23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX I charged a cruise from XXXX  XXXX with their XXXX agent XXXX for {$8600.00} to my Citi XXXX card. We took the cruise in XXXX, however the cruise was not as described on the purchase contract. The itinerary specified was not possible as the boat provided was not capable of traveling the distances required in the time required, resulting in us missing photography of the rare bird of paradise, which was the purpose of this trip. The food was not as described, it was poor, myself and my husband both had food poisoning from the ship food - resulting in us unable to participate in scheduled activities for 2 days each. It was not just us, half of the 10 passengers also had food poisoning - this was a remote area, there is no other food, except food provided by the boat. I brought up both of these problems with the company while we were there and there response was sometimes this happens. That is not acceptable, we paid a large amount of money for a once in a lifetime trip and miss the point of trip because of their poor planning and spend 2 days sick in a small cabin. I disputed {$2500.00} of the trip for the days we missed that were the travel providers fault. Citibank immediately denied the claim stating " we determined that we are unable to assist you because you received the services for which you contracted. Any further attempts to resolve this dispute will need to be directed toward the merchant. '' I replied to citibank and alerted them to the cardmember agreement " If you are DISSATIFIED with the goods or SERVICES that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay '' I have received no further response. I have not received the services I paid for, I expect citibank to protect me as specified in the cardmember agreement. This is particularly disturbing since I am a XXXX client and the card I used, Citi XXXX, has a very high annual fee of $ XXXX. I am paying for Citi to support me when I need it, I dont think I have ever disputed a purchase before, and the one time I need their help they don't even follow the rules of the cardmember agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX XXXX XXXX and may have gotten into hands of the wrong person.
Product: Credit card

On XX/XX/XXXX I sent my check for payment in full to Comenity Bank for the bill due on XX/XX/XXXX. On XX/XX/XXXX I find out they never received my check. On XX/XX/XXXX I got the new bill with the past due amount and my new purchases and they added interest and service charges totaling {$3800.00}. I sent out the check for the full amount but decided to send it certfied mail through the USPS so that I could track it. Each day I would check to see if my balance went to XXXX. It still was the same outstanding amount after a week. I called them and they said that they had received nothing. I have tracking number XXXX. I checked with the USPS and it was delivered and available at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I called Comenity and provided the info. ( a letter was sent XX/XX/XXXX even sent a copy of the certified mail receipt. They have done nothing but charge me more interest. I even spoke to a manager and have written letters and had several on line messages with dispute with no results. On XX/XX/XXXX I went to the bank to stop payment which cost me another {$35.00} and made a new online payment in full which now went up to {$3900.00}. So I paid them an extra {$60.00}. and had to pay {$35.00} to stop payment on the check. If I check their site they still have not updated my account. I want all interest and fees charged back and for them to update my account. I have an excellent payment history with them and should not be charged for their incompetence
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX {$2000.00} XXXX XXXX $ XXXX XXXX {$220.00} XXXX   XXXX {$290.00} XXXX  XXXX {$500.00} XXXX   XXXX {$140.00} XXXX  XXXX {$31000.00} XXXX  XXXX XXXX {$390.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've paid my monthly payments for years with the same account and now they will not accept my payments through this account over the phone but I can go to one of their locations and make it on the same account with no problem with the account that they don't accept over the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT COMPLAINT LETTER To Whom It XXXX Concern : I am writing to file a complaint against XXXX, Transunion and XXXX. 
I recently experienced fraud involving my information, unauthorized inquiries without permissible purpose and invalidated accounts still reporting negatively on my credit report. Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX, Transunion and XXXX to date. I would like any and all accounts/inquiries removed that should not be there as they are impacting me negatively. I have been denied auto loans more than once recently due to these accounts on my credit being inaccurately reported. The companies did not receive my permission to obtain anything from my credit being as they were third parties and my information was shared without my knowledge .The collections shown are unable to produce proof of debt validation, committed auto fraud against me and the contract has been rescinded, sold my info to another company ( illegal ) or past statue of limitations and still on my report ( illegal ) never gave XXXX XXXX Transunion XXXX XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. XXXX, Transunion, and XXXX is in violation of 15 U.S.C. 16816,15 U.S.C. 1681c, [ 15 U.S.C. 1681d ] 5 U.S.C. 168le ] ,15 U.S.C. 16811, [ 15 U.S.C.

1681q ] and 15 U.S.C. 1681n, [ 15 U.S.C. 1681s-2 per the FCRA. I would like these items/inquiries removed immediately as I am not able to better my l situation with these still in place. If not I will be forced to pursue legal action and plan to seek remedy for damages. My current address is XXXX XXXX XXXX XXXX, Tx XXXX and I do not wish to have a phone number in place and am not obligated to. Any other personal information on my report should be removed as I can not be contacted through those avenues and some I do not even recognize as that information has never belonged to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all non-account holding inquiries over 30 days old. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed Thank you for your assistance. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX XXXXe {$1100.00}, XXXX {$750.00}, XXXX  XXXX {$2400.00}, XXXX XXXX XXXXXXXX {$650.00}, XXXX XXXX XXXXXXXX {$820.00}
Product: Debt collection

Account Resolution placed this alleged debt on my credit reports back in fall XXXX two years after the account was created by them. I disputed it with XXXX, XXXX, and XXXX which ARC failed to validate the debt within the allowed 30 days. XXXX and XXXX promptly removed it. 

XXXX however did not. When I disputed it again with XXXX ARC was allowed another 30 days which violated The Fair Credit Reporting Act ( FCRA ). With this second dispute I unknowingly give them access to my medical PII they never had rights to in the first place and the amount has on my credit report has inaccurate amount of either XXXX or XXXX dollars which another reason why it must be removed. 

As I wanted the matter resolved, I sent a certified letter to ARC back in XX/XX/XXXX to negotiate a account settled which they never responded to. 

Upon further research I found out they are in violation of the No Surprises Act ( NSA ). 

I want the the collection deleted off my XXXX report as they have no grounds to contest payment, never provided me any contract of paying ARC for the debt, and the alleged client has passed any statute of limitations to sue me over the alleged medical debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, any and 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 a copy of verifiable proof, you must remove the account listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying items recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX  Date of Inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

No XX/XX/2022, I filed a complaint with CFPB complaint number XXXX XXXX and complaint number XXXX Experian However It's been more than 30 days and more than 5 business days since XXXX and Experian has completed their investigation and they have failed to send me a free of charge credit report by U.S. Mail showing the results of their investigation. According to the law 15 U.S. Code 1681i ( A ) In General Before the expiration of the 5-Business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ) the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. the notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Product: Debt collection

I was contacted by " XXXX XXXX '' said he was calling from worldwide recovery and claimed to be in the legal department. they are using an auto dialer.. and requesting alot of personal information.. where Im living and my building number. also, said he were collecting on behalf of EQR for a broken contract. 

I spoke with EQR and we have a settlement agreement already on the outstanding debt. and they confirmed they are not affiliated with the said : world wide recovery company or Credit Management.. 

These people call me all the time. from different numbers XXXX, XXXX, XXXX, XXXX Etc. constantly threatening legal account. they say there are court processors. and filing a case against me. they tell me there send court processors to my house and work place. and they have warrants issued for me and my employers has been verified. Etc. 

XXXX man screamed and cussed at me then hung up on me.. XXXX Way to represent the Federal Courts XXXX XXXX Processor/ Attorney. ) they never say the calls are recorded nor identify where there calling from ( only say its a personal and legal matter and address everything by their names. ) I have had my number registered over a year on the XXXX list. and these people do not care.
Product: Debt collection

I am aware that under the FCRA I should have received a 1099c once this account was as charged off. This account was last updated as per my XXXX  consumer credit report in XX/XX/year>. The amount charged off /written off is {$2600.00}. I am hereby requesting a copy of the 1099c.
Product: Credit reporting or other personal consumer reports

XXXX XXXX until XX/XX/year> Multiple amounts Asked the company where did I agree for an inquiry of my credit being pulled almost everyday. I didnt agree to any terms or conditions other than to get a free credit report from experian.
Product: Debt collection

Credit management LP is trying to collect a debt of {$210.00} not owed. this is not my debt i dont know who this company is and they have added a negative and derogatory mark on my credit score.this is illegal
Product: Credit reporting or other personal consumer reports

Believe I have a identity theft issues has several u authorized inquiries have been placed on my reports with all three credit bureaus and i have NOT AUTHORIZED. PLEASE REMOVE IMMEDIATELY XXXX XXXX XXXX RETIRED XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX REMOVED IMMEDIATELY PLEASE
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3900.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # LISTED BELOW, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all XXXX bureaus swell which This is ground for removal they also violated my rights under, 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 ACT S 611 ( 15 U.S.C S1681 15 USC 1681i 15 USC 1681 S-2 15 USC 1681i ( 5 ) THESE ARE THE INCORRECT ACCOUNTS US DEPARTMENT OF EDU XXXX XXXX Original creditor : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

information on my credit report. However, your company failed to delete accounts that are unverifiable and unrelated to any of my addresses, so how are these accounts verified? You did not successfully remove and delete the disputed items. I'll say it again : the Fair Credit Reporting Act requires you to follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted disputes to Experian, XXXX, and XXXX. I have yet to get a response on the investigation. This is in violation of the law as it has been more than 30 days.
Product: Debt collection

This debt was charged off last year by XXXX and now a new debt collector has it and is harassing me. This was for equipment that XXXX did not pick up after we had moved and they were notified of move. This is ridiculous that they could pick a discharged debt and re prosecute me for this. It took 6 months to resolve this last time and now I have to go through this again?????
Product: Credit card or prepaid card

I applied for a card Chase XXXX card on XX/XX/XXXX over 30 days ago, got email saying they go application. Never got informed reason it was disaproved. Never got a written reason why. After complaining, I got a call from them and the caller talked so fast that I was unable to understand the phone number to call. I have a regular Chase Credit card and a credit score of over 790. I tried over 3 times to resolve this problem.
Product: Credit reporting

XXXX credit services who is a XXXX party debt collector submitted an old account that was removed off my credit from XXXX due to it being past the staute of limitations in the state of Nevada. This was not on my credit until we we 're at the final steps of purchasing a home and they ran XXXX last credit report and this showed up. Obviously preventing my family from purchasing a home and has now left me in the position of having to possibly ask family members if we can stay with them, uprooting my XXXX children from their school XXXX of which Has a XXXX. XXXX keeps transferring us to another company called vision. They hang up on us, claim they do not need to furnish us with documentation regarding this account. Then they tell us to call XXXX and XXXX claims they do n't answer questions in regards to collections. I have read and read about how this company has done this to so many individuals out there and nobody can understand how the credit bureaus do n't research what is being placed on a report that basically is the prime basis for an individuals life. This seems fraudulent on both XXXX and the credit reporting agencies. It ruins lives just like it ruined mine because nobody at the bureau took a minute to fully reaserach the information being submitted.
Product: Payday loan, title loan, personal loan, or advance loan

I was scammed by a company called XXXX XXXX XXXX. I was given the option to put some money down and take a loan out around XX/XX/XXXX through west lake portfolio management then it went a company called covered care as a medical loan? I noticed that west lake portfolio management was hitting my credit score for XXXX points every 3 months with the different credit reporting agencies. I did some research and found out that XXXX XXXX XXXX XXXX had charged off my account. I called West Lake Portfolio around XX/XX/XXXX to request a 1099C since they charged off the account and now makes it an income which shouldn't be reported on my credit report. I was given nothing but attitude and disrespect when I called. It's been a month or so now and I haven't recieved a 1099C. This account is charged off and I would like it removed from all 3 credit bureaus which I have disputed this with all 3 and are still showing this on my credit history. Can you please help me take care of this because I am trying to buy a house in the near future.
Product: Debt collection

Ive been paying on this account # XXXX since XX/XX/XXXX. I were making monthly payments on the account for XXXX County Hospital to Receivable Solutions , Inc . I didn't know the date of service was XX/XX/XXXX. When I called Receivable Solutions XX/XX/XXXX about the payments they told me they are no longer collecting on this account. I told them why would your company still collect after the statue of limitations. Ive asked for my refund I paid of {$290.00}, The stautue of limitation was over XX/XX/XXXX.
Product: Credit card or prepaid card

A Bank of America credit card was unknowing to me opened in my name on XX/XX/2022 .I called Bank of America and they claimed they would put a lock on the card
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Score has been decreased due to what I understand is not correct! 
I had an Account with The Discover Credit Card, which was charging me certain money for not using the Card ; which to me was not fair ; and I decided to cancel that service not owing them any money, and they refunded an small amount that was in my account once I toll them that I did not want to have their service any more. 
Due to this Issue, the XXXX XXXX XXXX, lowering my Score in 34 Points, which was not fair.
Product: Mortgage

Select Portfolio Servicing, Inc. ( SPS ) services mortgage holder XXXX XXXX XXXX XXXX   ( a Delaware statutory trust ) will not provide forbearance without a balloon payment at end and that is not going to help me. My Wife has and currently care taking her now deceased mother and can only work several hours remotely, thus our combined income is severely lessened. As a business owner impacted by the XXXX we are dependent upon my business to make expenses and stay liquid. 

Please Help XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX