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

In response to the Credit Bureaus XXXX XXXX, I am submitting this CFPB Complaint. Their conclusions do not hold water with me, and I demand complete accuracy. I am now requesting more information from the credit bureaus about these specific items in question because I am not happy that enough was done to actually contact the creditors who are reporting this information on my report. Sections 609  ( a ) ( XXXX ) ( A ) and 611  ( a ) mandate that these accounts be verified by the XXXX credit bureaux ( XXXX ). ( A ). It is unacceptable to treat these reporting stories as unverified rumors without providing evidence within the prescribed window of time. Sections 609  ( a ) ( XXXX ) ( A ) and 611  ( a ) of the FCRA ( XXXX ). Please look into the following unverified accounts ( A ) : XXXX XXXX XXXX  XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached letter and FTC report.
Product: Credit card

Interest was charged on my account even though I had paid the bill in full and a full week before it was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023, CA XXXX XXXX Attention : XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dear XXXX XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX : XX/XX/2023 Made with : Experian To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interes Finally, assumin you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I was to go to XXXX, Florida and purchase a car that my son had found me at the dealership he was currently working at. The company is XXXX XXXX XXXX XXXX XXXX. I was on my way from XXXX, MS to purchase a vehicle when my son advised he was not getting commission on the vehicle that I was purchasing. He said I could still come purchase it and he would stay through the sale however, he was leaving the company after that. I still had planned on going and he called back and advised that the dealership advised they did n't want my business and XXXX could pack his desk and leave. My son XXXX then called me and told me to turn around they did not want my business and I asked to speak to XXXX the finance person and he refused to speak with me. I have a witness in my car hearing the conversation. I then called back and wanted to make sure they had nothing on my credit. I then come home and checked and sure enough on XXXX XXXX 2017 they checked my credit without my consent or signature. There are several hard inquiries on there now from XXXX XXXX 2017.  I then contacted the XXXX XXXX XXXX after they did n't want to speak with me on the phone, and no one returned my call. XXXX had tried two attempts to resolve the issue, they did n't respond and I received an email on XXXX XXXX 2017 advising no response and this negative information will be reported for three years for XXXX XXXX  XXXX XXXX XXXX of XXXX, Florida. I just purchased a car at the current company my son is a XXXX at and seen there is still the ones from XXXX XXXX 2017. THIS IS THE EMAIL THEY SENT ME : COULD N'T UPLOAD ... .... XXXX Logo XXXX XXXX 2017 XXXX XXXX Re : Complaint # XXXX - XXXX XXXX XXXX XXXX XXXX In the absence of any response from the company to this complaint despite our two requests to them, we are closing our file on this complaint. This unanswered complaint will become part of the information we report to the public on this company for the next three years. Should any government agency request our files on this company, your complaint will be included. If you have settled this complaint directly with the company, would you please let us know that, as well as any other comments you might have. Your help in doing this is important to ensure that our report to the public on this company is accurate. Thank you for using XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I received a copy of my credit report with the intention to trying to improve my credit and take care of my liabilities and noticed an issue on my previous account with a lender. I know the information associated with the account is not correct and needs to be updated. Unfortunately, my experience with XXXX XXXX in the end was not fond. On XX/XX/XXXX, I received a letter ( attached ) from XXXX XXXX informing me they were closing my credit card account with a refund of {$50.00}. This in turn showed me I did not owe them any monies after XXXX XXXX closed the account. I deposited the check and shredded my card for no usage. Recently, unfortunately, I received a notification that my credit balance increased and XXXX late payments were reported to the credit bureau. This lowered my credit score for months after I went through hardships of building my credit back up from being labeled poor. Another issue I have is that XXXX XXXX does not have any record of sending the letter to me so my account incurred charges, late fees, late payment on my records and credit report. 


The Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am sure is not up to date. 15 U.S.C.Sec. 1681i ( a ) gives me the right to request the account deleted if they do not make the account 100 percent correct or up-to-date. I saw on a credit site and board where this lawyer said they have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing, not up-to-date or correct. Below please complete the following to update the account or delete the account entirely : Account Name : XXXX XXXX Account last XXXX : XXXX Close my account with the closing date of XX/XX/XXXX not with the date of XX/XX/XXXX. 
Remove any late payment dates after XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX late payment reported after XXXX XXXX closed the account ) Waive all the late fees and charges on the account incurred after XX/XX/XXXX ( account was supposed to be closed ). 
Change the credit card balance on the credit report from $ XXXX {$250.00} to {$0.00} ( prior to closing the account, it was paid up. That is why a check was issued to me ). 
Change amount Past Due to {$0.00} Change worst payment status to Current Please see attached XXXX XXXX letter that was received on XX/XX/XXXX stating they were closing the account with the refund amount of {$50.00}. In addition, the reported misinformation on my credit report as of XX/XX/XXXX is attached. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I continue to be charged {$25.00} monthly from citibank. I call every single month and I 'm told the same story about how the charge is being reversed. I have spend over 4 hours on the phone ( not include the times my husband has called ). We want my money back! I did not sign up for an account that would charge me a monthly fee and I am continuously told they have downgraded my account and we will not be charged. When I call or go online I see the charge once again, month after month. This is a deceptive practice and I bet XXXX people are being charged and not realizing it. I do plan on leaving citi, however my mortgage is also with them so it is more difficult to switch banks. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a credit card account on my credit reports that are NOT mine. I have reached out on several occasions requesting proof that I am an officer or owner of the corporation who the account was opened for. They have yet to provide such proof. In addition their employees are misinforming and breaking XXXX  policies listed on their website. Only an owner, officer of the company or officer with POA can open an account. I have also written to the credit bureaus requesting this account be removed from my credit report as it has damaged my EXCELLENT credit history.
Product: Debt collection

Originally obtained auto loan through XXXX in XX/XX/XXXX. I was unable to make the payments and gave the car back to XXXX. They auctioned the car, but never gave me notice about amount sold for or any deficit. 

XXXX XXXX purchased the debt in XX/XX/XXXX. The claim they sent me a letter to dispute the amount owed, but I never received any letter. In speaking with XXXX ( Mr. XXXX ), I was told they sent it to a specific address. However, I never used that address on my loan application, nor had I lived there in the past 10 + years. XXXX refused to answer questions. I sent an email with several questions, but they again refused to answer same. XXXX claims the car was sold for {$7600.00} However, my credit report shows XXXX. He refuses to explain the additional amount. he said he was will to negotiate. 
This should not be on my credit report, because I never had the opportunity to dispute anything, including the amount owed. 

Please see attachment with questions sent to Mr. XXXX.
Product: Debt collection

the company general revenue corp is currenty reporting a collection account on my credit file that i have no knowledge of. I was never sent a DV before they decided to report on my credit file. This is not my account and i do n't know why they are reporting this debt on my credit file
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/XXXX
Product: Mortgage

I am a recent widowed mother of XXXX young children. My husband was a United States XXXX and a Veteran. I have submitted a complaint to your company before due to Freedom Mortgage not working with me and My world came crashing down and changed in just a matter of seconds when we went to bed XX/XX/2018. I couldnt imagine that would be the last night my husband would be alive. XXXX XXXX XXXX XX/XX/2018 my life changed forever. XXXX suffered from XXXX and some other issues due to fighting for our country. My husband lost his life that night. 

My kids were my first thought and then everything else came later. I WAS ABSOLUTELY DEVASTATED. I could not go back to the house for months.When I finally did I tried so hard to keep up with all the bills but I wasnt able to. As a single mother with no help, no job or degree. My veteran benefits were not coming I was stuck so I fell behind on the house I didnt know how to go about things I was so scared. I am not on the loan or title of our home, only XXXX is and there was not a Will. The only thing I have is a letter XXXX wrote stating that I am to receive everything if anything happened to him. 
I did get my auction date postponed and have been in touch with the lender as I have been working on probate which has been a long process.My first court date on XXXX XXXX the judge said my petition was poorly done and I had to have a lot of things done to correct it so the next soonest court date was just XX/XX/XXXX and I was finally granted the petition for probate. I let Freedom Mortgage know what I have been doing and asked for a little more time and to postpone the auction so I can save my home and act in good XXXX want to save my home. They stated they could not do a postponement. This is the only home my children know. We have no where to go and no one to help besides the one person who reached out to me. She has been helping me learn about all of this. We have done everything to try and get the auction date postponed but Freedom Mortgage wont work with me. I now have a job and my VA benefits and can make payments and keep up with all my bills. I dont know what else to do.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i file for disputing some accounts from my credit report. i file a dispute with XXXX. XXXX and Transunion and all of the accounts came back as verified and updated. 

Here are the account i file for dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Best Buy Credit Card and the Bank is Citibank. I made an morning online pickup purchase for a computer and XXXX XXXX on XX/XX/XXXX and canceled it online later in the afternoon the same day. I never picked up the purchase. Although they did give me a credit for the laptop for {$210.00}, they did not give e me a credit for the XXXX XXXX for {$100.00}, see uploaded letter I sent them on XX/XX/XXXX disputing the {$100.00} and now on my most recent statement they raised the balance to {$130.00}. I can not reach anyone by phone and I'm receiving emails demanding payment and have received nothing in writing about resolving my dispute inquiry. I have not used the credit card at all after XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$340.00} XX/XX/XXXX XXXX  XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$510.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$930.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

( Under the Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( b ) ) Experian Subject : Formal Notice of Intent to Sue for Fair Credit Reporting Act ( FCRA ) Violations To Whom It May Concern, This letter serves as a formal notice of my intent to initiate legal action against Experian, for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., unless this matter is resolved immediately.

Despite my multiple dispute requests, you have failed to properly investigate and remove inaccurate and unverified information from my credit report, in violation of federal law. 

Disputed Account Information : Creditor : XXXX XXXX XXXX Account Number ( Last 4 Digits ) : [ XXXX ] Date Opened : XX/XX/scrub> 2021 Status : Charged-off Balance Reported : {$8500.00} FCRA Violations by Experian : 1. Failure to Conduct a Reasonable Investigation ( 1681i ( a ) ) I disputed this charge-off, yet Experian failed to conduct a proper investigation or obtain adequate verification from the data furnisher. 
The Fair Credit Reporting Act requires you to delete any information that can not be verifiedwhich has not been done. 
2. Failure to Delete Unverifiable Information ( 1681i ( a ) ( 5 ) ) I requested verification of this account, yet no documentation proving its legitimacy has been provided.

Since Experian can not validate the debt, you are legally obligated to delete it from my report.

3. Continuing to Report Inaccurate Information ( 1681e ( b ) ) The charge-off is damaging my credit and affecting my financial opportunities. 
By knowingly reporting false or unverifiable information, Experian is acting in willful noncompliance with the FCRA. 
4. Failure to Properly Investigate My FTC Complaint I have previously reported this issue to the Federal Trade Commission ( FTC ) and provided supporting documents.

Experian has ignored my formal complaints, further demonstrating negligence.

Legal Remedy and Demand for Resolution To resolve this matter without litigation, I demand the following actions : 1. Immediate removal of the disputed charge-off account from my credit report.

2. Written confirmation that this account has been deleted.

3. Compliance with federal laws requiring the removal of unverifiable negative information.
Product: Debt or credit management

citizens bank owes me XXXX for a disputed charge, however i am recieving letters from a debt collection agency for XXXX I have paperwork proving the monies owed and I am still being harrassed by the debt collection agency.
Product: Debt collection

I requested verification of the debt, and was not given it within 30 days. This debt is not mine, and I do not owe it.
Product: Debt collection

XXXX XXXX XXXX XXXX sent a letter in the mail claiming I owed a debt form an account paid off. They purchased an debt file and are claiming they want to collect without providing any proof of the debt just my address an balance. They refuse to send me evidence to the validity of the debt and threatening to report it to a credit agencies. Currently this debt is not on my credit file with any of the three major agencies hasn't been ever. Now they are threatening to ruin my credit with no evidence.
Product: Checking or savings account

On XX/XX/year> I was held at XXXX XXXX to and I was robbed for my phone From then XXXX XXXX purchases were made on my account XXXX for {$820.00} And another for {$970.00} And then they sent to their self to a XXXX  address Then the suspect then cash appear their self {$110.00} Their cash tag is XXXX XXXXXXXX
Product: Debt collection

Portfolio recovery started with phone calls stating they would seek litigation if I did not settle/pay an amount they were trying to collect. They did seek litigation and asked for summary judgment. I requested verification of debt and at first they provided nothing and said they did on second filing. Then provided affidavit from one of their employees stating she had personal knowledge of debt and affidavit of bulk sale of accounts on or about XX/XX/2011. They were granted judgement based on this and now trying to garnish my wages. They added on summary judgment a plus pre-judgement interest of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

yes i have tried to reach out to creditor and credit agency by calling and sending in the requested files to have the following fraud accounts removed from my credit report
Product: Student loan

I have had numerous difficulties with Sallie Mae regarding my account. Including receiving phone calls and voicemails, family members and my employer receiving phone calls. As well as the employees at Sallie Mae providing false information to my family regarding my payment history. I have tried to work with this company numerous times to make adequate payment arrangements and never get the same information twice when I contact them. Often times when I do try and contact them my contact person is not available and if I speak to a different individual they can not provide correct or accurate information.
Product: Checking or savings account

Well, just to put you in the frame, I am a new XXXX XXXX who came from XXXX. I landed in the United States in late XXXX. I needed a bank account so I did some research and found out that Discover Bank suits my needs. My main income is from XXXX ( I do XXXX XXXX ), then XXXX ( as a XXXX XXXX ), and sometimes XXXX ( I roughly get anything from it ). Well, after a month with Discover Bank, they decided to close my account without notice. I called them and they said it was a " business decision ''. Tried calling 5 times to try different agents and supervisors but all I got was the same answer " from what we can see it is a business decision and that's all we have ''. THE BIGGER PROBLEM is they refuse to let go of my hard earned money ( XXXX $ last time I checked, but I don't know exactly since I scanned a check lately and I still receive payouts through XXXX  ). they literally told me they will send it as a check only after 60 days have passed. Which sounds shameful to me. How am I going to pay for my rent and food? 2 months is a long period of time. I have also heard that some people waited 90 days and they didn't receive their funds. Should someone please direct me to what should I do exactly, I will be XXXX XXXX XXXX soon since I don't have emergency funds or any other bank account with funds.
Product: Credit reporting or other personal consumer reports

Unapproved hard inquiries on my credit report are inaccurate and impacting my credit negatively. Per 15 USC 16c-2, please remove all such entries.