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

To whom it XXXX concern : My name is XXXX XXXX XXXX and the reason I am writing is to inform you that I have been trying to get with Equifax, but am very upset for their lack of response and reporting. I have done every step they recommend on removing false accounts that are reporting and yet I'm still waiting waiting for a response. It has past 30 days multiple times and at this point, and still the issue has not been resolved. I still see that they are reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Comenity bank / XXXX, account # XXXX XXXX XXXX XXXX, open XXXX, credit limit {$500.00}, in XXXX balance at the moment. I sent a dispute letter to the mentioned company back on the XXXX of XXXX by mail because it is the only way you can dispute with them. Checking my reports and saw no dispute marks, they not only disregarded my dispute letter but they didnt even took the decency to investigate my account after receiving my dispute notice. This is a clear violation to the Fair Credit Reporting Act. This mentioned company has a late mark in my account which I was never late. Their negligence as evident is causing me a great financial problem. I do not want to take this case to court, but this unfair business practices, negligence, fail to investigate my account and if I seat down with my lawyers the list of violations will just increase. Im using the  Consumer Financial Protection Bureau as my last resource to try get this company to remove that negative mark from my reports and provide me with a deletion letter through CFPB portal as soon as possible. If I have to take this case to court and let a judge decide this dispute I will. Im attaching letter I sent to them and proof of that they received the mail. Thank you!
Product: Debt collection

XXXX XXXX, never called or sent me any bills. 
My husband recalls that he received 2 calls from a very unclear voice, sounded like an overseas scam. no will even attempt to talk to such phone call. 
Several weeks later, I saw this {$750.00} on my credit report. Not sure what is it for. 
This is not how you get the invoice paid. If I owe you money, send me a detailed bill. For the medical bill, there needs to be a collaboration with the insurance and the doctor office. 

Here is the info on my report XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and discovered that you are reporting inaccurate information about me, which is a violation of the Fair Credit Reporting Act ( FCRA ) and requisite METRO2 compliant reporting standards. Specifically, the alleged collections account in question are listed to have different XXXX XXXX XXXXXXXX XXXX XXXX TransUnion {$13000.00} XXXX {$13000.00} XXXX {$13000.00XXXX XXXX XXXX XXXXXXXX TransUnion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of last activity been reported incorrectly & has a past due which is another violation FST PREMIER date of last activity been reported incorrectly & has a past due balance Under the FCRA, XXXX have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. Therefore, I request that you immediately remove these accounts from my credit report and provide me with an updated report showing your compliance with all METRO2 reporting standards, with these accounts removed upon completion. 

I expect your prompt attention to this matter and confirmation of the removal of this inaccurate information.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX
Product: Credit card

I have a credit card with US Bank. I made several attempts to pay the balance via telephone and internet. Phone kept on hanging up and internet log in did n't work. 
After I finally got to talk to somebody the bank charged me {$170.00} dollars in fees. And because I was 21 days late I am sure I was reported to credit reporting agencies. I feel I was treated unfairly paid my balance and close the account.
Product: Credit reporting or other personal consumer reports

Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. I want reported accounts removed XXXX XXXX XXXX balance {$400.00}, XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022 I received documentation from XXXX XXXX I, XXXX claiming that I owed them an alleged debt. First off, 18 USC 8 states that all debts and alleged debts are the obligations of the United States. XXXX XXXX and any person aiding them in the collection of any alleged debt shall follow the guidance in 15 USC 1692 ( Fair Debt Collections Practices Act ) and any violation of any section of this title will result in civil liability for actual damages. XXXX XXXX not only failed to provide documentation of an agreement bearing my signature I have with them stating I owe them an alleged " debt '' but they also furnished a deceptive form ( 15 USC 1692j ) to trick me into believing I owe them anything! The abuse and harassment I have received from the criminals at XXXX XXXX will not be tolerated especially when their claims can not be verified.
Product: Debt collection

Comenity Bank ( Ulta Credit Card ) has contacted me non stop for a week. There website and automated phone system was done last weekend when I tried to pay. I tried numerous times. So after that I had other bills to pay. I am paying it tomorrow because thats when I get paid. I have received 9 phone calls today alone and have attached my call log and I can happily do what is needed to verify this claim. They called me today at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX This is harassment, bullying and emotional and XXXX  XXXX. I will not tolerate it any longer nor will I be humiliated and embarrassed by this XXXX  company.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX account XXXXXXXX XXXX XXXX # XXXX, account XXXX XXXX # XXXX, account XXXX 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
Product: Credit card or prepaid card

I have filed with the FTC, I HAVE SEND LETTERS TO CREDITOR, I WRITTEN TO ALL 3 BUREAU 'S
Product: Credit card or prepaid card

My EDD BOA PREPAID DEBIT CARD WAS CLOSED for no reason since XX/XX/21 and my benefit funds was still deposited into it .. I need help to get this unlock it getting my hopeless I called boa and was told to called edd which I did and they told me they sent form to boa .and nothing yet boa told they havent gotten any or my other option is To go into their branch to show them 2 identities form. I need my card unlock ASAP I have lots of bills to pay it going 2 months now I have a balance of XXXX $ plus on it and my recent benefit that was also paid .. they locked it for no reason. My last deposit was {$1500.00} on XXXX while it still locked XXXX countless times I have called Edd and nothing wrong with my profile. BOA KILLING ME IT ALMOST 2 months
Product: Credit card or prepaid card

I purchased an appliance on XX/XX/2018 using my Citi credit card in the amount of XXXX plus tax. I submitted an online Citi Price Rewind request because I found a lower price of XXXX several days later. Citi Price Rewind is supposed to match that lower price as long as you meet the requirements in their terms and conditions. I submitted all of the required information and made sure to include proof of the lower ad that satisfied all of the requirements in their terms and conditions. 

My ad included : The advertisement of the lower price must have been published or made available within 60 calendar days after your purchase date and must be for the same item by the same manufacturer for a lower price. 

A copy of the itemized receipt for the item purchased. 
A copy of the merchant 's advertisement with the lower price for the same item by the same manufacturer. 
Effective date of sale ( within 60 days of purchase ) Sale price Model number and model year Authorized dealer or merchant name Despite submitting this proof ( which met every requirement in their terms and conditions ), I received a denial letter in the mail saying the ad was not sufficient without elaborating on which part of their terms and conditions was not met by the ad I submitted and without any indication of what would need to be different about my ad in order for the request to be approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan company Santander has removed my file from XXXX  and I have disputed with XXXX  and they removed one payment off of my report but not the whole account. Santander was in a litigation and has settled to remove bad loans off reports and they have off of my XXXX  report. I have proof of the loan erased off my credit report and can send upload. Please assist in this matter in helping clear both my XXXX  and XXXX. 

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

XXXX XXXX  is reporting incorrectly to XXXX  ; Experian and XXXX  a collection/charge-off in the amount of {$1900.00} on the XXXX XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) There was a flood and a claim had been filed for damages. I had insurance that covered the damages and the insurance company paid XXXX XXXX  directly. There is no balance due and owing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against TransUnion regarding their failure to respond to my dispute within the legally mandated 30-day timeframe. CFPB complaint # XXXX On XX/XX/year>, I filed a dispute with TransUnion regarding several accounts that I believe are inaccurately reported on my credit report and should have been included in my bankruptcy ( docket number XXXX ). These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 acknowledged receipt of my dispute on XX/XX/year>, but as of today, it has been over 30 days without a response or resolution. Under the Fair Credit Reporting Act ( FCRA ), I understand that credit reporting agencies are required to investigate disputes in a timely manner. 

I request that TransUnion remove the disputed accounts from my credit report due to their failure to respond appropriately. Additionally, I would like to know the name of the individual who furnished the bankruptcy docket number XXXX to my credit report. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Americollect called me on XXXX XXXX, XXXX, at XXXX XXXX and I could not answer the phone for them. I checked my credit, and it shows them 6 times on my credit report ; three of them are the same amount. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for the amount of {$680.00}. They also have XX/XX/XXXX - {$560.00}, XX/XX/XXXX - {$710.00}, and XX/XX/XXXX - {$1000.00}. In the state of Georgia, the debts are actually uncollectible after 4 years and these collections are over the 4 years mark. Also, I did not give my content nor do they have anything written nor signed by me that they have the authority to be collecting old debts nor have I given them any of my information. Due to this situation, I am not being accepted to open a joint account with my husband.
Product: Credit reporting or other personal consumer reports

They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( XXXX ) for which the report is being obtained and certifies that he report will not be used for any other purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Hi. The dispute number XXXX was just opened by someone named XXXX. He basically refused to remove the items in the attachment off of my report. I have stated that the other bureaus have removed them because they know that they are not mine. I have verbally spoken to the XXXX and they verified that I am not in the system. They can not remove something that is n't showing up in their system. The last dispute that Equifax shows in their system was in XXXX, which is incorrect. Equifax has repeatedly shown that they have no regards for the law or for anyones credit since it does n't affect them. As of this morning I have filed a lawsuit against Equifax. I have attached my intent to sue letter with the accounts listed in the letter. I gave them the chance to remove the items and they have n't. They have n't responded within the time frame that they gave. They keep inaccurate records. They finally deleted inaccurate addresses off of my reports after filing complaints. I am going after Equifax for the full amount that the law allows. Their inaccuracies on my report is not helping me and it is hurting my family and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts ON THE FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In 2020 I noticed that My Credit reports were not correct as I went through the mindless process I contacted all 3 agencies. Transunion and XXXX showed incorrect information sometime later I noticed that I had XXXX XXXX inquiries on all 3 reports. I contacted all 3 XXXX said they investigated. I told them about all 29 early in the day that night late I was alerted that they were all valid. The same with Transunion they both refused to dispute any of these since .I started noticing I was being reported for hard inq. for things I didn't apply for. I froze all 3 accounts or so I thought. XXXX was the only one that froze my account. Now I have Fraud alerts I can not get rid of on all accounts I need XXXX and Transunion to stop playing XXXX and remove all these inquiries and one write off for something called XXXX XXXX
Product: Credit card

XXXX XXXXComenity bank credit card bill has been paid in full, but a late fee has been applied to my account and a second fee was applied with interest because the late fee was not paid. So now the balance reflexes two late fee and interest. I don't understand when the balance has been paid in full. Why they would charge a late and a second late fee and interest for an account that has been paid in full. When I try to talk to someone, they hang up on me or say they can't verify my account. On XXXXXXXX  I spoke to XXXX ID XXXX. She did not give me any help and the hung up. I have always had auto pay for this account. This company has removed it. The also has placed this on my credit report for late for XXXX dollars a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$540.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} 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  {$1600.00} XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXXXXXX {$410.00} XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Weinman Acquisition Group continually calls me after I told them to STOP calling my phone. The rep goes on to say I will call you three more times how bout that and do what you have to do?? I 've emailed and called them to stop these harrassing phone calls and they still do so. Now I will file a lawsuit in court. Also stating a warrant for my arrest would be served if I do n't contact them. I have a voicemail stating that.
Product: Money transfer, virtual currency, or money service

My wife lied to her Bank XXXX XXXX that payments was falsely made from her account to Barclays Credit Card when we have made payments from her account to my credit card for over 12 months ... Barclay refused to investigate and ignorantly returned the money back to XXXX XXXX without doing an investigation. Now they are trying to collect XXXX from me that I have already paid from my wifes account... 

I told them will give an affidavit and will help file criminal charges against her but they refuse to dispute the matter with XXXX XXXX
Product: Debt collection

This debt is an old debt back from XX/XX/XXXX that I have been harassed by XXXX for. I currently have a modification saying that I owe XXXX that was dated XX/XX/XXXX. They garnished {$60.00} from me on XX/XX/XXXX. On XX/XX/XXXX they took {$370.00} out of an account that was not mine. I am a signer on someone elses account and they took money out of their account, and my savings and checking. They left all accounts with a XXXX balance. The person whos account they took from is not my spouse and it is not their debt.
Product: Checking or savings account

Citibank mailed us a cash bonus offer to earn {$500.00} by depositing {$15000.00} in a qualifying checking account for 90 days. We went to the nearest branch on XX/XX/2018 and signed up with the banks representative. The rep suggested my wife also open a second checking account with another {$150000.00} to earn an additional {$400.00} dollar bonus. Around XXXX a {$100.00} bonus appeared on my checking balance. That left us {$800.00} short. It's been over 7 months now. I called the bank representative and she said they would look into it. She reported we were not getting the bonus money because ( surprise ) we needed to open a savings accounts too. This was never mentioned before. I searched the fine print and it states one can open " either/or '' checking or savings accounts as long as one or the other maintains the minimum balance. 
In short it looks like a bait and switch to gain free use of the money.