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

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

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. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

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

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

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

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 In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX, has violated my rights.

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, credit repair services, or other personal consumer reports

I have spoken to all 3 bureaus 5-6 times over the last 6 months. They refuse to help or make their wrongs right. XXXX after a year is now reporting my XXXX  XXXX authorized user account as it is suppose to but the other 2 have failed to do so. Along with that I have been fighting XXXX over an identity theft that has caused all 3 bureaus to place several things that were not even the proper name on my report. They have removed most of these items but only after reporting to this company. There are still 2 inquires on my transunion that are fraudulant one from XXXX and XXXX. The companies verified them to be fraud and that was 6 months ago so why are they still on here but the others from the same place for the same reasons were removed as they should have been. My acct number ends in XXXX for my XXXX XXXX account that was suppose to be added over a year ago. XXXX has now fixed this and added it but the other 2 have not. A YEAR OF TIME AND WORKING TO BUILD CREDIT AND THEY HAVE PLACED ME 10 STEPS BACKWARDS FOR THIS ERROR ON THEIR BEHALF. It is keeping me from being able to purchase the home I need for my 3 children. This needs to be fixed. There is also a new account added last month that should be showing up and I worry with all the mistakes they make that it too will not be added. These bureaus have destroyed the last 6 months of my life because they are not doing their jobs properly and I would like to sue them for all the fraud that they allowed to be placed onto my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that are not mine and i want them to be remove from the credit reporting agencies. 

XXXX. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the XXXX XXXX XXXX account was still found in my report which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was on XX/XX/2020, but no response was ever received from them to date. This account, in my report, is late payment for the months during the pandemic. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized.
Product: Credit reporting or other personal consumer reports

These inquiries and the listed creditors are unrelated to me.
Product: Credit card

I applied for and received on XXXX XXXX, 2016, a Chase Sapphire Reserve credit card. A benefit of the card is that I receive a {$300.00} annual credit for travel charged to the account. I called Chase prior to the close of my first statement and was advised that any travel charges thru XXXX/XXXX/16 was eligible for the 2016 credit. When I tried to use the 2016 credit after the close of my XXXX statement I was n't able to do so. I was advised on a call to Chase that I that I had been provided with misinformation on my first call and in fact only travel charges through the close of the XXXX 2016 statement are eligible for the 2016 credit. 
I relied on the representation made on the first call that travel charges through XXXX/XXXX/16 were eligible for the 2016 credit and deferred purchasing travel till later in XXXX Chase does n't deny that I was provided with misinformation and says that my reliance on it will not change the result of denying me the travel credit for travel purchases thru XXXX. Providing me with misinformation, which Chase does n't deny and either confirmed by listening to the call or was able to do so, should not cause me to lose the benefit I am entitled to under the Sapphire Reserve card. this will result in overbilling me for my travel costs when charged.
Product: Credit card or prepaid card

On Sunday, XX/XX/XXXX, I received an offer from " My Best Buy Visa Card ''. The offer stated that if I spent {$100.00} outside of Best Buy using my card, I'd receive a {$15.00} reward certificate 3-4 weeks after making the purchase. 

The exact wording of the offer : " This offer is only for the intended recipient of this e-mail. Activate offer and use your My Best Buy Visa to spend {$100.00} or more in purchases outside of Best Buy from XX/XX/XXXX to XX/XX/XXXX to get a {$15.00} bonus reward certificate. Bonus certificate valid for 30 days from issuance. The certificate will post to your loyalty account 34 weeks after qualifying purchases have been made. '' I completed all of the required purchased by making a {$140.00} purchase on XX/XX/XXXX outside of Best Buy. Based on the terms of the offer, I should've received the {$15.00} certificate to my loyalty account no later than Wednesday, XX/XX/XXXX ( 28 days after XX/XX/XXXX ). When I contacted Citi Group on XX/XX/XXXX, NA and informed them I still hadn't received the certificate, they directed me to contact " My Best Buy Rewards '' at XXXX. 

I contacted " My Best Buy Rewards '' on XX/XX/XXXX. I got transferred a few times before being told that " the certificates post at the end of the month. You should see it on the XXXX ''. When I had pointed out that the terms of their offer said that I should've received the certificate no later than XX/XX/XXXX, they were unapologetic, but I was assured that the certificate would post by XX/XX/XXXX. 

On XX/XX/XXXX, the certificate was not there. I attempted to contact Best Buy Rewards by phone again. The first person told me the reward certificates were late, and they'd appear shortly. I stated that I did not care. The TERMS of the offer said I should have the statement, and I would NOT wait. She did not budge. I asked to speak to her manager. She said she did not have a manager. I told her I found it difficult to believe that she didn't report to anyone. Was she the president of Best Buy? She hung up on me. I called back and immediately asked the next person I spoke to to talk to a manager. He agreed and transferred me to another person. When I was connected to that other person, I asked if he was a manager, letting him know I had asked to be connected to a manager. He said he wasn't and then said he'd connect me to one. After waiting for around 5 minutes, I was disconnected. 

Meanwhile, I also sent " XXXX '' a message on the Best Buy forums explaining the situation. As I explained to her, part of the reason I had taken advantage of the offer was that based on the terms of the offer I should have received the certificate in time to take advantage of the sales for Memorial Day. I informed her that there was also a current sale I'd like to take advantage of, and asked her if my certificate was delayed long enough that I too missed that sale, if she could honor it. She said no. 

I've received ZERO satisfactory service from Citi/Best Buy. They are uncaring that they are violating the terms of their own offer. They are about to lose a customer over {$15.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two debts that I paid in full that are still listed as charged off with a balance owed. These were paid in full and shouldnt show as charged off. After the investigation Experian says that these debts were verified by the creditor. The creditors are below are below : XXXX XXXX- shows on report I owe XXXX XXXX XXXX
Product: Credit card or prepaid card

My credit limit was reduced due to an error that was made on my credit profile and bank refuses to fix issue. 

Please see attached letters.
Product: Debt collection

I frequent the XXXX XXXX  in the XXXX  and XXXX  XXXX   XXXX  XXXX  I worked yesterday and deposited XXXX dollars in my account by atm in that transaction the receipt returned XXXX I opened the account on the XX/XX/XXXX2019 I deposited XXXX and my next deposit was XXXX that following month as reported by customer care in the XXXX month the customer care stated that I owed for the tenth month XXXX dollars Wich I paid and she also stated an over draft fee from XXXX XXXX which may or may not be fraudulent I have another bank card that had been stolen funds from by a XXXX XXXX that may or may not be the same that was resolved as I reported it as fraudulent I've bean catching my monthly maintenance fee before every XXXX of the following month I stated that I have overdrafted and they are always below 5 dollars which is a condition I made with my bank to never go over 5 or else make the transaction declined I recalled trying my cards at XXXX XXXX and being told that the funds are not transfefing and then that I I have bean charged I resolved with the other card and the bank operater with the bppb is telling me that I must take it up with XXXX XXXX I assume this is some young personel whom is not aware of my ability to catch the false actions she suddenly changed her statement into me owing from the month of elleven this is XXXX and I payed XXXX dollars on XX/XX/XXXX which was yesterday if I overdrafted from the XXXX XXXX I would owe more than that for over draft fees daily which makes me think the teller may be in thievery or covering the theft as I have bean making payments like this I would have covered the fee with the XXXX dollars I deposited to pay my balance and from my last statement I did not exeed XXXX dollars and I have overdrafted before she attempted to explain that the maintenance fee arrives on XX/XX/XXXX Wich is false for that fact that I bean conducting in this manner and that may dates should match XX/XX/XXXX so I assume she is new and undereeducated or she thinks that I am I called within an hour an 30 minutes from this number XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt that Portfolio Recovery Associates claims I owe, associated with account number [ Account Number ], which I understand is being reported to credit bureaus as a collection account. I request that you investigate this debt and provide the necessary verification under the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, I dispute the following : 1. The amount of the debt.

2. The origin of the debt.

3. The validity of the debt in general. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with written proof of the debt, including but not limited to : A copy of the original signed agreement or contract. 
A statement of the full amount owed, including any interest or fees added to the original debt. 
Documentation that shows Portfolio Recovery Associates is authorized to collect on this debt. 

Until the debt is validated, I request that you cease all collection activities, including reporting this account to the credit bureaus, as required by law. Please note that any further attempt to collect this debt without proper verification may constitute a violation of the FDCPA. 

Please send all correspondence regarding this matter to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Calls excessively during the day, no one answers the phone when I pick up, the phone number harassing me is XXXX
Product: Debt collection

This company calls our business daily.  When you answer they hang up. You call them back and they are asking for a person that does not or has ever worked here.  I have asked them repeatedly to take our number off of their call list.  XXXX 
They have called XX/XX/2015  XXXX
XX/XX/2015  XXXX  XXXX  XXXX
XX/XX/2015 XXXX
XX/XX/2015  XXXXM
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX and Transunion to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
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 Update 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 listed
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to Wells Fargo 's closure to my complaint ( ref # XXXX & XXXX & ) I'm again very displeased with the lack of accountability and total disregard of the financial harm inflicted on all victims of Well Fargo 's Pick-A-Payment mortgage loan that it so sanctimoniously stands behind and thereby supports. Once more Wells " special '' representative assign to review my complaint called on XX/XX//19 to inform me of her findings and again to my disappointment it was evident that she had investigated for closure rather than for fair and amicable resolve. I had to once again explain that the Modification once approved by then XXXX  did nothing to provide any sustainable financial relief, but rather placed my outstanding payments due on the back of the loan with no interest rate or payment relief. When I went on to once again explain that by accepting the so-called " Modification '' the terms forfeited my rights to pursue any legal action ( have supporting documentation ), she seemed unaware and unfamiliar with my complaint and to the degree of Wells legal responsibilities.Please now be advised that I've hired the law firm of " XXXX XXXX XXXX '' and in correspondence with my District Attorney XXXX XXXX for a full investigation, but keep standing behind this destructive loan product and the unjust decisions that were made along the way.
Product: Mortgage

I entered into a loan modification agreement with Wells Fargo. I could not afford some of my original mortgage payments because of a divorce, taxes, and job relocation. Wells Fargo denied me the chance to continue the loan modification process and quickly sent my home to foreclosure proceedings in spite of the fact that I had secured a real estate agent and planned to sell the home. I followed Wells Fargo instructions to request Short Sale consideration by providing my Real Estate Agent XXXX XXXX 's information to the Loan Modification department and had the agent contact them as well with XXXX  listing info. Wells Fargo sold my home at the Sherriff 's auction on XX/XX/year> and the purchaser took possession of the home and removed all of my belongings before the sale was ratified. Because Wells Fargo acted so hastily with the foreclosure sale and ignored the request for Short Sale all of my belongings and possessions were in fact stolen or destroyed. The purchasers, XXXX XXXX XXXX, did not heed my calls to not enter the home before sale ratification so I could remove my belongings. They moved forward with illegally taking possession because of Wells Fargo unfair denial of a short sale. Quickly thereafter, the XXXX XXXX XXXX sold the house for over $ XXXX which would have paid my mortgage off completely had I been allowed the opportunity to sell the home. Wells Fargo 's unfair actions caused me to lose my home, my life 's belongings and caused deep mental anguish and strife.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA, it should be removed. However, l have sent in continuous dispute letters obtaining all information needed to remove inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is Discover Bank. The inquiry date is XX/XX/2019. The bureau reporting is XXXX The company have failed to comply within 30 days. Thank You!
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau XXXX XXXX XXXX XXXX Representative XXXX I am writing to formally file a complaint regarding inaccurate and harmful credit reporting practices that have negatively impacted my credit score for over XXXX  years. These issues are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically the provisions outlined in 15 U.S. Code 1681b, 1681n, and 1681o. 

Summary of Issues Repetitive Deletion and Re-Addition of Debt : The same debt, which I have repeatedly disputed as unverified, continues to be removed from my credit report only to be reinserted without proper notification or validation. 

Unverified and Duplicated Debts : The debt in question has never been substantiated, and on multiple occasions, it has been duplicated on my credit report, further damaging my creditworthiness. This is a violation of the FCRAs accuracy requirements. 

Long-Term Negative Impact : These practices have caused significant harm to my credit score and financial standing for decades, impeding my ability to secure credit, loans, and other financial opportunities. 

Relevant Legal Violations 15 U.S. Code 1681b : My report is being accessed and modified in ways that do not comply with permissible purposes or accurate reporting standards. 
15 U.S. Code 1681n : The repeated inaccuracies suggest willful noncompliance with the FCRA. 
15 U.S. Code 1681o : At the very least, these actions demonstrate negligent noncompliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. please remove them from all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I recieved a alert from experian. It read XXXX XXXX XXXX account opening reported. On XX/XX/XXXX XXXX XXXX XXXX reported a bank account opened with your SSN. 
XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX. 
phone XXXX The agent I spoke with on XX/XX/XXXX around XXXX told me he could not give me any information because I did not have a account with XXXX XXXX XXXX I explained to him someone was fraudulently attempting to open up a account in my name per my Experian alerts. I then asked to speak with a manager, and he responded the same way. I asked could he transfer me to the department to help dispute it off my credit report, and he said yes but transferred me back to the automatic voice tool.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX