23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/2016 went to XXXX store on XXXX XXXX XXXX, XXXX, TX XXXX their number is ( XXXX ) XXXX. I took my Serve card to withdraw money from the XXXX XXXX atm at XXXX. When I tried to withdraw the money and put in all my information, the atm did not dispense my the {$140.00}. So I called the number for the atm they told me to file a complaint and the money would be credited since i received no money from the atm. An employee at XXXX named XXXX informed the atm merchant that this was not the first time they had issues with the atm and they needed to get it fixed. So I called american express serve at XXXX. I spoke to a representative who i explained everything and was no help at all. She kept putting me on hold then transfers me to a supervisor. I explained to the supervisor what happened and i never received the money or receipt from the Atm yet the amount was deducted from my account also with a fee of {$2.00} for using a atm. I then received a email from american express on XXXX XXXX that it would take 10 business days for them to investigate. That they will send me another email within 10 business days with more information whether they be able to credit me. 
On XX/XX/2016 at XXXX I received a email requesting more information that they needed it with in 10 business days. At XXXX XXXX XX/XX/2016 i received a email saying they are not going to credit the amount I never received on XX/XX/2016 for XXXX plus the XXXX service charge fee.
Product: Debt collection

On XXXX/22 at XXXX, FBCS , a debt collector company, sent a text stating I was enrolled in notification services. I did not give consent to these messages and/or notifications. I did unsubscribe, however I do wish to file a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit card

I filed a dispute starting on XX/XX/XXXX with Citi Costco VISA regarding a charge for {$79.00} for merchandise that I never received. I have repeatedly informed Citi Card that I never received any merchandise from this merchant & that I wanted to continue with the dispute. I answered all the questions asked by Citi Card & sent all the requested support documentation including the order confirmation email I received from the merchant with my correct information & address ; & emails that I sent to the merchant asking them about my order & informing them that I never received the merchandise. Citi Card notified me on XX/XX/XXXX that the merchant informed them that the merchandise was delivered and therefore, Citi Card closed their investigation and reversed the credit to my account. The documentation that Citi Card provided to me from the merchant showed a package was delivered to a totally different address in a totally different state ; and was signed for by a totally different person. On a side note, my sister placed the same order with the same merchant on the same date ( XX/XX/XXXX ). She never received her order, but, her credit card company issued her a full refund with no problems. I believe that the web site that we placed our orders on was a scam. I am extremely disappointed in the customer service that Citi Card has provided.
Product: Debt collection

On XX/XX/XXXX a debt collection notice was received from Midland Credit Management , Inc . Immediately the letter was disputed and a Debt Validation letter was sent in response via certified mail return receipt requested. 

The company Midland Credit Management Inc. persist in the response that the debt is owed to them in the amount of {$2200.00}. They also state in the response " If you believe that we have reached this conclusion in error, please reference the information below '' offering nothing but payment methods to resolve their error. 

Attached is the original ACH transaction from XX/XX/XXXX to the original creditor for the original amount of {$2000.00} with no fees. 

This account should have never been sent to collections for it was never delinquet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALL IN XX/XX/XXXX THE FIRST WEEK STATING THAT I HAD INQUIRES NEED TOO BE REMOVED DUE TOO FRAUD IN XX/XX/2015 NOTHING HAS BEEN DONE
Product: Credit reporting, credit repair services, or other personal consumer reports

Eight months ago I applied for a dental credit card. I was denied by Transunion Credit report on me. I tried calling as the letter from the credit card company said information obtained in a report was why denied. they ( TransUnion ) were unable to supply specific resons why I was denied. I tried calling multiple times and could never get a person, only a credit report. That took about XXXX weeks. I got the report dated XX/XX/2022. I could see no problem so let it go. 
I do not have my notes any longer to give times or dates. BUT same thing repeated itself today : I got a letter from my credit card that I've had for over 5 years. It states it's lowering my credit line. Now I have paid my card off every month, no late fees. Reason is in a letter saying it was based in whole or in part on information obtained in a report from XXXX. XXXX was unable to supply specific reasons why, like Transunion. I attempted to call 3 times and you can not get to a real person. Its the same recording that Transunion has, I must choose to get a credit report or report fraud. If you say operator it says must hang up. I can not get to a person to find out what is wrong. I need help in getting to the bottom of this. Thank you.
Product: Debt collection

Debt was paid on XXXX XXXX, 2014. Original was owe to XXXX but was sold to Midland. Request deleting/removal from credit report profile from XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first round of letters I wrote to all 3 credit bureaus XXXX, Transunion, and XXXX on XX/XX/2021. Demanding that the things being reported on my credit report needed to be removed. I never gave them written consent to furnish anything on my report pursuant to 15 USC 1681b ( 2 ). No consent is identity theft! They only thing that I got from Transunion and XXXX was a credit report with nothing removed. XXXX never responded during the 30 days provided after the certified mail receipt.
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 : westlake auto has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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: Credit reporting or other personal consumer reports

I HAVE ASKED THAT ALL UNMAILABLE ADDRESSES LISTED ON MY CREDIT REPORT BE REMOVED. HERE ARE THE ADDRESSES LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

AN AGENT FOR AVANTEUSA CALLED ME ON XXXX AND WANTED TO SPEAK TO SOMEONE ELSE. THEY CALLED MY NUMBER OF XXXX FROM THEIR NUMBER OF XXXX. I HAVE HAD THIS PHONE NUMBER FOR YEARS. WHEN I ANSWERED THE CALL, IT TOOK A COUPLE SECONDS FOR THE CALLER TO COME ONLINE. IN FACT IT TOOK SO LONG I ALMOST ENDED THE CALL, BUT I HEARD SOME CLICKS AND AN AGENT CAME ON. THE CALLER SPOKE VERY FAST. I ASKED FOR THE ADDRESS AND THE CALLER REFUSED TO GIVE ME THEIR ADDRESS AND HUNG UP ON ME. AVANTEUSA HAS REGISTERED WITH THE TEXAS PUBLIC UTILITY COMMISSION TO USE AN ADAD DEVICE TO PLACE CALLS. THEIR PERMIT NUMBER IS XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a certified letter to Eastern Account System explaining to them that I don't recognize the collection items in the amount of {$82.00} and {$440.00}. I also asked them to provide me with proof that this is my debt if they feel like this is an accurate collection. Today is XX/XX/2019 and I have yet to receive a response from Eastern Account System. I would like for them to remove these 2 collections from my account as soon as possible.
Product: Student loan

The company responded to my previous complaint filed through the CFPB, informing me that my application in Section 5 of the form, lacked the CAO 's Title. That was corrected and I resubmitted my application for the 6th time on 3/28/2024. Today the company denied my application for the 6th time.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XX/XX/XXXX late payment XXXXXXXX XXXX XXXXXXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Mortgage

I took out a home loan in XX/XX/XXXX with XXXX XXXX which filed Chapter XXXX Bankruptcy. I spoke with the Trustee and they informed me that the loan had not been sold. I did a HAMP modification and the current Servicer has not given me the documents requested regarding the HAMP Program and signed modification agreement. As anyone can clearly see the payment history and loan balance do not make any sense, since I was current on all payments and therefore received payments from the Federal Government according to the HAMP guidelines, which Caliber Home Loans refuses to give me a copy of. They start their balance sheet on XX/XX/XXXX which was the first payment due with an unapplied funds account with {$100.00}, a Late Charge of {$780.00}, and Fee Balance of {$1000.00} which are absolutely incorrect and I have been paying on this since XX/XX/XXXX, plus interest and other late fees and costs, while I patiently waited for my " free '' HAMP loan modification. Once again I request that the Attorney General and the Consumer Financial Protection Bureau please audit this loan as soon as possible since I suspect fraud.
Product: Credit reporting or other personal consumer reports

I recently checked my XXXX XXXX account and notice that I have a hard inquiry on my personal credit report. The inquiry is from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I immediately called TransUnion, since I didnt make this inquiry. TransUnion told me to go online to their dispute center. I did so, and noticed that there are dispute buttons next to every section, besides the inquiries section. Therefore, I called TransUnion back and they told me that there is nothing they can do to help me. The agent was only able to put a freeze on my account ; nor did they help me with fraud alerts. Note : I called XXXX XXXX  and was told that my information was not on file and they are unable to help me due to no information being in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1666b states that you can not report late payments therefore you are in violation of the FCRA Also I am requesting a signed contract authorizing your company to report my personal information to a third party.

Your company never gave me the option to opt of the consumer reporting agencies. I have the right to privacy under 15 USC 1681 section 602A and I have a right to opt out of consumer reporting agencies. A transaction of my information that doesn't benefit me is Identity Theft as per the FDCPA Also Under 15 USC 1681b credit reporting is voluntary.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : This is a new complaint and request this gets handled immediately as it is damaging my credit and ability to obtain credit. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Please remove all the above inquiries from my credit report. I would like to request that you please do not send me a template letter in response to this request. 

I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that 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 section 611.

Please see attached drivers license, social security card, proof of address, FTC Identity Theft Report, and complaint letter.
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANAGEMENT is a debt collector. They are falsely reporting to my credit! 
Account # XXXX are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.
Product: Credit reporting or other personal consumer reports

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. Requires notice : Agencies must notify the public of their record systems. Requires consent : Agencies can not disclose an individual 's record without their written consent. Provides access : Individuals can request access to and changes to their records. Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 usc 1681 section 602, states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose. Also 15 USC 1602 ( P ) Hard inquires
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance {$XXXX} XXXX XXXX Balance {$XXXX} XXXX  XXXX XXXX Balance {$XXXX} XXXX  XXXXXXXX Balance {$XXXX} XXXX XXXX XXXX XXXX Balance {$XXXX} XXXX  XXXX Balance {$XXXX} XXXX XX/XX/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 XXXXXX/XX/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 : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a fraudulent auto account in my name. Mercedes Benz Financial is stating the I owe the XXXX for an auto loan/ lease in my name. This account was established in fraud and does not belong to me. Now the credit bureau is reporting this account twice via collection and direct creditor which is making my debt to income ratio deteriorate. The account is not mines and was opened in fraud. I have sent them numerous documentation proving that I have been a victim of sever identity theft and they are refusing to help with this serious matter. I have asked them supply me proof of this debt that they are verifying ......
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( a.k.a. XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, Ca. XXXX Phone : XXXX Fax : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Phone : XXXX Dear CFPB, Several times during the past three ( 3 ) years I have written Equifax, XXXX and XXXX, about the lack of a credit score, and inaccurately listed and/or missing information in my credit reports that should have been verified and corrected. For example, there is no mention of a 3-year vehicle lease made on XXXX of XXXX through XXXX XXXX/XXXX, and no mention of a personal loan I made on XXXX of XXXX through XXXX XXXX XXXX ( XXXX ). 

I have sent four ( 4 ) requests to Equifax, XXXX and XXXX to provide me with a credit score, and correct, verify and make sure that the information listed in my credit reports are accurate and according to the credit reporting laws of California, but no action has been taken.
Product: Credit card or prepaid card

We reside in XXXX XXXX California and we have been dealing with an issues with XXXX Bank of America Card since XX/XX/2020 with no resolution. On XX/XX/XXXX and XX/XX/XXXX we paid some household bills as follows : XXXX XXXX XXXX {$610.00} XXXX XXXX- {$600.00} XXXX XXXX XXXX- {$720.00} and {$600.00} XXXX XXXX XXXX- {$130.00} We paid these bills with my husbands Bank of America XXXX card . In XX/XX/2020 we received various letters from the utility companies indicating the payments were reversed because Bank of America flagged payments as fraud. {$2600.00} in utility payments were reversed and we had to pay the utility company that money directly because our utilities were going to be cut off. Upon contacting Bank of America they we were told there was no claim on file and they did not receive the reversal of funds from the companies. We them proceeded to open a claim to have the situation investigated. We faxed over to them all the reversal notices we received and Bank of America applied a credit. A few months later the funds were taken from my husbands account again and we are again going in circles trying to resolve the issue. Can you please help us or give us information in who we can contact to file a complaint and have this investigated at a higher level. Thank you for your time and attention.