few words that describe these companies.