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

This is a follow up to complaint number XXXX. Though ExperianXXXX did called me and said they were sending my consumer disclosure I never received this. I indicated this several weeks ago when the above complaint was closed. I asked them to plz forward another copy. 

This is my 4th request. 

Many thanks!
Product: Checking or savings account

Good morning My name is XXXX XXXX XXXX on XX/XX/2020 XXXX I called Wells Fargo to report a lost or stolen debit card and disputed a unauthorized charges with debit card of mouth XXXX was on that time the unauthorized charge was pending Wells Fargo saying going to call XXXX XXXX to canceled the charge On XX/XX/2020 Wells Fargo send a latter says I did the charger was ma make by me because the use my name explaining the charge was done on XXXX XXXX   online and I did a police report because I did not make any purchases online or person and the card was lost or stolen.
Product: Debt collection

I received an email from XXXX XXXX a representative of XXXXrueAccord a debt collection agency on XX/XX/2023. The next day I saw this email on XX/XX/2023. The email was an offer to pay the balance of XXXX off in total at a discounted amount of XXXX. I processed a payment by debit card the same day XX/XX/2023 for this amount and received a message from TrueAccord stating it was paid off in full on XX/XX/2023 and further attempts to collect on the debt would cease. I have screen shots and a bank statement I can provide as proof of the offer, the transaction completion and bank statement records. Later in the this month I received a message from XXXX & XXXX XXXX XXXX XXXX. This is another debt collection agency stating the balance owed is still XXXX. I received this email on XX/XX/2023, upon receiving the email I immediately contacted the company at the phone number provided ( XXXX ) XXXX in the email. I spoke to a XXXX XXXX who is a floor manager. I explained the situation to him and we had several email messages back and forth following the call. I sent screenshots of the confirmation of payment made and the offer from TrueAccord. He stated that the offer I received on XX/XX/2023 was only valid for that day, however there was no indication of this in the email and certainly not when I processed the payment and received confirmation the debt balance was paid in full. XXXX XXXX then sent me a offer letter with the original balance of XXXX discounted to a pay off amount XXXX. So according to their records there was never a payment made which makes no sense. He stated the offer he sent was only valid up until XX/XX/2023. This entire situation seems unprofessional as I processed the payment and received confirmation the balance was paid and collections would cease. I have not received an explanation for where my funds paid on XX/XX/2023 were applied from XXXX XXXX.
Product: Checking or savings account

On XX/XX/year>, I transferred {$26000.00} to my savings account at Citibank. Following a prolonged and arduous ordeal with Citibank, they opted to close my accounts, citing business activity in personal accounts as the reason. However, they have chosen to segregate the funds transferred from XXXX in XXXX into a subledger. They have instructed me to contact XXXX to initiate a hold harmless claim against Citibank to retrieve my funds back to my XXXX account. Currently, I've asked XXXX to initiate a hold harmless claim on my behalf for {$24000.00}, or alternatively, to provide guidance on the subsequent steps. This issue has persisted since XXXX. The entire ordeal of account closure and fund release has been incredibly troublesome, and now Citibank refuses to issue a check for the remaining funds. They have no justification for withholding my funds without cause. This process has been draining and burdensome. I'm considering whether I should hire a lawyer to pursue legal action against Citibank. They have no grounds to retain my funds unjustly. It's not my responsibility that their compliance department lacks understanding of proper investigation protocols and fails to accurately assess risk. Moreover, Citibank shouldn't detain clients ' funds due to the incompetence of its employees during an investigation. With two decades of experience in banking, particularly in compliance, I assert that Citibank has no grounds to withhold my funds for five months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just viewed an updated score for my equifax credit report. Equifax removed 3 accounts that are in good standing which in turn caused my credit score to drop again. I dont no why equifax is removing positive accounts off my report. The accounts are XXXX XXXX XXXX   and my 2 XXXX  XXXX credit card accounts.
Product: Debt collection

My credit score with XXXX XXXX, And XXXX  have gone done since Sequiem Asset Solutions has placed a debt with no attempt to inform me that it would be affecting my credit score, Under what law and I do need these companies to quote the law, does XXXX  and XXXX  and XXXX and sequiem sollutions have, in other words what gives them the legal right to keep placing a account in the credit reports? Please the law and its explanation not a blanket statment stating you mailed, XXXX  and XXXX and XXXX, can you guys please answer what legal right? I can not find it under fcra/
Product: Checking or savings account

My account always shows pending Transactions. Ill assume the money have been taken out. Then I later get charged with over draft fees. I deposit funds into my account and they take my funds out my account and put it towards my credit card payment which they already sent me to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXXXX/XX/2022 ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

bank of america and XXXX XXXX  XXXX violation of my right reporting inaccurate info and not letting me into my online bank account
Product: Mortgage

Requested modification in 2011, Wells Fargo did give it to me however they did not accept my last payment which put me in forclosure
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 168. 

Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXXXXXX XXXX Account Number - XXXX  Account Name - XXXX XXXX Account Number - XXXX Account Name - USAA SVGS BK Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXXXXXX XXXX Account Number XXXX Account Name - XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXX XXXX  Account Number - XXXX Account Name - USAA SVGS BK Account Number - XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish any account without my written consent. 

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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: Debt collection

I was contacted by XXXX XXXX XXXX on XX/XX/year>, asking me to call them back. On XX/XX/year>, I called back regarding my debt. I was told that they have reached out to my father multiple times, and upon talking to my dad, he shared that they have been calling him almost every day. I have asked XXXX to not contact my dad multiple times, as he is not in charge of my medical debt.
Product: Credit reporting

On XXXX XXXX, XXXX, after canceling my services with XXXX, I boxed up the equipment and took it to the Post Office to return it. The Postman saw where it was going and told me to be sure to keep my receipt as he had heard a lot of complaints from people who say XXXX never acknowledges receipt of returned equipment. 
On XXXX XXXX, XXXX I received a letter from XXXX stating they did not receive the equipment. I explained it had been shipped back and they should be receiving it shortly. 
According to XXXX Proof of Delivery the package was received on XXXX XXXX, XXXX On XXXX XXXX, XXXX I received a letter from a collection agency, XXXX. XXXX, XXXX as XXXX had sent the account to collections 16 days after they received the equipment. I immediately notified the collection agency that I disputed this and sent proof of deliver to them as well as to XXXX. 
I thought this had been resolved, but approx. 3 months ago I found it listed as a " collection account '' on my Experian report. I sent in a disputer letter to Experian. 
I was recently denied a mortgage refi as XXXX still had this listed with Experian as a collection account. I believe the reputation XXXX has with the Post Office personnel is accurate. They do not acknowledge receipt of equipment returned and cause their former customer undue grief by having to " prove '' they returned the items. And even then, they do not correct their error. The costly effects of inaccurate credit reporting causes hardships and stress on people and XXXX should be held accountable for this. I am requesting assistance with getting this removed from the credit agencies and would like to see an investigation into how many others XXXX has harmed. I am attaching the following copies : Drop-Off Package Receipt Proof of Delivery Letter from XXXX Letter from XXXX XXXX XXXX Thanks, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX acct # : XXXX I am writing to formally file a complaint regarding persistent inaccuracies and incomplete information on my credit report held by Equifax. Despite assurances of account " verification '' and accurate reporting, the data remains incomplete, inconsistent and inaccurate across the credit bureaus. Additionally, my previous request for original documentation, including signatures, contracts, and details about the verification process, has gone unanswered, thereby violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a comprehensive investigation. 

Contrary to claims of a thorough verification process, the following discrepancies persist on my Equifax credit report : XXXX Credit limit : No information reported. 
XXXX. Amount past due : No information reported. 
XXXX. Date of last activity : No information reported and discrepancies across the XXXX bureaus, Equifax and XXXX. 
XXXX. Deferred payment start date : No information being reported. 
XXXX. Balloon Payment date : No information being reported. 
XXXX. Scheduled payment amount : No information being reported. 
XXXX. Charged-off amount : No information being reported. 
XXXX. Date closed : No information being reported. 
XXXX. Date Last Active : Discrepancies across the XXXX bureaus, Equifax and XXXX. 
XXXX. Payment History : Discrepancies are noted across the XXXX bureaus, Equifax and XXXX. For the months XX/XX/2017 thru XX/XX/2017, there is no data being reported for Equifax. XXXX, on the other hand, has me listed as current with payments for those same dates. This information is inconsistent, incomplete and inaccurate, contradicting the earlier claim of a thorough investigation and verification. Also, this account seems to still be reporting when it has been closed/charged off years ago. 

Attached are screenshots from Equifax and XXXX showing the incomplete, inconsistent and inaccurate information being reported. 

The inclusion of inaccurate information on my credit report has severe consequences for my creditworthiness and financial well-being, leading to unjust credit denials. I am dedicated to ensuring the accuracy of my credit report and insist on the prompt correction of these inaccuracies. 

Despite previous assurances of a thorough investigation, the reported information remains inconsistent, inaccurate and incomplete. Instead of requesting a re-investigation, I am demanding the removal/deletion of this account from my Equifax credit report. 

Enclosed, please find supporting documentation highlighting these inaccuracies for your review. 

Thank you for your attention to this matter.
Product: Credit reporting

I sent a certified letter to Equifax on XX/XX/XXXX and it was signed for on XX/XX/XXXX. This can be verified in usps certified letter tracking # XXXX XXXX XXXX XXXX XXXX. In this letter, i requested Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. XX/XX/XXXXi, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
As of today, XX/XX/XXXX, I have recieved no response, nor has the items disputed been removed from the account. Equifax has now broken the law by not following Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg, Section 611 ( a ) ( 5 ) ( A ) ( i ). and FCRA 15 U.S.C. XX/XX/XXXXi
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XX/XX/23 This letter is in response to your claim XXXX XXXX  has verified that the account that they are reporting is accurate. Please be advised that I have sent in a letter requesting a method of verification. Transunion has not responded. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) and ( 7 ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. Regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit card or prepaid card

I purchased a sofa and armchair from XXXX XXXX XXXX ( a XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$6400.00}. 

At the point of sale, the Pottery Barn sales representative also pushed me to open a Pottery Barn Capitol One credit card and described various perks associated with the card. She also told me that I wouldn't be charged for the items until they were delivered. The delivery is now scheduled for XX/XX/XXXX. 

Upon further review of the Pottery Barn Capitol One credit card, I realize the use of the perks are more restrictive than I had understood. Therefore today, XX/XX/XXXX, I called Pottery Barn customer service and requested that I switch payment to another credit card. 

I spoke to 4 representatives from Pottery Barn and Capitol One. I was informed that the charge was already made upon shipment of the items, rather than at delivery which I was verbally told by the sales representative. In addition I was told that I can not make the payment switch without further delaying the delivery of the furniture which I have already waited for since XXXX. 

To be clear, I am not disputing the charge. I merely want to pay with a different credit card for items that have not yet been delivered. 

I consider this to be a predatory practice by Pottery Barn and related entities Capitol One and XXXX to 1 ) push their credit card upon consumers and 2 ) refusing to switch the payment source for an item that has not even been delivered yet. 

Further, when I spoke to a Pottery Barn customer service supervisor and asked for the name of the corporate department with which to elevate my request and complaint, I was told that she would not give me that information and to " look it up on the internet. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

My XXXX XXXX shows me the fraudulent credit cards on my name that I have no knowledge about. Tried to dispute through TransUnion ( several times ) and the dispute was denied. 
Reported both fraudulent accounts on Friday, XX/XX/year> with XXXX. 
Called TransUnion on the phone today, XX/XX/year> and was advised to contact you, the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a deferment on my auto loan from XXXX, but Navy Federal reported the account late for XXXX and XXXX. The XXXX payment was fixed, but the XXXX payment is still showing 30 days on all of the credit bureaus. I have filed a dispute with XXXX  and contacted Navy Federal who both have not resolved the issue. They both keep referring the call back to the other. Today, I spent over an hour on the phone with Navy Federal being passed around from representative to representative without any resolution and finally landed in a supervisor 's voicemail because she did not want to take my call that was transferred from her subordinate. I have attempted to redispute with XXXX, but their online service is refusing to take additional information from me.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems ( hereafter JCS ) is reporting a {$5000.00} delinquent balance for XXXX cell phone service on each of the three credit bureaus. I disputed the veracity of this alleged debt to

the bureaus, whic h JCS verified. I subsequently contacted JCS via telephon e for additional information.
They claimed at that time not to own any accounts matching my name or SSN. Despite this, they are continuing to report this supposed debt to the credit bureaus.
Product: Debt collection

I submitted an earlier CFPB complaint XXXX related to this company. In that complaint, this company said it would put this debt on hold and verify information with the creditor, and then the complaint was closed as problem not addressed. Today, again I received another text message from this company and harassed me on the debt that i do not owe. It say This is XXXX XXXX XXXX  ( a debt collector ) regarding XXXX XXXX. We provide self-service XXXX Reference file # XXXX. To opt out, reply STOP. 
my complaint is, this company never verified my information before sending the collection letter to an address thats no associated with XXXX 2nd, it says it would put the debt on hold yet it never did and lied in its response to CFPB complaint XXXX. XXXX, it keeps harassing me with the debt and resumed the debt collection practice after CfPB closed the previous complaint. Please do something and ditch those bad collection agencies.
Product: Credit card or prepaid card

I received two prepaid gift cards, one Visa ( with a {$200.00} balance ), one Mastercard ( with a {$100.00} balance ). Both were purchased from XXXX grocery store by a family member. I followed the instructions and registered my information on the cards at the listed website on XXXX. The back of both cards state that they are " issued by U.S. Bank National Association pursuant to a license from Visa, Inc. '' I tried to use the cards in early XXXX and they were declined. I then tried multiple times to use them on XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, and XXXX. Every time I tried to use them the cards were declined. I called the XXXX phone number on the back of the card, there is not an easy way to speak to a representative but I figured out that you have to hit zero multiple times to reach someone. The representatives told me that they would clear any blocks so I could use the card after an hour. I tried again that evening at XXXX and the cards were declined. I tried again on XX/XX/XXXX at XXXX, XXXX, and XXXX and the cards were once again declined. I called back and the agent said that you could not use the card on any website where the site " saves '' the card and then hung up on me. This eliminates most major retailers in the US as most websites require you to create a profile and save the card.