23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disagree with the original response Re : Case # : XXXX, re disputed with no response, how can one statement showing XXXX min payment of {$1900.00} owed validate an account that is against me. I have rights to, where is the initial contract, the validation of when the last payment was made on this account etc. I do not agree with this copy of one statement in court can validate an account. If fraud happen and you provided one statement this does n't help any of the parties. Your response I do not agree with and your company has failed to provide me validation.
Product: Credit card or prepaid card

I made my monthly Target RedCard payment on XX/XX/2020, using the same checking account I have used to pay it every month since the account was opened. The payment cleared my checking account within one business day ( that is, on XX/XX/2020 ), and the payment was listed as posted on my online RedCard account with one business day as well. My available credit did not reflect the payment, but I assumed it was a fluke and thought it would update soon enough. On XX/XX/2020, I received my next month 's bill from RedCard which reflected the payment made XX/XX/XXXX, and showed my available credit as updated ; however, my online account did show this update to my available credit ( and an attempt to use my card at a Target store demonstrated that the online account was accurate - my available credit had not been updated ). I called Target RedCard ( on the day I received the next bill - XX/XX/XXXX ) and was given the run around. I was told my payment was being " held '' and could get no information on why it was being held or when the hold would be released. 

On XX/XX/2020, when my available credit still had not updated, I called Target RedCard a second time and received the same lack of information. My payment was still being " held '' with no information as to why or as to when it would be released. I have never experienced this before with any credit card company, and the fact that I received a bill reflecting my payment during this time when it's being " held '' is especially galling. I have tried to obtain a copy of the RedCard Cardholder 's Agreement to see their policy on arbitrary payment holds, and I have been unable to obtain one. You can only obtain one by requesting it online, and when I do so, I am told my zip code is invalid, and thus the request can not be completed ( I'm using the zip code on my Target RedCard bills ). 

I intend to keep the card just long enough to see this resloved, and then I intend to cancel it. Who wants 5 % off with a store-specific card when you can earn 5 % cash back with a non-store specific card AND your payment will be processed on time?!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you report inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. XXXX XXXX XXXX Account Number XXXX Please remove this information on my credit report. 


2. XXXX  XXXX XXXX XXXX Account Number XXXX Please remove this information on my credit report. 




3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Please remove this information on my credit report. 

4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Please remove this information on my credit report. 

5 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Account Number XXXX Please remove this information on my credit report 6 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number XXXX Please remove this information on my credit report. 

7 XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number XXXX Please remove this information on my credit report. 


In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX  XXXX XX/XX/2020 {$1200.00}
Product: Credit reporting or other personal consumer reports

EQUIFAX and XXXX have some other people information on my account I havent consented to or agree to those accounts and or companies. This needs to be regulated a little more. Ive spent XXXX of dollars on credit repair and monitoring f for identity theft protection. Theyre no good either. Please reference the consumer protection laws/rights that allows them to get away with this.
Product: Debt collection

On XXXX XX/XX/2019, a representative, XXXX XXXX, of XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, DE, XXXX phone number XXXX ext. XXXX contacted me at XXXX Hours XXXX XXXX and threatened me by way of stating that she, " will take you ( me ) to court and get a judgement against you ( me ) '' if I did not agree to make a payment to them. I had already informed her that I am on social security and I can not afford to pay. The representative repeatedly stated this until I said that I might be able to pay {$5.00}. At which time she began to belittle and berate me that she, " didn't know if that would be acceptable. '' When I requested a written letter about this debt I was informed that no written letter will be provided. I am reporting this to the CFPB because I fell that this type of coercion and abuse will continue if it is not reported.
Product: Debt collection

This company is attempting to collect a debt I do not know anything about. Within the last week I was made aware of the debt they are trying to collect upon. Although I am not familiar with the debt I am willing to settle it with a payment of {$100.00} in exchange for a complete deletion from my credit report. I have an important transaction I would like to handle ASAP that requires this account to be removed from my credit report. If you do not accept my settlement offer, I demand validation of the debt you seek to collect.
Product: Checking or savings account

The date of the fees is XX/XX/25. I called the same day. the chatbot name was XXXX XXXX I called at XXXX XXXX bank charged me ACH fees and offered no additional information. I called as soon as the fees hit my account. I contacted bank but they refused to let me talk with the fraud department. They refused to let me talk to manager. They refused to let me talk to any human at all. I was denied a transcript of a conversation with chat bot or an employee. I am unsure of what was happening with a chat bot and requested a call on the number on my account. instead she wanted my personal info. I thought this may be part of the scam. I begged to talk to a person and " she '' or it kept avoiding my request. 

Vytarcu does not take sufficient measures as to fraud reporting. there should be a way to report fraud 24/7. they have a history of technological failures and have not been transparent in the past regarding their online banking system and other technologies. Please see articles in the XXXX XXXX newspaper in XXXX for reference. Short and simply put, dont trust this bank with your money. They have no idea what the word " Fiduciary '' even means.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I sent a remittance coupon to my bank to deposit the funds into my account but the stamp duty was incorrect. On the coupon I instructed them that they had 3 days to return the negotiable instrument if they did not accept it. It has now been over a month and I have not heard from them.
Product: Credit reporting or other personal consumer reports

I have contacted each company on my XXXX XXXX XXXX bureau. There are inquires and accounts that don't belong to me. I was told by each bureau that the inquires/acct. that they were unable to remove to call the company directly. Each company advised me that I didn't have an account with them and unfortunately they could not supply me with a letter to verify. 

XXXX XXXX GM Financial 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Identity Theft & Fraud, that was never blocked/removed, these accounts were joint accounts with my husband, on my account. Duplication Accounts, Inaccurate Accounts Accounts Information Incorrect, on loans balance, payments amount. Account not charge of paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXAccount # XXXX XXXX XXXX  : Account # XXXX XXXX XXXX  : Account # XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX  : Account number # XXXX XXXX XXXX XXXX  : Account number # XXXX XXXX XXXX XXXX  : Account number # XXXX XXXX  : Account # XXXX XXXX & XXXX : Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : Account XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXAccount XXXX XXXX XXXX XXXX-Account # -xxxxxxxxx XXXX XXXX-Account # xxxxxxxxx XXXX XXXX  XXXX : Account # XXXX XXXXccount # XXXX XXXX XXXX-Account # XXXX XXXX  XXXX XXXX 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 # XXXXXXXX  TRANSUNION : XXXX XXXX- Account # XXXX 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
Product: Credit card or prepaid card

I have been reaching out to Apple/ golden sachs about a dispute that I submitted since XX/XX/2022. This dispute was because I was not rendered services that I was promise and I asked for a refund from merchant but they hadnt sent it in a week so I did a dispute. I have been given the run around, I am entitled to my full balance and they will not free the money which is putting me in hardships bc this is my everyday use card. 

Ive talked to supervisors, agents and even have sent over documentation that should have this resolved and closed.
Product: Credit reporting

I am writing to inform you that Perfection Collection LLC has placed information on my credit file even though I had disputed them within 30 days. They are a third party debt collector and I have not contract of agreement with them. They continue to report the negative information on my file as if I have a current account with them. The account was sold to them in XX/XX/2009, and was discharged in a Chapter XXXX filing.
Product: Credit reporting or other personal consumer reports

I had an account show up as a closed account and charge off on my personal credit report, this was NOT a Personal Debt it was a company Debt, we have tried multiple times to resolve the matter with Experian and XXXX with no valid response except it was valid, this had never reported on my Credit Report, we also asked for any signed paperwork from XXXX and have gotten none, if that was provided to Experian it was never provided to me.
Product: Credit reporting or other personal consumer reports

Dispute and Request for Update of Personal Information I am submitting this complaint against regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 
2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX while my credit report shows an outdated address of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my current address be updated accordingly.
Product: Payday loan, title loan, personal loan, or advance loan

My payday is every 2 weeks. My limit at Empower, or their Thrive loan service, is {$400.00}. 
On XXXX XXXX, I took a draw for {$200.00}. Even though I selected their " Split in Two '' payment method, which should have been 1 on XX/XX/XXXX, and XXXX on XX/XX/XXXX, both were charged on XX/XX/XXXX at {$100.00} each ( they charge interest, which I'm fine with ). This got my available credit back to {$400.00} from a previous draw. 

Due to the double payment at that point, and not being able to work a certain amount of time, I needed to take another draw on XX/XX/XXXX for {$200.00} with the same " Split in Two '' payment method, which made the next payments of 1 on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

I ended up taking another draw on XX/XX/XXXX with the same " Split in Two '' payment method, which should have made the next payments of 1 on XX/XX/XXXX and 1 on XX/XX/XXXX. However, again, it failed to work that way, and everything was charged on the XXXX. 

I reached out multiple times for assistance over the last week about not having to wait 3 days for the funds to become available, and for my limit to increase, but they ignored all my emails, until I finally got their app bot to send an email for me. All communication today has been nothing but a back and forth and refusal to help me. 

My bank account that I used to pay these draws back is now negative again, because I've been charged three times today, when it shouldn't have happened. They're refusing to help me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against LexisNexis regarding their handling of a dispute I initiated concerning a public record on my credit report. On XX/XX/year>, I mailed a dispute letter to LexisNexis, in response to their previous communication dated XX/XX/year>, which provided the results of a reseller dispute concerning a public record. In my letter, I requested that LexisNexis remove the unverifiable bankruptcy record from my credit report, as they had indicated that they did not receive a response from the dispute they filed on my behalf. According to the Fair Credit Reporting Act ( FCRA ), if a credit reporting agency is unable to verify disputed information within 30 days of receiving the dispute, the information must be removed from the credit report. 
On XX/XX/year>, I received a similar response from LexisNexis, stating that they filed my dispute with XXXX and XXXX on XX/XX/year>, but had not received a response from them. No mention was made regarding XXXX. To date, the public record still appears on my LexisNexis credit report, despite LexisNexis being unable to verify this item. 
I am now requesting the immediate and permanent removal of this unverifiable public record from my LexisNexis credit report. Additionally, I request that LexisNexis notify all relevant credit bureaus, including XXXX, XXXX, and XXXX, to remove this item from my credit reports as well.
Product: Credit card or prepaid card

I applied for the Savor One Capitol One credit card. I was accepted and they said they sent the card. I never received it. From XX/XX/2020 to XX/XX/2020 we went back and forth with calls because they issued me a new number but never sent another card. 3 months passed and I was never able to activate and use the card within the 3 month spend {$500.00} get {$150.00} back rewards. This is the whole reason I got the card. After calling them they said they could send another card but would not honor the cash back reward. So I closed the account. What a waste of time and a ding on my credit score for applying.
Product: Debt collection

Requested that the company via account disputed with XXXX, XXXX to verify that the debit was paid directly with XXXX on XXXX of XXXX via debit card. XXXX XXXX failed verify debt or even request proof I payment from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$110.00} ; 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 have requested the removal of fraudulent/unauthorized inquiries with Equifax many time. These inquiries are damaging my credit report and opportunities to obtain credit. 
These inquiries have been removed from my XXXX & XXXX   report. I am now requesting Equifax to remove these inquiries.
Product: Mortgage

In XXXX, we got a construction loan from South State Bank, XXXX, Alabama. We were told that per our closing statement all the money was utilized for our construction loan. When we went over the construction loan there was {$10000.00} that was unused, we notified the bank went over the closing statement several times via email and the loan officer and was told that that money was utilized. So we had to reopen our mortgage to get an additional {$9000.00} to finish our project which we incurred more closing costs and interest due to reopening the mortgage. IN XX/XX/XXXX S. state bank called my husband XXXX XXXX and told him there was {$10000.00} still sitting in our construction loan account and that we can go ahead and withdraw the money not only was the money still sitting there for two years, they charged us a fee for allowing that money to sit there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I few months back for first time pulled my credit report and I seen that XXXX was on my credit report I have never got a account with them or appiled or ever even used them I disputed the account and they sent me a letter stating they investigated it and came back to me and I never received the method of verified information on how it would even be possible they could since I know I never opened this account! I also then sent my FTC report and they again sent me same letter the sent month or so before that they fount this is my account but never any information on how this is fount to be when I know this isnt my account. I sent them my ftc report and the FTC rights and still reporting and to top it off not only reporting a account that isnt mine but also reporting inaccurate information on my report for this account also. stating it is a closed account but keeps updated to different items and late payments which how can you have late payments on a closed account? This company is violation of my rights from me sending my ftc report. From never receiving their proof of how this is fount to be my account because no information was sent to me and also reporting inconsistencies information on my report on equifax. I will upload all the inconsistencies and also I sent them again a email with my ftc report. Stating last payments where made on one date and on another report a whole few months off on another for last payment when I know this isnt my account so I know Ive never made a payment to account never opened or knew about and also opened days of account inconsistencies and also closed dates are inconsistencies this account is violation of my rights and needs deleted now!