23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Around XX/XX/2020 I made a purchase for XXXX on my credit card. I called the merchant on XX/XX/XXXX to ask if they could refund my money sense I didnt get to eat at there restaurant because they had to cancel because COVID-19. Plus the Mayor shut down the restaurant.She first said no. 
So I called my credit card company and explained the situation they said that they will w refund me XXXX and other fees associated with the purchase.So the credit card refund me. 
I asked if I could use the funds.The credit card company said I could use the funds. 
I had to close the old card and they sent me a new card. I received the new card and tried to make a purchase and it declined. 
I called the credit company again on XX/XX/20. 
I asked them why couldnt I use my card when I have the available credit on there. Plus I said I have the new card. The representative said that I cant because they are researching. 
I explained to them that I have a letter from the merchant who stated she was refunding my card around XX/XX/2020. 
All I want is to use my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a notice of collection dispute to XXXX and Transunion reporting agencies regarding fraudelent information reported to them by XXXX XXXX. XXXX did not return the XXXX XXXX I mailed to them, as required by the US Postal Service- a paid service. However, they noted on my credit report the following note " Between XX/XX/XXXX and XX/XX/XXXX the following remark was removed from this account : Consumer disputes - revinstigation in progress. '' At the same time they also added a note that the account I disputed has been updated to " Charged off acccount, fixed rate ''. 

XXXX. ) XXXX failed to contact me with information indicating the false account has been successfully proven by the creditor. 

XXXX. ) As I shared with XXXX, the creditor XXXX XXXX has been submitting late payment information for the past XXXX years. All the while knowing the vehicle has not been in my possession since XX/XX/XXXX. There is a note on the report that indicates the last last payment was XX/XX/XXXX - this is false- the vehicle was not in possession. Further, why is XXXX reporting late payments as of XX/XX/XXXX while noting the last late payment was XX/XX/XXXX? 

XXXX. ) Further, the creditor is claiming a loan amount of {$9700.00} due to them. This is also false as the loan amount was not for that amount. I DO NOT owe this XXXX XXXX {$9700.00}. 

XXXX. ) Due to this false reporting on the part of the creditor, I requested the account be completely removed from my credit report. 

XXXX has closed the investigation, per notes on my report without completing the investigation nor removing the fraudalent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters regarding unknown information in my credit report to the bureaus. It has been 30 days, but they did not send me any response or results.
Product: Debt collection

I received a note from my administrative assistant stating that their firm Performant had attempted to contact me multiple times and needed me to call them back. When I called them back it was confirmed that I have NO account with them and they asked for contact information on someone I know.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/year> Preferred Credit Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Tender of Payment and Notice of Late Payment Reporting under 15 USC 1681s-2 Dear Sir/Madam, I am writing to formally tender payment for the amount of {$7100.00} which was due on XX/XX/year> for the account XXXX. I am aware that the payment is late, and I sincerely apologize for any inconvenience this may have caused.

Tender of Payment : Please find enclosed a payment of [ Amount ] for the above-mentioned account. This payment satisfies the outstanding amount as of [ Date ]. According to 15 USC 1681s-2 ( a ), I have fulfilled my obligation to notify you of the payment made and expect that this information will be accurately reflected in my credit report.

Notice of Late Payment Reporting : Additionally, I request confirmation that the receipt of this payment will be reported to the credit bureaus in accordance with 15 USC 1681s-2 ( a ) ( 2 ). It is crucial that this account status is updated to reflect the current payment status and that any negative information resulting from this late payment be reported accurately and promptly. 

As per the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 ( a ) ( 1 ) ( B ), furnishers of information to consumer reporting agencies are required to promptly update and correct any inaccuracies. I trust that you will handle this matter with the urgency it deserves to prevent any further negative impact on my credit report.

Please confirm in writing the receipt of this payment and the actions taken to update my account status with the credit bureaus. Should you need any additional information or documentation from me, do not hesitate to contact me at the above-listed phone number or email address.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC
Product: Bank account or service

There were charges for overdraft fees when I had enough money in my accounts to cover all bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX {$160.00} ENHANCED RECOVERY COMPANY XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXX SERVICES XXXX XXXX XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$560.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} ENHANCED RECOVERY COMPANY XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX ADDRESS {$0.00}
Product: Credit reporting or other personal consumer reports

I traded my previous car ( XXXX XXXX XXXX ) in with XXXX for another car. The dealership told me that they would take over the existing payments on the previous car and I would start a new lease on my current car ( XXXX XXXX XXXX ). It turns out they did not take over the payments/the outstanding amount on my previous car and I was never notified until it hit my credit report. When I called the company to dispute it they were not helpful. I ended up paying the amount off as soon as I realized what had happened and tried to resolve it with XXXX. I was told the salesman and finance XXXX that had helped me with the transaction no longer worked there so there was nothing they could do to help me. When I disputed this previously nothing was resolved. I have never once been late on a payment and was never given a chance to pay prior to hitting my credit report.
Product: Credit reporting or other personal consumer reports

debt was paid in full with agreement to delete from credit reporting. it is reporting falsely.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Records are still outstanding to this dispute and act or action of FRAUD. 

To Whom This May Concern : I need a formal written communication letter from XXXXXXXX XXXX XXXX legal department showing that such regulations in the XXXX XXXX XXXX Credit Bureau where they have such rights to impose upon credit cardholders the rights to obtain such Internal Revenue Reports on consumers under Form 4506-C. A Form 4506 has nothing to do with a credit card dispute or a credit file inquiry. If such does produce such regulations stating such. 

I too need the Department of Veteran Affairs Form received completed and signed off on under such record verification process. VA FORM XXXX XXXX XXXX I signed off on and consented to receive such records before making a charge to any credit card on file or record. Where are those records under such signed authorization? All records must be dated before charging such a credit card on file and such reporting to the credit bureau as a line of credit extended or authorized by the cardholder. Where are such official and legal records? I need such official records that should show and tell anyone or everyone, that I am responsible for something that I never authorized. XXXX has nothing to do with my Income Tax Return and to have such business in sending me some Form 4506-C. XXXX XXXX XXXX Legal Counsel is requested as requested before to cause this matter that is still not solved to this date. 

These records are still missing from the Consumer Financial Protection Bureaus System in nature to the event and activities conducted from XX/XX/XXXX XX/XX/XXXX under credit card number ending in XXXX. Where there is a charge, there are official and legal records. 

I need these records attached under an official and legal signature from someone in the legal department that you should have by now. I need these records under your next response for the records... 

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

I sent the complaint and supporting documents to this CFPB via U.S. Post Office on XX/XX/2022. I have tracking information for that mail indicating it came to this office.
Product: Credit reporting

On XX/XX/2016, I disputed the SYNCB/JC PENNEYS account on the Equifax credit bureau, account number XXXX. I was but am no longer an authorized user and I want this account deleted. Equifax responds by reporting this account as a " reinvestigation '' which is not accurate as this was the first investigation. I called Equifax about this and they said there is nothing that they can do and refused to help me delete this authorized user account or change the dispute wording.
Product: Debt collection

On XX/XX/XXXX, I paid a debt through GC Services Limited Partnership in the amount of {$500.00} to the XXXX XXXX - XXXX. That was over 8 years ago. Today, XX/XX/XXXX, I receive a letter, dated XX/XX/XXXX, stating that debt is delinquent. Isn't there a statute of limitations of 4 years? How many people are being asked to pay an 8 year old debt? How many people can prove they paid that 8 year old debt? This seems highly unethical. The letter is threatening, stating, " You have 30 days to voluntarily pay ... .before we submit your account to the XXXX XXXX XXXX ( XXXX ) for interagency intercept collections. 

GC Services Limited Partnership XXXX XXXX XXXX, TX XXXX XXXX
Product: Mortgage

I initially filed a complaint XX/XX/XXXX as CFPB ignored the issue and allowed WF to spend another 30 days to respond after Im already 30days past due in XX/XX/XXXX, I have not received WF response as its been 45 days-XXXX refused to assist me and refused to place me in a plan. NOW I AM 90 days past due in 2 days. WF set this up for me to fail, with intent to foreclose on my home. After XXXX weeks in on my complaint, WF ASKED FOR another 30 DAYS, cfpb ... .why would u give them 2 MONTHS TO SIT ON THIS to say we did everything properly by law to COVER THEIR MISTAKES, but continue to have " multiple '' class law suits every year!!!? why would THEY NEED ADDITIONAL TIME AS THEY ARE DOING ABSOLUTELY nothing BUT A SET UP TO FAIL IN WHICH LET ME REMIND YOU CFPB ... class action XXXX illegal foreclosure, add me to the suit including reimbursing me for all the damages, set up to fail repeated VIOLATIONS and their incompetence errors, responding to escalation : XXXX who called me asking about XXXX acts and act numbers when he could have done the research but hes too lazy and incompetent to do his job including XXXX, low down and rude refused to place me in a XXXX  agreement, WF OWES ME for the multiple violations and treating me unfairly for AGAIN another modification and set up for foreclosure, in 30 days they will tart foreclosure, then respond to you on how they can take my property. DO I NEED TO CONTACT HUD AND FILE A COMPLAINT against CFPB for AGAIN taking up for WF and allowing them to treat me unfairly?? The multiple glitches never corrected? WRONGFULLY Foreclose HOMEOWNERS, hERE WE GO AGAIN AS im A victim! this lien should be free & clear or if anothing 6 months no payments. Receiving THESE USELESS LETTERS, NO RESPONSE FROM XXXX, XXXX and XXXX! SEE DOCS ATTACHED. CFPB are you waiting for WF to WRONGFULLY Foreclose on my home in the next 30 days ... due to failing to offer or assist me during hardship on fha LOAN?? /as this is exactly what's happening AND YOURE BUYING TIME IS UNNACEPTABLE! i WILL FILE A COMPLAINT AGAINST YOU cfpb AND wf TO FHA HUD TOMORROW, YOU CAN COUNT ON IT. sitting on this giving WF more time is unacceptable, time for what?????? what do they need time for?????
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 90 unknown/fraudulent inquiries on my Equifax credit report. I recently read an article that mentioned how Equifax failed to provide accurate scores for consumers. After careful review of my report, I notice DOZENS of inquiries that I never even authorized. Any recommendations would be greatly appreciated. My credit score has already caused me a great deal of financial loss. Monetary compensation has not been offered, so I am simply requesting a clean report as a result of the multiple violations that will go unpunished. Delete all information shared on my report. This ordeal has almost ruined my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

my.equifax.com online dispute center is reporting error : " System temporarily Unavailable We are sorry, our online system is unavailable at the moment. Our consumer care team is ready to assist you with that. Please call us at XXXX between XXXX XXXX until XXXX XXXX  EST, seven days a week so that we can help. '' Upon contacting their customer service I was unable to get any information or help with this issue. 

The site has been down since I attempted to submit a dispute 3 days ago and again 2 days ago. 

This dispute center appears to have been down for several days and I have no mechanism to dispute the numerous inaccuracies on my equifax report ( I do not have this issue with XXXX who has since corrected many of these issues )
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX XXXX XXXX XXXX ACCT XXXX 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 A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed I have XXXX late payments on an account that I was never late for. The account was on autopay. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account listed below with screen shots and dates. 

XXXX Account Name : XXXX XXXX XXXX XXXX Reported balance {$2500.00} Dates reported late XX/XX/XXXX and XX/XX/XXXX ( Due to a bank Issue ) Date of last payment XX/XX/XXXX Past due amount {$59.00} Account status Not more than XXXX payments were reported as past due incorrectly Date Reported XX/XX/XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to be paid as agreed on time as they should be since I was never late. Thanks. Please see attached XXXX. Account Name : XXXX XXXX XXXX : XXXX Dates reported Late Incorrectly XX/XX/XXXX and XX/XX/XXXX Agent Mistake at XXXX
Product: Credit reporting or other personal consumer reports

i've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to the following account below : XXXX Acct # XXXXXXXX XXXX Acct # XXXX In accordance with section 602 an of the Fair Credit Reporting Act ( 15 USC 1681 ), `` There is a need to ensure that consumer reporting agencies exercise their serious obligations with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am the consumer, and XXXX are consumer reporting companies. According to 15 USC 6801, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information, '' I have the right to ensure that my private information isn't shared. A financial institution is one that " ( Furnisher information to credit agencies ) is by definition under that designation. According to section 2 of subsection ( a ) of section 604 of 15 USC 1681, " In general, any Consumer reporting agencies may only provide a consumer report under the following conditions : in line with the consumer to whom it relates explicit instructions. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting companies XXXX do not have my consent to provide this information, and they most definitely do not have my written consent. All consents, whether expressed orally, nonverbally, in writing, implicitly, or otherwise, to XXXX ( Furnisher of information to credit agencies ) are canceled. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party without first providing the consumer with instructions on how to exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never made me aware of my option to withhold information. Furthermore, according to 15 USC 1681C ( a ) ( 5 ), " No consumer reporting agency may make any consumer report that contains any of the following items of information, except as authorized under subsection ( b ) Any other adverse item of information, other than records of convictions of crimes that predate the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX does not follow reasonable practices. A consumer may exercise their right to opt out at any time, according to 12 CFR 1016.7. I choose not to use your reporting services and opt out of them.
Product: Credit reporting or other personal consumer reports

My credit file is blank. I tried to pull it up and I get an error or technical code BLNK I can see no information on my file. My credit file is completely gone. Can you please help me retrieve my information. I currently have active disputes going on as well so with my file being gone Im not sure if that will still be disputed or if my credit payments updates by creditors be updated as well.
Product: Credit card or prepaid card

I made an XXXX purchase on XX/XX/20 for Order XXXX for {$310.00}. I returned the item for full refund on XX/XX/20 and it was confirmed delivered by XXXX on XX/XX/20. XXXX never refunded me and wasn't cooperative so I filed a chargeback dispute with Discover Bank to get my money back. Discover is inept and refusing to properly handle the dispute and get my refund. I'v submitted a wealth of proof that the order was returned and that XXXX has failed to refund me. Discover is automatically siding with XXXX and refusing to issue my credit as permanent.
Product: Debt collection

On approximately XXXX 2016 XXXX & XXXX billed me {$1100.00} for unsolicited services for cell phone and tv usage which I never approved. After calling XXXX XXXX XXXX and spending many hours on the phone disputing the charges, I canceled all of my subscriptions ( cell phone, internet and tv ) after they said they would not be willing to credit any of the erroneous charges. A year goes by and now I have started getting calls from a debt collection company trying to collect this debt. I never authorized the charges and after finding out XXXX XXXX XXXX has been in several lawsuits for frivolous charges like mine, I would like the debt removed and my peace of mind restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I submitted a dispute with Equifax, and they investigated, as is my right under FCRA rules, on XXXX XXXX, XXXX, I requested information on the investigation itself : Please see attached letter from me to Equifax for details. They ignored my request. So on XXXX XXXX, XXXX, I sent them a letter ( attached ), informing them of my intent to file a claim with the FTC. They ignored this letter also. I am now filing a claim with the CFPB, which has been designated by the FTC as the agency with which FCRA violations should be filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed the companies a hard inquiry removal letter on XX/XX/2020 with companies that I did not recognize on my credit report and when I call the companies to see if the have received the letters they stated they did not receive them. I believe this to be false and would like to your company to file a report also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received in the mail bank cards from 2 on line banks ( XXXXXXXX XXXX and Axos ), I have never applied for a card at either bank.