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

As of XX/XX/XXXX I have have made numerous complaints to Experian about an address that was reported on my credit report that wasn't my address instead of removing they updated my current address and didn't remove the wrong address. Then I made reports about inquires on my credit report and once again they refuse to remove false reporting. As of XX/XX/XXXX I was informed by CFPB that Experian replied to my complaint from last year to inform that I'm a third party. I've sent Experian my Drivers license and also uploaded a copy to CFPB due to Experian telling me they never received my mail. This is Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. These are the fraudulent information Experian refuse to remove XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX I made a complaint to the FTC and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes my name is XXXX XXXX and I am a victim of identity theft I sent in a dispute letter asking for proof of the account showing under my credit report thats not mines and never heard anything from them I also spoke with somebody XX/XX/XXXX asking for disclosure they have record of to prove those accounts are mines a guy told me they dont have anything to prove those accounts mines so thats a violation there Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand lthat 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. they told me they dont have proof they just go by what the creditors say but Under the FCRA 15 U.S.C. 1681i, 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. They choose to remove the fraudulent accounts they dont have any documentation to show me that those accounts are mines and I have proof of that I also sent in a ftc report they told me it was fraudulent got a XXXX email saying they want remove the account they never told me why and want tell me why something need to be done about experian
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Letter Regarding Violation of My Rights Under 15 U.S. Code 1608 To Whom It May Concern : I am writing to formally dispute the handling of my personal credit information by the three major credit reporting agenciesExperian, XXXX, and XXXX violation of my rights as outlined in 15 U.S. Code 1608 and related consumer protection statutes.

It has come to my attention that nonpublic personal information concerning my credit has been used, retained, and distributed without my full, informed consent. Under the protections guaranteed by federal law, including 15 U.S. Code 1608, such actions constitute a breach of my privacy and legal rights.

As a consumer, I have not granted explicit authorization for the credit bureaus to retain, process, or share my personal information in ways that expose it to misuse, errors, or unwarranted access. I believe this directly contradicts federal statutes designed to protect my financial privacy and security. 

To resolve this matter, I am demanding the following action : XXXX. The immediate deletion of all credit reports and related data maintained by Experian, XXXX, and XXXX concerning my personal credit information. 
XXXX. Written confirmation from each of the three credit bureaus verifying that my personal credit data has been deleted entirely from their systems and will no longer be used, accessed, or shared. 

Failure to resolve this matter promptly will leave me no choice but to escalate my complaint and pursue further legal remedies. I am confident the Consumer Financial Protection Bureau ( CFPB ) will hold these credit reporting agencies accountable for their obligations under federal law. 

I appreciate your prompt attention to this serious matter and expect a formal response within the legally mandated time frame. Please direct any communication regarding this dispute to me in writing at the contact information provided below. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX Let me know if youd like any additional revisions or information included!
Product: Credit card

Rooms To Go credit card managed by synchrony Payments are due on the XXXX of every month XXXX payment was made on XX/XX/15 Received an overdue notice with late fee. I called customer service and was told I paid when the statement was generating and therefore it doesn't count. Asked for policy in writing that says you can only pay between certain dates and they would not send but did remove late fee. Today I am being told my account is delinquent and I must make a double payment. Spoke to them again and was told I paid a day to early. I Requested they apply that to the XXXX bill and they said the request was denied. Went up the chain and requested again and was denied. I also requested something in writing that lists restricted dates and they couldn't or wouldn't send it to me. I asked to speak to manager and was denied.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX someone open a account in my name I reported it as fraud loqbox they did not remove this account I dispute it before they close the account but never remove it from my credit bureaus. 

I have a old account from XX/XX/XXXX I dispute thats not off my credit report that wasnt me either
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) showing XXXX  days late without ever being XXXX  days late. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

On XX/XX/2022, I used my Citi Costco Credit card to purchase 4 airline tickets to XXXX for a family vacation for {$4900.00} from online website XXXX. Immediately I got a fraud alert text asking if I made the transaction. Text 1 for yes, text 2 for no. I texted 1 for yes. Then i received another text saying transaction was denied and to call Citi. I called Citi and told them it was a valid charge but was told that once declined, I would have to rebook my tickets. The charges will not go through. Customer service told me they will let a one time large purchase go through and advised me to rebook. So I rebooked my tickets a second time with online website XXXX  for {$4100.00}. The difference was the Covid insurance I decided not to purchase. The two online websites were of the same company as I found out later. I received confirmation email from both websites ( for 8 tickets ) the NEXT DAY. I immediately called Citi and told them what happened. Customer service advised me that the first declined charges were resubmitted 5 times after the original refusal by Citi. I also called XXXX  to ask them how the charges were able to go through. I didnt get very far with the XXXX  customer service. He told me if I want to cancel the tickets Id have to pay {$580.00}. Then I called Citi Customer service whom suggested i open a dispute. So I opened a dispute. This has gone back and forth since then. First on XXXX Citi found that I was responsible for the entire amount they sent me a huge packet of paper asking me to explain whether merchants cancellation policy was explained to me at time of booking and to provide documentation etc. I called Citi many many time to say it was online booking and I only received my confirmation email from XXXX This dispute have gone back and forth since. Originally this was labeled as cancellation in the dispute but then changed to duplicate order. Citi bank settled with the merchant. I am to pay {$2200.00}. I have called at least 6-7 times and each time with a different person. The last senior account manager, XXXX, told me theres nothing Citi can do for me. It is between the merchant and I. He agreed that this was fraud on part of XXXX  but said Citi did everything correctly. He offered me {$170.00} to settle everything. I am exhausted at this point they have wore me down and i agreed. Except I get an email later saying dispute is resolved and {$74.00} is credited to my account. I am beyond believe and angry and would like you to help me get ALL my money back. Citi has not done its job in protecting me and tried to cover their mistakes. I did exactly what Citi asked me to do rebooking and I am stuck with {$2200.00}.
Product: Credit reporting or other personal consumer reports

The companies detailed below added unauthorized inquiries to my credit report without my knowledge or consent. I contacted these companies throughout the second half of the year, and I have yet to receive a response. 

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

XXXX XXXX I mailed a certified dispute letter to PERSOLVE LEGAL GROUP and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX on XXXX they also have over XXXX complaints with the CFPB. The PERSOLVE LEGAL GROUP failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX of XXXX I opened an account with Patientfi to help pay for a medical procedure. The loan was for {$4500.00} and they advertised if you paid off the full amount in 12 months there would be XXXX interest on the account. I paid {$370.00} every month for the full 12 months. By XX/XX/XXXX of XXXX I completed the final payment of {$370.00}. Patientfi continued to charge me and I have now paid more than the {$4500.00}. In XXXX, I attempted to reach out to the company via phone and email. There were no replies to any of my emails, and when I finally got a patient representative on the phone he was unable to explain to me why they were still charging my account. He said that I had not made the proper payments, yet my bank statements say otherwise. He advised me to email the proof of payments to the customer service email. I have not received any replies from the customer service email and they continue to try to charge me and tell me that my payment is late. 
Early in the month of XXXX ( XXXX ) I received a call from a debt collector trying to collect the debt. I explained to him the situation and he couldn't see why they pushed my account into collections so he sent it back to PatientFi.

PatientFi has not communicated why I still have a balance on my account. I have bank statements that prove I have made more than enough payments in the timely manner. I am requesting that PatientFi remove any interest charges applied to my account ( in accordance with the promotions terms ) and close the account.
Product: Credit reporting or other personal consumer reports

I sent all 3 of the bureaus a request to validate the negative accounts listed on my credit report back on XX/XX/2023 and no one ever sent me what I requested.
Product: Debt collection

I had an account with a communications company for about 3 years, I moved transferred service and continued for a few months. Paid off entire bill ( XX/XX/XXXX. {$44.00} ) everything was then closed. I then applied for a small loan, ( XX/XX/XXXX ) this was then I was told by the bank that I had a debt in collections for {$100.00}. My credit is destroyed, and the biggest problem is that the company, or collection agency NEVER called, or sent any type of notice. All my bills are always paid on time. I would have handled the bill originally when it came. After finding out about this, I called the company and asked them about this. They stated they cant look up anything about this bill because they dont have it anymore, they will however, accept a payment from me!! This has completely destroyed my credit and I am now in dire straits. The collection agency violated the fdcpa by not making ANY TYPE of communication to me about this supposed debt.
Product: Debt collection

I have a fashion to figure card from Comenity Bank. My payment was due on XX/XX/year>. I went to pay it on XX/XX/year>, but since it was XXXX XXXX their website said the payment would be considered late and I would be charged a late fee. I did not pay that day. I decided to wait until I could speak to someone about the late fee, since I've never paid late. 

Since XX/XX/year> Comenity Bank has called me in regards to the missed payment well over 25 times. They call approx. 12 times per day. They call from different numbers throughout the day ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX XXXX and even Unknown/ Unavailable numbers. Today is Sunday XX/XX/year> and they have already called me 3 times. This is ridiculous and at this point harassment for a bill that is not even 30 days late.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX DATE XXXX I am writing to formally dispute an inaccurate late payment reporting on my credit file, which has been reported to XXXX, XXXX XXXX and XXXX by Lendmark Financial Services . I have always had a great relationship with Lendmark and have managed my account responsibly. Unfortunately, due to financial hardship following the birth of XXXX XXXX I fell behind on my payments. However, I find it deeply disappointing that Lendmark would choose to report this in a manner that jeopardizes my creditworthiness and reputation. Specifically, I dispute the accuracy of the alleged late payment transactions reported to my credit reports. According to 15 U.S. Code 1681a Definitions ; rules of construction, the term " consumer report '' does not include information solely concerning transactions or experiences between the consumer and the reporting entity. Therefore, transactions and experiences with your company that fall under this exclusion should not be furnished to consumer reports. The law states under 15 U.S. Code 1681a ( c ) Exclusions : > " ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include > ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' My transactions and experiences with Lendmark Financial are excluded from the consumer report. You have no legal right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. Additionally, the only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments, which stipulates : > " ( a ) Time to Make Payments > A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' To comply with this section of the law, Lendmark Financial must provide proof that the information required under 15 USC 1637 ( b ) was mailed out or delivered to me 21 days before the payment due date. Please provide this proof, as a creditor can not legally treat a payment as late without adhering to this requirement.
Product: Debt collection

This company was told that I was a XXXX veteran and needed to be transported to the VA.They told me the VA would not see XXXX patients and took me to a civilian hospital.The civilian hospital did not know how to properly treat me and I had to be hospitalized by the VA within days.The staff at the VA were angry that I was not brought to my hospital and my care team as I am highly at risk.This company was given the information for the office that handles paying for my care years ago.This credit company just started trying to charge me for this by phone in the last 2 months.
Product: Debt collection

XXXX XXXX and XXXX XXXX representing RAB , Inc. have contacted our business multiple times through phone, email and XXXX XXXX. They have spoken with 5 representatives from our company with only one being the owner. Both XXXX XXXX and XXXX XXXX have been verbally abusive in their language. We have asked them verbally and in writing to stop contacting us however, they continue to harass us. We have been sending payments to the company who hired them. Therefore, I do not understand why XXXX XXXX and XXXX XXXX continue to harass us. 
They have threatened to sue us, send a private investigator, have sworn at us, asked our employees if they like their jobs, called an employee a stupid women. This on going harassment has got to stop. 
RAB , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Contact Toll-Free : XXXX Local : XXXX Fax : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : 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 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 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Went delinquent on credit card with Navy Federal Credit Union in XXXX. They later sent me a letter through USPS giving 3 options to settled the debt. I chose Option 1 and settled the debt paying balance of {$910.00} with check sent certified mail and check was cashed soon after they received it.I will attach such letter. I am now being sued with a set trial date of XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, by another company that seems to have purchased the debt from Navy Federal Credit Union. I believe this is a violation of Federal Fair and Trade Acts, or some other violations and I beg this to be examined and investigated and cleared as soon as possible. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I called Renovate America today to check that they had received my payoff check. In the process I found out that are trying to charge me ~ {$650.00} in late fees/interest. I missed 0 payments and was on time with all my payments for the life of my loan. The initial rep I spoke to was incredibly argumentative and not helpful in explaining what was going on. The supervisor suggested I send an email explaining the situation. I sent the following email. 

I was supposed to close selling my house on XX/XX/XXXX but due to the current global situation we were unable to close until XX/XX/XXXX. I closed on my new house on XX/XX/XXXX in the afternoon, escrow cut checks on XX/XX/XXXX, and I did not receive the payoff checks from escrow until Tuesday XX/XX/XXXX. That same day I sent checks second day air for a personal expense of ~ {$30.00}. I missed 0 payments and was on time with all my payments for the life of my loan. I would very much appreciate if we are able to waive the charges and close my account. 

Their response was your contract says this ( buried on page 2 paragraph 4 ). Which is why you were charged the amount. This type of charge was not described to me at point of sale or when I called them about a payoff quote 3 weeks before. It feels like a total scam.