23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV is a collection account owned by Resurgent Capital Services.  There is a collection on a credit card for the amount of XXXX dollars. I contacted Resurgent and they sent me a letter that I dont have any collection accounts with them. So far XXXX  is the only credit bureau that has deleted this inaccurate account from my report. XXXX  and XXXX   has not corrected my credit report even after uploading the documents proving my claims and uploading the letter from Resurgent. XXXX and XXXX  are really the problem with this collection account that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is reporting an account from XXXX XXXX XXXX. XXXX XXXX XXXX received my personal medical information from XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. This is a XXXX violation! I did not authorize for my medical information to be sent to a third party. Please remove this account from my credit profile immediately! This is a violation of my rights. Legal action will be pursued if this account is not removed immediately. 

I AM NOT A CREDIT REPAIR COMPANY
Product: Credit card or prepaid card

Regarding Dispute XXXX. 

Citibank is in blatant disregard of Regulation E and has not provided my account provisional credit related to a credit card dispute, within 10 business days. On XX/XX/2021, Citibank sent me a letter stating the following : " A review of our records indicates while investigating your dispute, we inadvertently issued two conditional credits for this charge. To correct this error, an adjustment to reverse one of our credits will appear on a subsequent statement. '' The above statement by Citibank is inaccurate and I was not issued two conditional credits in error. I have two charges for {$820.00} to XXXX XXXX XXXX on my credit card account and neither is authorized. 

I have tried to resolve this error with Citibank on numerous occasions through contacting them by phone and email. Each representative I have spoken to on the phone has advised they also agree the provisional credit should be reapplied and they'd get it corrected. 

My contact with Citibank is outlined below : On XX/XX/2021 - Called Citi to as when provisional credit would be re-added and was advised it would be corrected. 

On XX/XX/2021 - Emailed Citibank to follow up on error. 

On XX/XX/2021 - Called Citibank and again was promised the error would be corrected. 

On XX/XX/2021 - Emailed Citibank stating the error has yet to be resolved and if the credit was not received, I would file a complaint.

After four attempts to rectify this issue, Citibank has not applied a provisional credit to my account and is in blatant violation of Regulation E. Citibank has shown a deliberate disregard for Regulation E and their dispute department is either understaffed or undertrained.
Product: Credit card or prepaid card

XXXX XXXXXXXX Best Buy  Credit Card : Last 4 digits XXXX My phone XXXX Email : XXXX Zip : XXXX Best Buy CC Dispute # XXXX I opened a dispute regarding charges on XX/XX/XXXX in the amount of {$53.00} for XXXXXXXX renewal . 
This XXXX XXXX XXXX XXXX XXXX 3-Device 1-Year Subscription was canceled on XX/XX/XXXX. Proof of cancellation attached. 
Spoke many, many times with XXXX XXXX, customer service and the billing department. 
XXXX XXXX confirmed it has been canceled on each of my dozen phone calls. 
Every time I was promised by Best Buy that I would receive a cancellation email in writing but each time they did not deliver. 
Billing department opened Case # XXXX and I was assured that the refund is coming back to my credit card. 
After my last call on XX/XX/XXXX with customer service in the credit card department, the representative requested that I fax a proof of cancellation and he created a dispute number. 
I am looking for a reversal of all charges and my credit card balance brought to XXXX. 
P.S. I did not voluntarily purchase XXXX or XXXX. It was done without my knowledge.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate, unverifiable accounts unresolved. The consumer financial protection bureau has recently filed lawsuits against XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX inaction violates federal laws and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car and was not approved. There are accounts on my credit that I dont know anything about. Please remove these from my credit XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX. I also saw some inquiries as well I dont know about XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.
Product: Debt collection

Burr and Rheid have non stop harassed me with thratening letters without any real cause or even any amount owed and by whom which the debt is owed. Also when you try to contact them they eefuse to answer the phone.
Product: Debt collection

After doing a routine check on my credit report, I noticed a collection on my report from Enhanced Recovery Company, LLC., for a debt that does not belong to me. 

A certified letter was mailed to Enhanced Recovery Company on XXXX/XXXX/2015 notifying the company of the false debt and the immediate deletion of the debt from my credit history from all credit reporting agencies. 

Enhanced Recovery Company received the letter on XXXX/XXXX/2015. Enhanced Recovery Company continues to ignore the certified letter and continues to report a false debt to all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected or resolved right away. 
XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute multiple inquiries and an account on my TransUnion credit report that I believe to be fraudulent. These inquiries and the account have had a detrimental impact on my credit profile, and I am requesting a thorough investigation and prompt removal of these inaccuracies from my credit report. 
The details of the disputed inquiries and account are as follows : XXXX XXXXXXXX by XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX  ( XXXX XXXX ) on XX/XX/XXXX XXXX. Account with XXXX XXXX ( Account Number : XXXX ) I have no recollection of authorizing or applying for credit with XXXX  XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX on the specified dates. These inquiries and the XXXX XXXX account do not correspond to any legitimate credit applications or accounts initiated by me, and I have not entered into any credit relationships with these institutions during the indicated time frames. 

Given the fraudulent nature of these inquiries and the questionable account, I am deeply concerned about potential identity theft or unauthorized activity on my credit report. I have taken immediate measures to safeguard my personal information and have initiated a credit freeze with the major credit bureaus to prevent further unauthorized access. 

I kindly request a comprehensive investigation into these inquiries and the XXXX XXXX  account to determine their validity. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries and the account on my TransUnion credit report.

Furthermore, I urge TransUnion to take the necessary steps to expeditiously remove these fraudulent inquiries and the XXXX XXXX account from my credit report, as they are adversely affecting my creditworthiness and financial standing. It is essential to uphold the principles of the Fair Credit Reporting Act ( FCRA ), which mandate accurate and fair reporting, and these discrepancies do not align with those standards.

I kindly request that you keep me informed of the results of your investigation and any actions taken to address this dispute. If additional information or documentation is required from my end, please do not hesitate to reach out to me at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021 AFTER COVID!! I ran my report and noticed that an account for XXXX XXXX was opened! Well I immediately called and reported it. Had account closed! Well now 2 1/2 years later Im thinking it is off my report and just couple days ago they report it as a charge off for XXXXXXXX2 1/2 yrs later after I called immediately when I seen this was on my report! This was to be taken care of and I was insured that I would not be responsible since I DID NOT DO THIS! As much fraud that went w/CovidSomeone used my information from that XXXX store to obtain an account. We left the store and didnt even get phones!!
Product: Debt collection

I am filing a complaint against the Bank of America credit card company due too a recent tax statement for the year of XXXX sent to me by mail to a previous address I used to reside at more than 10years ago requesting that I pay taxes on a closed credit card account. I disputed this credit card charge with Bank of America on XX/XX/XXXX and it was successfully removed from my credit report as XX/XX/XXXX. My complaint explained that I was accessed penalty fees by Bank of America for charges I never made. I have kept all my records acknowledging the several attempts Ive made to resolve this illegal issue with the Bank of America credit card company. I have statements from XXXX acknowledging this disputed matter and the removal of this matter off my credit report. I am requesting an investigation to this matter for again permanent closure of this ordeal. I should not have to be taxed and/or penalize for fraud done against my will. Thank you for your attention to this matter!
Product: Credit card or prepaid card

My reliacard for unemployment with a balance of XXXX that I don't have anymore and need a replacement card but haven't been able to get cause of some block or something they said. I've made id verification attempts with no luck hearing back. This is my second attempt through this company. US Bank hasn't responded to me after uploading documents
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Contact address XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number.

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 
Bank error loan was set up for automatic pay from checking account. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred throughout the XXXX  years Ive had it. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

This company will call or text at any time and day of the week even after I have repeatedly told them to put me on no call list of to stop contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft please remove this unknown inquiry from my credit report.
Product: Credit card

My minimum amount due was the same as the balance on the card which was {$26.00} on my Victoria Secret credit card. I paid the bill on XX/XX/year>, it was due on XX/XX/year>. I believed I was paying the full amount. I clicked pay full amount, but they show that I paid {$24.00}. In order to do that, I would have had to select Other as my payment choice and enter {$24.00}, which was {$2.00} less than the minimum payment/full balance. While it is possible that I made that error, it seems unlikely, why would I intentionally short pay {$2.00}? 

I received a bill this month for {$30.00} which surprised me because I felt I paid in full. They charged me {$2.00} interest on the {$2.00} balance as well as a late fee of {$26.00} which was equal to the minimum payment due... all over a {$2.00} error. 

I called thinking it was no big deal and they would waive it, but no. It seems extrememly excessive to charge {$26.00} over a {$2.00} balance. I called and emailed the company and they replied that since I short paid, it was less than the minimum and they can charge that fee. I asked them how they came up with the amount and they have not answered. 

If I made a mistake and short paid, I'll accept that, but my complaint is that the late fee is excessive and upon a little bit of googling, it seems that credit cards can't charge more than {$8.00} as a late fee now.
Product: Credit reporting

Esperian Credit Reporting has continually reported false and negative information pertaining to a loan at XXXX XXXX XXXX XXXX California. They show wording s foreclosure started. XXXX XXXX XXXX which realized this was to be removed has put that in writing to CPB and Esperian to remove this from my record. This was a bad loan from the beginning as stated by The California Department Of Justice. The real issue is the failure to perform by Esperian.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted dispute to experian to dispute fraudulent accounts that was listed on my credit report, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX. There results came back that information was verified, i contacted each of the above creditors, how ever neither could verify that i had an account with them so how did experian investigation come back verified.i requested information as to how these accounts were verified cause they because they were not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2018 I discovered a collection account from XXXX hospital on my credit report. 
I called hospital 's billing department and disputed the amount of the bill which was {$1500.00}. I sent them both documented proof that on the date of service proving I did had valid and billable insurance. When I spoke with the representative at the hospital in the billing department it was discovered that the hospital filed with the insurance the wrong billing code under " MENTAL HEALTH SERVICE for a XXXX XXXX instead of medical servics. She told me this was a hospital Error and since two years had passed she don't think that the insurance company would pay and this was a billing and coding error in the hospital billing department. The collection account was taken off of my credit reports within 90 days. 
Then on XX/XX/XXXX of 2018 I discovered that the hospital has once again place the same account with a balance of {$1500.00} back on my credit report again with a different collection agency called XXXX XXXX XXXX  and I am disputing it once again with the hospital and with the collection service with those same document showing that on a date of service I had valid and billable insurance. 
I am now demanding that the hospital not be able to ever put this balance back on my credit report again this is an account that the hospital made the air on not the patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Account is hurting my XXXX XXXX XX/XX/year> the limit is XXXX balance is XXXX Be advised, this is not a refusal to pay, but a noticed that your claim is disputed and violation is requested under the fair debt collectors practice act I have the right to request validation of the debt and say I owe you. I am requesting proof that I am indeed, the party you are asking to pay this debt and there is some collateral obligation that is binding on me to pay this debt. This is not a Verification or proof of my mailing address but a request for validation made pursuant To 15 USC 692G section 809B of the FDCPA I respectfully request that your office is provide me with competent evidence that I have any legal obligation to pay you
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) ( XXXX This CFPB complaint had been filled to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX  on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX XXXX on XX/XX/XXXX acct ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

{$1800.00} with LVNV Funding LLC ( current creditor of your original XXXX Bank ( XXXX XXXX XXXX ) account ). 

Basically I was XXXX  and told to pay my debt from a third party company, which I was not notified in any way that my debt went to collections and this all happened during the pandemic, therefore It was more difficult and disappointing. My score went down drastically and it hurt me financially because It was hard for me to qualify for more credit. Lenders see me risky and difficult to apply for anything.
Product: Credit reporting or other personal consumer reports

I am Writing to dispute the following accounts on my Equifax Credit report, Which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ). Fraudulent Accounts : XXXX Bank XXXX XXXX Account : XXXX Balance {$380.00} XXXX Bank XXXX XXXX Account : XXXX Balance {$200.00} XXXX XXXX XXXX XXXX Account : XXXX Balance {$460.00} XXXX Account : XXXX Balance {$250.00} XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$460.00} XXXX XXXX Bank Account : XXXX Balance {$760.00} XXXX XXXX XXXX XXXX Account : XXXX Balance {$490.00} XXXX XXXX Account : XXXX Balance {$760.00} XXXX XXXX XXXX Bank Account : XXXX Balance {$490.00} XXXX Account : XXXX Balance {$1000.00} XXXX Card Account : XXXX Balance {$890.00} XXXX Card Account : XXXX Balance {$7200.00} U XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX Account : XXXX Balance {$1800.00} XXXX XXXX XXXX Account : XXXX Balance {$700.00} XXXX XXXX XXXX Account : XXXX Balance {$1100.00} XXXX XXXX XXXX Account : XXXX Balance {$390.00} XXXX XXXX XXXX Account : XXXX Balance {$610.00} XXXX XXXX XXXX  Account : XXXX Balance {$380.00} XXXX XXXX XXXX Account : XXXX Balance {$460.00} XXXX XXXX XXXX Account : XXXX Balance {$910.00} XXXX XXXX XXXX Account : XXXX Balance {$1100.00} XXXX XXXX XXXX Account : XXXX Balance {$1100.00} XXXX XXXX XXXX Account : XXXX Balance {$890.00} XXXX XXXX XXXX  Account : XXXX Balance {$760.00} XXXX XXXX XXXX  Account : XXXX Balance {$520.00} XXXX XXXX XXXX  Account : XXXX Balance {$540.00} XXXX XXXX XXXX Account : XXXX Balance {$940.00} XXXXXXXX XXXX XXXX Account : XXXX Balance {$650.00} XXXX XXXX Account : XXXX Balance {$710.00} XXXX XXXX Account : XXXX Balance XXXX XXXX XXXX Account : XXXX Balance {$1900.00} XXXX XXXX XXXX XXXX Account : XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Account : XXXX Balance {$7200.00} XXXX XXXX  Account : XXXX Balance {$520.00} XXXX XXXX XXXX XXXX  Account : XXXX XXXX {$1000.00} XXXX  Banks Account : XXXX XXXX {$340.00} XXXXXXXX XXXX Account : XXXX Balance {$990.00} XXXX XXXX BANK XXXX XXXX Account : XXXX Balance {$850.00} CAPITAL XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX {$760.00} XXXX  XXXX Account : XXXX XXXX {$790.00} XXXX XXXX Account : XXXX Balance {$880.00} XXXX XXXX XXXX XXXX Account : XXXX Balance {$500.00} I request the immediate removal of these accounts under the FCRA, Specifically 15 USC1681e ( b ), 15 USC 1681s-2, 15USC ( 5 ) and 15 USC 1681 c ( c ). Furthermore as per Law 605 B, These fraudulent accounts should be eliminated from my credit report. your company is under scrutiny due to a recent lawsuit filed by the Consumer Financial protection Bureau ( case name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) This lawsuit highlights XXXX  failure to conduct proper investigation and remove or reinsert errors on consumer credit reports. As such it is imperative that Equifax addresses this matter in accordance with the FCRA I appreciate your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these fraudulent accounts under from my credit report. Thank you for your time and cooperation.