23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My mother received a debt collection letter ( in my name ) from Lien Enforcement Inc. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. Amount owed : {$2800.00}. The letter was about some service received from XXXX XXXX XXXX with account number : XXXX. That was all information included in this letter. 
Unfortunately, I can not dial XXXX number from XXXX, where I'm currently located from XXXX of 2022, helping XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have no idea what service are they talking about, never heard about XXXX XXXX XXXX What obvious though, that I couldn't possibly receive any XXXX XXXX in the XXXX because I've been in XXXX for all this time.
Product: Checking or savings account

Non eligible telephone number, banker stated that they file claim to get my number eligible so that I can order a new bank card. They told me on several different occasions all different answers on days it would take for them fix issue going on. So Everytime I wait period, then call see if I can order my atm they won't do it. Keep making up excuses reasons why they can't help me .... 

I would like for my atm bank card to be over nighted to my address.
Product: Debt collection

On XXXX XXXX I opened a account with BestBuy, and ordered a gaming laptop, on XXXX, it was said that it was delivered after going to the door and it not being there my daughter immediately called Best Buy and told them that it was not there. They informed her that they would reship the order and after checking for that order on a daily basis and it taking so long to come on XXXX XXXX. I went back to Best Buy and canceled the order on XXXXXXXX  and purchased a laptop that they had which I was able to get that day. A couple weeks later I noticed that they had not taken the original purchase off my credit card so I went back to the store and I was told ( per the store manager that they canceled the replacement but they failed to cancel the original purchase which they often due ) I needed to call corporate.upon calling them I was told to file a police report, which I did, I was also told to take out a complaint with XXXX  XXXX. Upon calling XXXX I was advised that ( per BestBuy that the customer can not file a complaint that BestBuy had to do it.. after this situation on going for so long I received a call from XXXX executive office and was told that BestBuy was to be held responsible and that they had to remove the charges, however this is still an ongoing dispute and have now affected my credit..can you please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I had a chance to review my Transunion credit report via XXXX XXXX.On it I noticed an error. I saw that I had a XXXX account on my credit report in which I do but it is not the right account infromation that is on my actually XXXX bill. I disputed several times by certified mail due to this incident and sent it to Transunion. Tranunions says its right then says that XXXX has verified it. How is this? When I received the dispute investigation results I saw that the Item was not removed. I repeated this process for over 4 months with still no results. So on XX/XX/XXXX I called Transunion and XXXX to correct the account information. My XXXX account number is XXXX. Yet the XXXX account still remains.
Product: Credit reporting or other personal consumer reports

Innovis Consumer Assistance XXXX XXXX XXXX XXXX GA XXXX Innovis, The phone number on file for me is incorrect. 

Attached to this complaint are : written complaint Drivers license social security card Proof of address Please change this.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following items : XXXXXXXX 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 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
Product: Debt collection

This complaint is against Experian, i first contacted Experian about a report on my credit report from   XXXX   XXXX  , i ask Experian to provide me with me a " copy of any visible evidence bearing my signature '' the date of my first request was  XXXX / XXXX /  XXXX   my second request asking for the same information due that my first request was ignored ...  XXXX / XXXX /  XXXX     XXXX   acct #  XXXX  {$680.00}.   Experian was also asked to include FCR A 623 ( a ) ( c )  : This law is very similar to the FDCPA above it requires the credit bureau to report that you have disputed something on your credit report, after you have contacted them directly. They will need to add the dispute sentence to your credit report.   " customer has disputed something on your credit report '' Experian ignore this request both time ... below the copy of the letter sent to Experian but cert mail with return recite requested ...      XXXX   XXXX   XXXX   XXXX   XXXX  Idaho  XXXX  Experian.     XXXX   XXXX      XXXX  Tx.  XXXX   XXXX / XXXX /  XXXX    XXXX  : Social Security Number  XXXX  To Whom it  May  Concern : I have recently been informed that there is negative information reported by  XXXX    XXXX   XXXX   XXXX      XXXX , OR  XXXX  (  XXXX  )  XXXX  Account  Number  XXXX  ....   I am unaware of this acct. and have disputed two-time without you showing me proof " only hearsay '' Please validate this information with above creditor and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act sectio n 623 ( a ) ( 3 ), and  I am keeping careful record of your actions Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for :  1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue  local to me, in order to formally defend yourself.   My contact information is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX  Idaho  XXXX  SS #  XXXX  Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.    PS FCRA 623 ( a ) ( c ) : This law is very similar to the FDCPA above it requires the credit bureau to report that you have d isputed something on your credit report, after you have contacted them directly. They will need to add the dispute sentence to your credit report.   " customer has disputed something on your credit report ''
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/XXXX. XXXX  I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a complaint about XXXX XXXX XXXX attempting to collect on XXXX balance account. Since XX/XX/XXXX, I have repeatedly requested an explanation of the debt. After filing a complaint with CFPB, I received validation of the debt. This company provided a XXXX  balance statement. This collection was reported to my Equifax credit report in error, and Equifax has refused to delete the collection. Based on the provided statement from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, I have a XXXX balance. This account has been paid in full by the insurance carrier, and contractual insurance. I have provided Equifax a copy of the XXXX balance statement ( see attached ). They refused to follow the law about reporting incorrect information.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these ITEMS ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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: Debt collection

XXXX SCAM call impersonating collection agency called " Credit Control '' XXXX XXXX XXXX XXXX Trying to get financial information illegally.
Product: Debt collection

XXXX made threatening statements about account that was inaccurate with ford Motor Credit Company.
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

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

I've reported this dispute several times. 
XXXX has updated my credit based on my report and XXXX ; along with Equifax have yet to update the lateness 's on my report. I had a loan and stated I went 30,60,90 days late on an account while making payments on all of those months That doesn't make sense and missing a payment as small as {$19.00} for 3 months while making a considerable amount of money doesn't make sense either. 

That is not possible. 

I paid all of my payments on time 4 screenshots will be attached two are my XXXX payment history one is the updated report by XXXX based on the screenshots and information that should be updated this way on Equifax & XXXX The last is how it shows on Equifax ; along with XXXX You can not go 30,60,90 days late on anything while actively making your payments. 
The only way this will happen is if you're near defaulting on whatever loan or account Even if, the payments were late. they are made on a 14 day biweekly payment system - Whatever payment was made would still just rollover to the next two week period and never report as late. 

This is the last time I'm reporting these issues and the next will have to be legal action
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} 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 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 card

On XX/XX/XXXX, I filed a refund request with Best Buy credit card services for the debt protection fees that have been charged in my account on a monthly basis since my purchase on XX/XX/XXXX. At the time of this purchase, my credit card account was reactivated, after being inactive for over a year or so from a previous purchase. With this purchase on XXXX/XXXX/XXXX, I agreed to pay {$3600.00} for goods and services as stated on my receipt of purchase. I agreed to 24 months financing with zero interest. I did not agree to the debt protection services or to any additional services, insurance or coverage. After the purchase I received a new card in the mail with a statement balance of {$3600.00}. I set up a new online account and began making automatic payments from my bank account each month between $ XXXX- {$250.00} each month. After 17 months of payments, I felt that I should be close to paying off the balance. Only after opening a previous statement did I realize that I was being charged the debt protection fee. This charge is not visible on the account summary and is buried on the statement. This charge was being placed on my account after my monthly statement was issued on the XXXX of every month, 6 days after the bill was due. This is an intentionally deceptive and illegal practice. I have been charged this fee, in varying rates, every month since XX/XX/XXXX, totaling {$340.00} in fees to date. 

I am absolutely outraged that a company thinks that it is acceptable business practice to charge fees on an account a week after the statement has been issued especially when a customer has not agreed to the services. In fact, Citibank is well aware that this is illegal. I guess that the XXXX in relief payments made to their customers and the XXXX penalty payment made to the Consumer Financial Protection Bureau was not enough for their company to stop this unlawful business practice. 

I did not enroll, elect, opt in, authorize or agree in any way to pay for this coverage on this purchase. I requested to be refunded immediately in full the total amount of fees charged to my account. I was told that my request would be reviewed within 30 days but I did not receive any documentation that a request was submitted, only a verbal statement from the debt protection services department. It 's fair to say that I do n't trust that they have their customers ' best interest in mind, nor do they plan to refund my account without a fight and legal persuasion. 

The agreed principle balance is {$3600.00}. To date ( XX/XX/XXXX ), {$3100.00} has been paid towards the principle balance due, with a remaining principle balance of {$500.00}. I have requested that the outstanding {$340.00} in unauthorized fees is to be refunded to my account no later than XX/XX/XXXX, the due date of my next statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was a FHA mortgage that was in CARES Act forbearance and was repeatedly assured that no negative reporting would occur. The house was sold and paid in full then after XXXX XXXX reporting 90 days late and my credit score was greatly affected.
Product: Debt collection

XXXX reporting XXXX XXXX account XXXX original assign date was XX/XX/XXXX and was disputed in XX/XX/XXXX with XXXX  with no response from XXXX. XXXX has now changed their reference number and reported in XX/XX/XXXX without ever validating the debt. It was reported to XXXX and XXXX. Also XXXX is showing on both CRA reports conflicting dated and information that differs on both reports intent to re-age the debt.
Product: Credit reporting or other personal consumer reports

Misleading information with XXXX  XXXX, Experian and XXXX XXXX XXXX  credit balance is incorrect utilization rate s incorrect a 5 year medical bill, late payment correction, XXXX XXXX XXXX XXXX payment is adjusted and current
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act the following companies : XXXX acct XXXX XXXX, XXXX acct # XXXXXXXX XXXX  XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX  acct # XXXX, XXXX  acct # XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX has violated my rights 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 an account without my written instruction.
Product: Debt collection

Vw credit has violated 15 usc 1635 and 15 usc 1692d. 
They have admitted that it has no merit and this is another violation seeing as their actions and inactions are a violation of these U.S. codes. 

They have also failed to provide the disclosed material that was given to me in accordance with 15 usc 1635. 

VWcredit has admitted to an additional finance charge. This is illegal as it is supposed to be the sum of all charges. 

All actions against me since XX/XX/2021 when they received their dispute Of debt, are a direct violation of 15 usc 1692g ( d ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Final payoff check for auto loan was XXXX to Chase Banks physical overnight address on XX/XX/2020 to XXXX XXXX XXXX XXXX XXXX TX XXXX. Packaged was signed and delivered by XXXX XXXX at XXXX on XX/XX/2020. XXXX envelope contained check # XXXX dated XX/XX/2020 for {$15000.00} for final payoff. As of XX/XX/2020 check still has not been cashed and now I am showing 30 days delinquent on my credit report. Ive provided all necessary proof to Chase bank and they still have not rectified this situation.
Product: Credit card or prepaid card

Apple Card from Goldman Sachs is restricted and has XXXX balance and have been this way for over 60 days. No communication from them at all about resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your help as an elderly person on exempt income who has been played on so many levels and being ignored when I send letters to all these collection agencies, credit reporting agencies and lawyers over XXXX months now back in XXXX and XX/XX/2022 of the alleged debts. There has been ZERO responses but harrassment from collections agencies that only caused me stressors.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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: Debt collection

In my recent credit report, I suddenly I notice that there was an inaccurate account. This was not sent in error. Now I have some false not 100 % accurate account on my credit. 

XXXX XXXX CHILD SUPPORT
Product: Credit card or prepaid card

For customers with multiple credit card accounts, customer credit line increase requests merely shift credit between existing credit card accounts rather than actual credit limit increases. I have made multiple complaints to Bank of America about this practice. Moving credit from one account to another is not a credit line increase.