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

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also, I have attached the letter I sent out via USPS and here are the Tracking # s : XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Listed Accounts Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting

I have asked via certified letter to validate accounts with XXXX, XXXX and XXXX to no avail. My response was " account verified ''. 

However, I specifically requested documents with all details pertaining to said accounts, with balances, payments, contract, etc and I received nothing other than the response from the bureau that according to the creditor, the account was verified. None of these accounts were legally validated.
Product: Debt collection

When I first walked into XXXX XXXX  in XX/XX/2019, I told him I am XXXX and could not afford to run up a big bill. I also told him the insurance I had and showed him my card, which he copied. He assured me that my insurance would cover everything and that I should not worry. XXXX XXXX himself told me these things. My step-daughter was with me and she too saw him that day and witnessed the entire conversation. 

After our discussion he did his initial evaluation, then did an XXXX and several other procedures. These included a tens unit on my XXXX, heat and a compression device. 

At NO time did he tell me that these procedures were above and beyond the initial XXXX and that they would cost more money. I was unaware that he was intentionally running up a large bill that he could bill my insurance. 

When my insurance did not pay ( after he assured me it would ), he then came after me to pay a bill that I specifically told him I could not pay. I did not give permission for him to do all the extra procedures that he did. 

I have explained this in writing to his office and to his collection company. To date, I have received absolutely NO response from his office or the collection agency. 

I feel this is overtly fraud by his office. They KNEW I couldn't afford this yet continued to do procedures without my permission to run up the bill. I believe he did so because he thought he would bill the insurance. 

Additionally he put my step-daughter into a XXXX XXXX at his expense because he felt he could help her. She is XXXX XXXX. On our second visit, he became upset and told his son to " get her out of there NOW. '' His son obeyed and immediately got her out of the XXXX. On our way home, she got ill. This resulted in a visit to the emergency room for the XXXX. This is a condition in which they bring someone to normal pressure after being at a deep dive sea level pressure. It took her a week to recover from this incident. 

I believe that it directly relates this billing and collection because XXXX XXXX got angry that I was looking at his books in the hallway while waiting for the restroom. He became furious and made a loud scene about it. The people in the waiting room and other procedure rooms could all hear him yelling at me to " GET OUT. '' I told him I was not leaving without my daughter, which led to the removal from the XXXX 

This behavior was unprofessional and unprovoked. Again, I believe his anger at me is fueling this billing and collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my relentless efforts to rectify the presence of fraudulent, inaccurate, and misleading information on my consumer report, the matter persists unresolved. The inclusion of these items has profoundly impacted my life, inflicting considerable stress and anxiety. It is imperative to emphasize that I neither authorized nor consented to the association of this information with my name, as I have unfortunately fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

This is yet another complaint in a series of many I have filed against Select Portfolio Services : I exercised my right of rescission on a cash out refinance that SPS tried to call a simple modification ... my basis was I was never given any RESPA documents ( HUD 1, TIL, right of rescission, etc ) so therefore my right to rescind was 3 years. In Case # XXXX SPS acknowledged that XXXX XXXX ( the original lender ) paid off my XXXX mortgage with XXXX XXXX. The fact the the XXXX mortgage was paid off made the " modification '' an actual cash out refinance loan ; they ( SPS ) admitted paying off the XXXX mtg yet they claim it does n't count as a cash out refinance?!? It was obviously a cash out refinance, despite the fact that they do n't want it to be a cash out refinance.
Product: Credit reporting or other personal consumer reports

I recently looked at my Transunion credit report and noticed some things are incomplete and not accurate. Account name XXXX XXXX XXXX XXXX has reported that I was late XXXX and XXXX of XXXX  which is inaccurate because indeed paid those months. As according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Closed XX/XX/year> {$920.00} My information may have been impacted by the XXXX and XXXX XXXX XXXX and XXXX have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Debt collection

I was in an auto accident that was a workman 's comp matter. There was some medical bills that were missed in the process, by the workman 's comp insurance provider ( XXXX XXXX ), as well as the original provider, didn't submit any outstanding personal medical bill to my insurance carrier ( XXXX XXXX ). The matter should have been resolved in XX/XX/2015. However, I recently, by chance received my first statement ( since I had moved from XXXX XXXX, MN to XXXX, MN ), an invoice stating that I was being sent to collections at American Accounts Advisors. I immediately notified my previous personal injury attorney. He then communicated with American Accounts, XXXX XXXX ( provider ), and XXXX XXXX. In the process of his engagement and attempts to resolve outstanding balances, American Account Advisors placed the account as a negative collection on my credit report- dropping my score more than 30 points. I immediately called American Accounts ( XXXX ), who confirmed my attorney was involved, but that XXXX believes I owe the balance ( since they haven't collected balance dues from insurance carriers ) so it will remain on my credit report ( doing irrevocable damage ). I can dispute on my credit report, but the agency will state as I documented in this writing above. Leaving me with yet another injury ( financial ) to my personal/ family well-being.
Product: Credit reporting

COLLECTIONS AND XXXX INQUIRY WAS DELETED FROM MY TRANSUNION CREDIT REPORT SO I CALLED THEM TO SEE WHAT 'S GOING ON BECAUSE IT WAS DELETED AND THEN 3 DAYS LATER IT WAS REINSERTED I TALKED TO XXXX IN CUSTOMER CARE AT TRANSUNION AND HE REPLIED THAT THERE IS NO ISSUES WITH TRANSUNION AND THAT I MUST TALK TO XXXX WHICH IS THE ONE THAT IS PROVIDING THIS INFORMATION I EXPLAINED TO THE REPRESENTATIVE THAT I ALREADY CALLED XXXX WHICH IS THE ONE THAT MONITORS XXXX OF MY CREDIT BUREAUS AND STATED THAT IT IS TRANSUNION ISSUES NOT THEM BECAUSE NOTHING CHANGED ON THE OTHER XXXX BUREAUS IT WAS JUST TRANSUNION I ALSO MENTION THAT THEY ARE VIOLATING THE FCRA LAW BECAUSE I WAS NEVER NOTIFIED BY MAIL WITHIN THE 5 DAYS OF THE ITEMS BEEN REINSERTED AS THE FCRA STATED AND HE REPLIED THAT HE COULD N'T HELP ME. I DEMAND THAT THE FOLLOWING ITEMS THAT WERE REMOVED AND REINSERTED BACK TO MY TRANSUNION REPORT BE DELETED AS THE FCRA STATES AS I WAS NEVER NOTIFIED ABOUT THIS ISSUE WITHIN THE 5 DAYS THAT FCRA LAW SAYS THE ITEMS ARE XXXX # XXXX,,,,, XXXX # XXXX,,, ,XXXX # XXXX,,,,, ,XXXX # XXXX,,,,, XXXX # XXXX,,,,, ,XXXX # XXXX,,,,,,, XXXX # XXXX,,,,, XXXX # XXXX,,,,, XXXX # XXXX,,,,, ,XXXX Requested On : XX/XX/2017
Product: Credit reporting or other personal consumer reports

XX/XX/year> I requested a purchase agreement, agreement to sell, or service agreement agreement with my signature between myself and said company. 
XX/XX/year> I disputed it with XXXX after I did not receive proof of debt from each company. 
XX/XX/year> I mailed XXXX, XXXX, and XXXX a letter requesting verification of debit XX/XX/year> XXXX Verified the debit and said it would remain on my report XX/XX/year> I requested a verification method including dates, times, and how they verified the debt and disputed it again. 
On XX/XX/year>, I sent a certified letter to Revenue Enterprise, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX requesting a verification method. 
XX/XX/year> They sent another message saying my debt was verified with NO verification method and also opened a new online dispute asking for proof of service and method of verification XXXX I received a message from XXXX only saying the dispute was modified and would remain on my report again, with no verification method given to me On XX/XX/year>, I demanded proof and verification of the debt from all three debt holders and credit bureaus, and XX/XX/year>, I received another message from XXXX that the debt was verified without providing me with a method of verification XX/XX/year> I am reporting to CFBD and sending a letter to all companies notifying them of this decision to file a complaint.
Product: Credit card or prepaid card

See attatched transactions XXXX XXXX see attatched transactions XX/XX/XXXX. Duplicate charges are XX/XX/XXXX, {$340.00} XX/XX/XXXX ALL XXXX are charges from XX/XX/XXXX TOTAL {$470.00}. All XXXX Transactions are ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) and ( XX/XX/XXXX ) XXXX. XX/XX/XXXX statement ( MERCHANTS PAID {$340.00} XX/XX/XXXX back on card XX/XX/XXXX as New Purchases ) THERE ARE NO CREDITS FROM USAA. All these are duplicate charges. XX/XX/XXXX AND XX/XX/XXXX TOTAL {$810.00} ON CARD 2Xs.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the improper investigation practices by the three major credit bureaus : XXXX, XXXX, and Equifax. I have been disputing inaccuracies on my credit report for nearly two years, specifically with accounts related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Bankruptcy. Despite multiple efforts on my part, these inaccuracies remain unresolved, and the accounts in question continue to appear incorrectly on my credit report. Even to the point where deleted items where reinserted back on my credit File.

Throughout this period, I have submitted numerous disputes and requests for detailed documentation explaining the steps taken to investigate my claims. I have repeatedly asked the credit bureaus to provide step-by-step records of how my disputes were processed and resolved, as required by law. To date, I have not received any of the requested documentation, nor has there been a meaningful resolution to my disputes.

The continued presence of these inaccurate accounts on my credit report has caused me significant emotional distress, as I believe my consumer rights have been violated. I have made every effort to resolve these issues, yet the credit bureaus have not adhered to proper protocols or responded in accordance with the regulations set forth under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This ongoing situation has made it incredibly difficult for me to manage my financial obligations and provide for my family, while also hindering my ability to obtain future credit. 
As I understand it, your recent lawsuit against XXXX filed on XX/XX/year>, highlights similar issues with the credit reporting industry. In light of this, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into this matter, ensuring that XXXX, XXXX, and Equifax are fulfilling their legal responsibilities. I am also considering legal action if these issues are not addressed appropriately and in a timely manner.

I respectfully ask for your attention to this matter and urge you to take action to ensure that my credit reports reflect 100 % accurate information, in accordance with the law within 15 days of receiving this complaint. Further due to the numerous claims and still the information on my report continues to report incorrectly. I am requesting these accounts be removed in 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnionXXXX after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ). I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXXXXXX Balance : {$95.00} XXXX XXXX XXXXXXXX Balance : {$15.00} XXXX XXXX XXXXXXXX Balance : {$90.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$800.00}
Product: Credit card or prepaid card

I bought furniture from Rooms To Go by using credit card of Synchrony Bank, XXXX XXXX XXXX XXXX, FL XXXX. The furniture shipped by Rooms to Go was damaged and defective when delivered to to me at my home address around XXXX 2022. I informed Rooms to Go about it. They send an inspector to assess the damage. Inspector informed us on the day of inspection that it is damaged and has manufacturing defects. Therefore it should be replaced by Rooms to Go. After that Rooms to Go did nothing to replace or repair it even after trying many many times. Then I filed a credit dispute with Synchrony bank in XXXX 2022 time frame. They rejected my dispute without asking Rooms to Go to submit their inspection report and without considering the picture evidence of damage sent to Synchrony bank during the credit dispute. I also shared with them the email communication with Rooms to Go. Which they totally ignored during the dispute process and also failed to mention in their final decision in favour of their client Rooms to Go. Please note that I am unable to use the furniture during this time and its occupying the master bedroom. 

It looks like they favoured their client Rooms to Go even though I provided them all the evidence of damage and defects in the furniture. I also shared the evidence communication with Rooms to Go to resolve the issue. Which they totally ignored. I am looking for your immediate help to resolve this issue as soon as possible. I will share the pictures of the furniture damage and defects in this compliant.
Product: Credit card

On XX/XX/2016 I accidentally double-paid the significant outstanding balance of my Bank of America XXXX account. I owed about {$26000.00} and I mistakenly made two payments totally {$52000.00}. My error! I immediately contacted BOA and asked that the second {$26000.00} payment be reversed and returned to my XXXX checking account. My credit line and other assets covered the over-payment with personal financial impact. After many phone calls and a waiting period, on XX/XX/2016 about {$26000.00} was taken out of my BOA account and I was told the amount would be in my checking account " tomorrow '', or " 3-5 business days '', or " 7-10 business days '' depending upon who answered my phone call. It is now XX/XX/2016 and the money is STILL not in my checking account. Even today I was promised " tomorrow '', or Friday, or next week. Fool me once, shame on me. Fool me more than a dozen times then shame on the Bank of America. Even if the BOA promise of " tomorrow '' actually happens, I 'm formally filing a complaint and trust that CFPB will take action.
Product: Debt collection

The XXXX XXXX XXXX in XXXX XXXX Nevada towed a XXXX XXXX XXXX as a removal service in XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX ' The Tow XXXX XXXX XXXX then called me to determine if that vehicle was mine and attempt to collect ( via racketeering ), on storage charges for the vehicle. Allied Collection Service and The XXXX XXXX XXXX work together to create fake charges for racketeering. I sold the vehicle in XX/XX/XXXX to an individual. His name is on the back of the title wherever that is. I also have a bill of sale. The XXXX XXXX XXXX claims I owe them the storage fees for a vehicle I had sold almost XXXX years prior. If the vehicle did belong to me, XXXX XXXX XXXX XXXX failed in their due diligence to notify the possible owner of the vehicle they had possession of it, nor did they give the potential owner the opportunity to recover said vehicle. This is a XXXX  scheme from start to finish.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is a Fraud. I have complained about the same things over and over and they have not fixed anything. 

1.It is against the law to have XXXX of the same accounts reporting on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX are the same card reporting each month. This is double jeopardy turning over to my attorney. 
XXXX. XXXX XXXX XXXX they have illegally changed the reporting date and is reporting this account with a balance each month that is closed AGAINST THE LAW turned over to my attorney. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I have told them THIS IS NOT MY ACCOUNT and they refuse to remove it and any of the accounts above Therefore I am pursuing legal action against this company. 
I have saved and documented every report on here and their responses. I know the law.
Product: Credit reporting or other personal consumer reports

My credit was checked multiple times on separate days on XXXX XXXX XXXX for a vehicle I now have. I would like those credit Inquiries removed for the XXXX of XXXX. It is replicas and adds to my total Inquiries which I did not authorize and has effected my credit.
Product: Credit card or prepaid card

Dear Investigating Officer, On XX/XX/2022, I initiated a balance transfer using my Citi Double cash card in the amount of {$9000.00} plus {$270.00} balance transfer fee to pay off a part of my personal loan with XXXX XXXX XXXX. 

However, I was surprised to see that the charge got posted as balance transfer made to XXXX XXXX XXXX XXXX. I never mentioned to Citi or filled up their online balance transfer form mentioning XXXX XXXX as my creditor. For the records, I NEITHER have any outstanding balance with XXXX XXXX NOR have any personal loan with them ( I can provide documentation for the same ). I even called XXXX XXXX customer fraud protection department to verify if they received any check against the account number with my name that I initially provided to Citi when I submitted a request. They denied receiving any such check from Citi in the amount of {$9000.00} on XX/XX/2022. Therefore, I recognize the {$9000.00} balance transfer charge ( Merchant : XXXX  XXXX XXXX XXXX ) posted on my account as fraudulent and request that it is immediately credited back to my account. 

Its just frustrating that Citis online balance transfer application is so broken and incompetent that it couldnt match the account number with the bank name that I provided in the first place. Whats even more frustrating is that it was sent to XXXX XXXX which is not even in the picture whatsoever. 

Now when I tried to contact Citis customer service, they abruptly ended the chat without providing a proper explanation/resolution as soon as they realized they messed up. When I contacted them over phone, they merely mentioned they needed to first verify where the check ended as it is reflecting on my credit card statement as processed/posted. More than offering me help and resolving my issue by issuing me a refund immediately, they seemed more concerned with the error they made on their end and made it seem as if I was the one at fault. 

Personally, I feel CITI should cease their Credit Card product offering if they are not able to protect customers assets and their credit history/file which they worked so hard on for years. 

Thank you for your help and assistance in this matter. I hope for a speedy resolution and request {$9000.00} fraudulent charges and {$270.00} balance transfer fees refunded back to my Citi Double Cash account.