23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint regarding inaccurate information on my consumer report that resulted from Identity Theft.These inaccuracies have significantly and unfairly impacted my credit standing. Despite my previous efforts to address this issue directly with your agency, the matter remains unresolved. 

The items in question are 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 ] These accounts are incorrect and do not accurately reflect my credit history. I am requesting an immediate investigation and the removal of the erroneous information from my consumer report as required by the FCRA 605B ( 15 U.S.C. 1681c-2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt To support my dispute, I have enclosed the following documents : A copy of my government-issued identification and proof of address for verification purposes. 
Please address this matter promptly and provide written confirmation once the investigation is completed and the inaccuracies have been resolved. If additional information is required, I can be reached at the contact information provided above. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made a transaction with XXXX XXXX XXXX for a XXXX that was to happen on XX/XX/2022. On XX/XX/XXXX they changed the XXXX  XXXX center and the doctor that I initially requested. At that time I told them that I did not want the surgeon  that they assigned me due to that doctor being involved in a death of a patient of his last year. I then expressed that I wanted a refund and would not be following through on XXXX since the doctor that I requested could not be assigned to me. On the morning of XX/XX/XXXX I logged into the patient portal to put through the paper work for a refund, at that time I no longer had access to the patient portal where the merchant paperwork that I signed states the only way that I could request a refund would be through the patient portal. I no longer have access to my records or documents because I have been denied access to the patient portal. Multiple attempts to resolve the issue with the merchant went unresolved and unanswered. I then filed a dispute with my credit card companies based on the fact that XXXX took my money and refused to attempt to resolve this issue with me. My credit card companies have then come back to me stating that I need to show that I attempted to cancel with the merchant XXXX. I then sent in text messages and emails and my claim was denied because they said that they could not accept electronic communications as proof. The merchant is in XXXX Fl and I live in XXXX DE all of our communications are electronic and the merchant has taken my access to documents away from me I have no way of providing the information that my credit card company is requesting. The merchant has not stopped communicating with me. The merchant has my money and has not provided services.
Product: Student loan

I contacted my lender ( Navient ) to change my income-based repayment plan. My original monthly payment was {$520.00}, which is not sustainable when my cost of living is considered. I pay over {$1000.00} in rent monthly not including other bills that I am responsible for paying. I was told by a Navient representative over the phone that I would need to re-submit an income-based repayment application with proof of income again. The customer service representative then stated that I would have to call back once they receive the application and I would then have to pay approximately {$1500.00} in full or I could submit a partial payment and go into forbearance for the rest until my new payment plan is in place. I can not afford to pay such a large sum of money all at once and should not be penalized for that.
Product: Credit card or prepaid card

Hi I recently closed my credit card account. I was told I would retain access to thank you rewards for 60days, but my access was revoked. I am still in the 60 day period. 

Secondly the thank you rewards website says cash redemption of points is $ XXXX XXXX, but customer service insists it's XXXX points. See screen shot from your website, this website is publicly available on XXXX, but Citi denys this offer and insists on double points. 

I have don't the following to resolve : -Called 4 times gone upto manager level to make them understand but they won't listen -asked the XXXX team to step in but to no avail, they ended up calling me and transferring call back to the thank you rewards customer service.
Product: Checking or savings account

I tried to open a new checking 360 account at capital one banks, providing all the required documentation and details and fulfilling the necessary formalities. However, to my surprise, my application was denied without any valid reason or explanation. I tried calling the number provided and I was told that the bank has decided not to have any relationship with you, without giving any reason as to why. I remember facing a similar issue with capital one in 2020 but i ignored it. I firmly believe that this decision was based on discrimination, as I fulfilled all the standard eligibility criteria and provided all the necessary documents. I request that appropriate action be taken to rectify this situation, to prevent similar incidents from occurring in the future, and to ensure that the bank complies with all anti-discrimination laws and regulations. I trust that the institution takes this matter seriously and will take immediate steps to address it promptly. I am willing to provide any additional information or documentation that may assist in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover financial services agreed to remove the late payments due to the hardships brought upon me by the pandemic, and have yet to do so. Under the CARES ACT, they agreed to apply a courtesy update removal as long as I set up a repayment plan. They have yet to do so and are in violation of CARES ACT and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a matter that I previously brought to your attention regarding these unidentified and unverified negative accounts on my credit report associated with : -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -Experian -- -- - 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 or other personal consumer reports

I've never been late on my accounts. Remove all late payment entries IMMEDIATELY!!!! 

XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections.

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request.

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. 

I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. 

I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate. 

Thank you for your assistance.
Product: Checking or savings account

Purchased fish tank with live fish and corals for {$2100.00} asked how to ensure the set up and transport safety of fish, was charged additional fee of {$100.00} to guarantee them, and the owner brought fish tank to my home! During set up he broke an item off the filter. He struggled getting the tank to turn on and also did not set up lights with me properly! He told me not to worry that he guaranteed everything through the process and fish would be fine even with broken piece on tank! Next day there were issues, he sent some one out to check tank! They worked on it. He also led me to believe this item was only 1-2 years old. Later in text disclosed it was almost 10 years old. I asked him to return it he said no problem he would get someone over to pick up tank! He came and picked up tank! He told me in text he would refund money! Never did. I started dispute with Bank of America they sided with him bc he said he doesnt do returns! There was never any note, or discussion during or through the return or him picking up item telling me he had no return policy until after I filed claim with my bank. He said he guaranteed the item by delivering it and setting it up bc he knew what he was doing. After claim with bank he sent message saying he would give me {$400.00} cash and {$400.00} store credit that is all! I refuse to accept that since I have no item and didnt even have the tank a week
Product: Credit reporting, credit repair services, or other personal consumer reports

experian reporting an was unauthorized XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer credit report and the company XXXX XXXX has inaccurate information reporting on my consumer report. 
XXXX Account number XXXX stated that there is currently reporting that there is an amount due. I have contacted experience on several occasions to perform a thorough investigation and re-investigation providing accurate information. It was stated in a report that the credit bureau completed both a procedural investigation and a reinvestigation deeming the information as accurate. I have asked for proof of how this re- investigation was done and how this information was verified and was not provided with a response. 

This account was reported as charged off on the following date XX/XX/2024. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This is inaccurate information falsely manipulates the statute of limitations. The account failed to be investigated properly and the neglect has violated my rights. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX Under the Fair Credit Reporting act this account may not appear on my credit report if it can not be supported with proper evidence. I have asked and submitted substantial documentation to have this account removed from my credit report and that the fair credit reporting act is followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score took a 67 point decrease and showed a hospital derogatory of around {$15000.00} being the cause. I called the hospital and was told that they did not report to credit agencies and there was a mistake? after days of applying for SBA assistance loans and being declined because of this showing up I went to pull my report where the derogatory was so I could send to the hospital proof that someone had posted it??? 
The derogatory with hospital in the filers name was not there?? this sounds like something crooked going on??? and it seems that all the bureaus hide behind a cost to me to fix their mistake!!! I can not contact any of them to even inquire??? 
can you help
Product: Debt collection

Hello, This company has to be stopped. Their collections tactics are inhuman and the way they speak to consumers should be a crime.I 've been harassed for trying to solve the issue in a decent/respectful way. This company has been reported an account from the year 2020 with an inaccurate balance. The amount reported is incorrect and they have been increasing the reported amount monthly, which is highly illegal for a closed account. I have had several conversations with their representatives. I've been cursed out, told I was a XXXX XXXX XXXX and that they will ruin my credit and make it impossible for me to ever rent again in the United States. They have contacted my mother and threatened a warrant on my arrest if she didn't have me to call them immediately. My mother who is already in poor health suffered a XXXX XXXX XXXX after their threatening and degrading phone calls. Can someone please help me solve this debt with this company. The reported amounts are inaccurate and they have blatantly stated they are out to ruin my credit/reputation. This debt is also a joint debt which I've tried to explain countless amounts of times to no avail.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 2.XXXX XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX - XXXX  # XXXX, Account name : 3.XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX # xxxxxx XXXX, Account name:4XXXX XXXX XXXX # XXXX XXXX Account name:4.XXXX XXXXXXXX XXXX # XXXX, Account name:5.XXXX  XXXX 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 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

My name is XXXX XXXX I have disputed this account multiple times it has been more tha 90 days and the account was not removed even tho I claimed identity theft with FTC and iam federally protected consumer all companies involved are now in violation of the fair cares act law 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST TWO LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT # 3 - 15 USC 1681B - PERMISSIBLE PURPOSE YOU CAN USE THIS LAW TO CHALLENGE CREDIT REPORTING AGENCIES TO SHOW WHERE YOU PROVIDED WRITTEN PERMISSION FOR A NEGATIVE ITEM TO BE ON YOUR CREDIT REPORT. IF THEY CAN'T PROVIDE IT, YOU CAN LEVERAGE THIS LAW TO HAVE IT DELETED Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

USDOE/XXXX Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$10000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$10000.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Account closed due to transfer Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

I was not given notice of the open account by collect tech in XXXX. According to my credit report it has been open since XXXX and I received no letters or calls. XXXX  hospital, the company who the debt is from also failed to contact me about the debt either by call or mail. I called the hospital and they stated they did not have me on their patient records. This is the second time Collect Tech has started an account against me and failed to reach out regarding the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Procollect. They have falsely added late payments to my credit profile. In good faith, I paid off a debt with them around XXXX. The debit was for a leftover balance for pest control, not rent. The debt holder was XXXX XXXX. Even though the charges were false and I never signed for this debit. I paid to get it off my credit. So I could get an apartment. Pro Collect has violated my rights by adding false late payment history after the fact of I paid them. This has severely hurt my credit. Because of their false reporting, I have been denied a place to live. To say I have a late payment history with them is to say I had a payment plan or a planned scheduled payment date. There was never a plan or payment date in place. This is and was false information added to my report after the fact of paying my debit off. Please help me get these late payments taken off as quickly as possible. Thank you
Product: Checking or savings account

My checking account and line of credit was hacked and approximately {$80000.00} was taken and spent in a foreign country. Wells Fargo failed to monitor my account and I did not learn of it until my next bank statement arrived over ten days later. I immediately contacted Wells Fargo and they said they would look into it. A check for approximately 10 % of the amount taken was sent to me and Wells Fargo declared the complaint was settled. When I disputed this resolution they then said they were reopening the matter. Since then I have heard nothing from the bank. I have heard nothing from them about their " continuing '' research and do not know anything more that stated in my initial complaint other than that it is still being studied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXXXXXX XXXX XXXX ACCOUNT : XXXX. 

XXXX XXXX XXXX  ACCOUNT : XXXX. 

XXXX XXXX XXXX  XXXX. 

15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

And if I did not provide any written statements, that is consider identity theft
Product: Student loan

I utilized student debt Usa from XXXX to XXXX. They promised to ensure I would have the lowest monthly payments and ensure that I received loan forgiveness. They charged me and my wife a monthly fee, and we discovered that through the pandemic they had not done anything with our loans. When loan payments resumed, our payments were high, they had not recertified employment or income, and our bill was double what it should have been. We cancelled with them in late XXXX and they continued to charge us for months and would not stop our monthly payments. We attempted to get these funds refunded, which they refused and continued to charge us. They no longer answer our phone calls.
Product: Money transfer, virtual currency, or money service

I think I was charged fees when I had fun available which I shouldn't have been charged
Product: Credit card

I received a credit inquiry from XXXX around XX/XX/year> and then received a letter in the mail from Comenity Capital Bank regarding an Ulta Beauty Rewards XXXX that I did not open. The letter is dated XX/XX/year>. I called XXXX and they told me that I was charged {$500.00} in the last few days and I told them that it was fraud so they are putting a hold on the account. The Inquiry also made my XXXX XXXX drop. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I initiated a dispute with all three credit bureaus regarding XXXX XXXX credit card account XXXX. The investigation came back as verified, however I did not ask for verification that the account was mine, I asked the CRA to verify the date of first delinquency being that there is conflicting information for this account as to when the first delinquency occurred ( see attached report ). This account is approximately 7 years old and should be deleted from my credit file.
Product: Debt collection

On XX/XX/2022 I sent a cease and desist letter to Discover and debt validation. Discover did not respond at all. I listed the violations and my specified remedies for civil penalties for violating FDCPA. Discover did not have prior written consent to contact me about a debt. Discover has reported late payment to credit reporting agencies. 

I am a victim of identity theft because Discover gave my cellphone number to a skip tracer to call me. Discover misrepresented a credit of {$5700.00} as a debt. The amount is showing as a positive balance. 

On XX/XX/2022, I received a collection letter from Discover after they were sent a cease and desist letter. Discover did not pay the civil penalties of {$14000.00}. 

References : 15 USC 1692 15 USC 1643