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

on XXXX i sent this credit bureau a dispute letter concerning the validity of accounts that were inaccurately reported on my credit report. To this date they failed to validate the dispute accounts. the disputed accounts are invalidated and inaccurate, if they cant prove me or show me a method of verification, these accounts need to be removed off my credit immediately. I am very stressed about the situation and i take my credit very seriously. this is a defamation of character and i want them to take action now by simply delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, my name is XXXX XXXX. Im writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did NOT make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Bank of America customer for 18 years. In XXXX I opened a credit card with them and always paid it on time. In XXXX I ran into financial issues because I have lost my business. Bank of America refused to work with me and didn't want to offer me any kind of options. I offered to pay them fully over 60 months at 0 % interest rate, and they refused, and instead opted to pile up interest and late fees onto my balance. In XX/XX/XXXX, Bank of America made me a settlement offer. Bank of America asked me to pay {$6200.00} over the next 90 days. The payment dates were pre-aranged during the settlement. Bank of America said that if I would settle with them, they would not charge-off my account, and instead it would show on my credit reports from all 3 major credit bureaus as " Paid for less than owed ''. On XX/XX/XXXX I finished paying off the {$6200.00} that Bank of America asked me to pay, and immediately it showed on my credit reports as a closed account, paid for less than owed. In XXXX, XXXX, I filed disputes with all 3 major credit bureaus, XXXX, XXXX  and XXXX  because Bank of America kept showing me being late even during the months of XXXX, XXXX and XXXX of XXXX, while I was making my settlement payment. About a month later, I received a dispute resolution from each credit bureau. Instead of fixing what I asked them to fix, Bank of America, out of spite, changed the account status from " Closed '' to " Charge off ''. I can not believe that a multi billion dollar corporation, a bank, that offered this settlement agreement in the first place telling me that it would prevent my account from being charged off, can act in such a childish and immature manner.
Product: Money transfer, virtual currency, or money service

A few days prior to the incident I had some fraudulent activity on my bank account. On this date I had made a {$40.00} cell transaction and immediately was contacted by what I thought was Bank of America telling me I had more fraudulent activity and that someone was attempting to take money from my account. It was very coincidental that Ive had just used the XXXX app and was then contacted immediately by the scammer. I felt that it was connected because of the recent fraudulent activity and they represented themselves as Bank of America. I was sent a confirmation a phone call many things that led me to believe that this was legitimately again the fraudulent team at Bank of America. I almost never use XXXX and was not familiar with all the risks and possible scams that this type of money transfer comes with and do not feel the Bank of America adequately protected my information because I was instantly contacted while I was on XXXX for the first time. I sent money to myself via XXXX I thought is a part of the scam. I have a phone number I have documented pictures of the text message I was sent and I contacted Bank of America within hours of this transaction. It was a Saturday evening XX/XX/XXXX and contacted them first thing in the morning on a Sunday within hours of the event because I felt something was not right. I immediately filed a claim with their fraud department and was told that someone would be contacting me to get more information regarding the name the phone number and any other evidence I had and was never contacted. I sat for hours and I have proof of those hours I sat on hold trying to speak to someone in the fraud department multiple times following the event. They did not ever contact me. they never answered the phone subsequently when I called and then denied my claim. The event took place on XX/XX/XXXX but they show the transaction happening XX/XX/XXXX I called them XX/XX/XXXX this was a very quick response and I feel they have dropped the ball and not protected my information adequately they had plenty of information they could have followed up on but did not.
Product: Prepaid card

Re : Citi Prepaid I had switched cell phone carriers from XXXX XXXX XXXX to XXXX with one of their promotions of being awarded a {$350.00} pre-paid card upon switching and maintaining an account with XXXX. As of today 's date my account has remained with XXXX, and I have not received the said prepaid reward card. 
After speaking with a representative from a local XXXX store, they provided a number to call to inquire about the missing card, which led to another phone number to a representative from Citi-Prepaid. After completing the identity verification questions the representative confirmed that I had met the conditions to receive the prepaid Visa card, and that a Visa prepaid card in the amount of {$350.00} was issued XXXX XXXX, expired XXXX XXXX and that the card was never activated or used. I advised the representative that I did not activate the card due to I had not received the card that was sent. I asked if a new card could be issued and I was advised that due to the card being expired, he is unable to reissue a new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My Name Is XXXX XXXX. 
I would like to remove any fraud alerts on XXXX, XXXX or experian. I have tried calling up each company directly and the computers that answers these phone calls go around in circles. 

No fraud alert is needed on my account so if any company has my name as a fraud alert I would like it removed. I am trying to apply for things and It is saying I have a fraud alert. Hopefully with this being said this can be resolved. If any questions or concerns to verify I am really me please feel free to call me or e-mail me on information you have as my contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit report from state of md XXXX XXXX I've attempted multiple times to have the collection removed as it does not belong to me as I have never attended the XXXX XXXX XXXX XXXXXXXX. Experian has failed to properly investigate after numerous disputes and continue to provide me with a recurring generic response. I sent in a method of verification which they failed to acknowledge and continued to report this fraudulent account. Please properly investigate and have this account removed immediately.
Product: Credit reporting or other personal consumer reports

In XXXX I contacted first investors servicing corporation after paying my account. They sent the settled in full letter. They said it could take up to XXXX days to update. I then disputed account with letter. On XX/XX/year> XXXX and XXXX  updated account as closed but did not change balance to XXXX. I am requesting that the account be deleted from all accounts due to inconvenience of not being able to get another car loan due to the fact that the balance is still showing
Product: Credit reporting or other personal consumer reports

Checking accounts are not supposed to be reported to credit report. remove this now
Product: Debt collection

Contacted the company in regards to the account the company could not give me any information in regards to when the account was established or what address is connected to the account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX PHL, XXXX Subject : Violation of Consumer Rights Under FCRA and Request for Immediate Correction Dear Experian XXXX  I am writing to address a concerning issue regarding my student loan account. As a consumer, I am entitled to certain rights under the Fair Credit Reporting Act ( FCRA ), and I believe these rights have been violated in relation to my account. The following laws directly apply to the situation : 15 U.S.C. 1681, Section 602 A : This section grants me the right to privacy, ensuring that my personal information is handled responsibly and with my consent. 
15 U.S.C. 1681, Section 604 A, Section 2 : A consumer reporting agency is prohibited from furnishing any account information without my written instructions. To date, I have not provided consent for the release of my account information to any consumer reporting agency. 
15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include any adverse information on my credit report that predates the report by more than seven years. If such information has been included, it would be in violation of this provision.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : It is unlawful for any person to furnish information to a consumer reporting agency if they know, or should know, that the information is inaccurate. I believe that the information provided to the credit reporting agencies related to my account may be inaccurate, and I request that it be reviewed and corrected.

Due to the potential violation of these rights, I am requesting that the following actions be taken : Immediate review and removal of any inaccurate information on my account that has been reported to any consumer reporting agency.

A formal investigation into the unauthorized release of my account information without my written consent. 
Confirmation that my rights under the FCRA, as outlined above, have been fully adhered to, and that any further violations will be rectified. 
Please provide a response within 30 days of receiving this letter, as required under the FCRA. Should this issue not be resolved, I will consider pursuing further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal steps to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these concerns. 

I would like to get the following removed STUDENT LOANS DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1600.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1000.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1800.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1800.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1100.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$3700.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention Sincerely, XXXX XXXX
Product: Credit card

I had a Citibank credit card as a member of Costco which I closed on XX/XX/XXXX because of deceptive interest rate practices. My final payment was for the purchase of a refrigerator and was made on XX/XX/XXXX in full. I am now being charged additional interest because the payment was not made on the STATEMENT DATE but within the period shown on the statement. This charge is unacceptable and how can Citibank get away with charging interest before the due date of the remittance.
Product: Debt collection

I have disputed a medical debt that ARS says I owe. I have repeatedly requested in the last year documentation and signatures to verify this information. The company has refused to provide anything after several attempts at communication and dispute with the CRAs including XXXX XXXX as well as directly. According to the FCRA this is a violation of federal law to continue to report this inaccurate information. I have not been to an ER. This has adversely affected my credit my score and my interest and my ability to obtain credit. I am again requesting any and all documentation and or signatures that claim I am responsible for this debt if not I would like it removed immediately or action to be taken in the form of a a lawsuit and or fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is being use to attempt to open accounts XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX  XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX are all reporting Incorrect information on my credit report. I called XXXX today because i received a copy of my credit profile. I noticed many errors on my report. They were not able to provide me with all the information. Information is still being withheld concerning who or what agency reported certain inaccurate information. My XXXX  score has dropped as a result. I have filed a fraud alert with the FTC. I am furthermore requesting that all fraudulent information to be removed from my report. This has caused me to miss out on many financial opportunities.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX  ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX 
Account XXXX : XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX I am writing this about my Discover card # XXXX my address is XXXX XXXX XXXX. XXXX, XXXX. XXXX. My phone number is ( XXXX ) XXXX. 
On XX/XX/XXXX and on XX/XX/XXXX I had to take my husbands to the DR. and they made us pay up front for the charges, The first charge was in the amount of {$330.00} and the second charge was {$560.00}. Our insurance company paid these charges, and the XXXX XXXX wouldn't credit them back. So, I filed a dispute and sent a copy of the insurance payments over to discover as proof of the double payment. In the meantime, I had a fraud to my account from XXXX XXXX, so discover changed my account #. That dispute was done correctly. I never received a credit for the dispute of the XXXX bills and on XX/XX/XXXX I was charged again for the XXXX XXXX bills. I have called about 13- or 14-time spending over an hour each time on the phone with discover to get one of the credits applied to my account on XX/XX/XXXX. then on XX/XX/XXXX I received a partial credit for the other charge. I received a credit of {$820.00}, this credit I am unable to send a copy of because I closed the account and can't access it. When you add the two charged together, they total {$890.00}. They still owe me {$70.00} for the bills and I should also receive the interest that I have been paying on these charged since I never received a credit and was charged again. I also requested to file a formal complaint and they keep telling me that a supervisor will call me back in 24 to 48 hour and no one ever does. I now canceled this card and want the credits applied to my account along with interest. Before I pay it off.
Product: Debt collection

I received a letter from United Recovery Systems stating that my account ending in XXXX with XXXX had been referred to them foe collection. 
I have a current copy of my XXXX Credit Reoprt that shows said account was " Closed at grantor 's request as of XXXX XXXX, 2014
Product: Debt collection

**This Complaint is not a Duplicate** Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as,  Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had this problem before literally about 7 years ago. I provided Experian proof of payments of medical bills and even spoke to collection agency. And they refused to take these things off of my credit report. 

Once again I have been fighting to clear my credit for 3 months now. An Experian refuses to remove anything. They have been doing this to me for the last 10 years holding errors and incorrect information on my account that is not mine or that should have been removed. I have been disputing for the last 3 months. Nothing has changed and no response from them either. 

I will need to have these errors removed off my account or I will have to seek legal action. 

XXXX
Product: Debt collection

Extremely rude people, called me while I was at work, I answered to ask them to call me after or I would call them back and she said no, we will just report it to your credit then, goodbye! I called back and asked for supervisor who was also rude and said he was the owner and I was n't to call there again until I was calm. I was angry for horrible treatment and rudeness that is rediculous. I tried to explain and he would not hear 1 word, yelled over me and said stop talking and do not call back. Told me to contact cfpb or whoever I wanted, he did n't care. Refused to give me someone decent to speak with
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts suddenly appear on my credit report this afternoon. I had no clue why this happened! When I checked my report, I noticed discrepancies that seemed to come out of nowhere. I even tried refreshing my browser to see if it was a temporary glitch, but that didnt help at all. The inaccurate accounts stayed on my report despite my efforts. Now, Im pleading for the documents I submitted to be reviewed thoroughly so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint as a follow-up to my earlier one, dated XX/XX/XXXX, asking that the XXXX and Equifax Credit Bureaus erase the false information they are reporting on my Credit Report. I was a victim of identity theft once more, and I'm asking to have the data associated with the fraud that was added to my credit report removed. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies must delete any information no later than four business days following the date of receipt. I previously mentioned this report and the false information in my complaint, and I'm doing it again. 
Also, the information that some Credit Bureau provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about the accuracy of the information the present on my Credit File. The following items must removed since these items were incurred due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX. The purpose of this complaint is to let the credit bureaus know that I will be suing them if they do not REMOVE the stated items from my record. My lawyer has been told of my plans, and they are eager to hold the Credit Bureaus responsible for their willful noncompliance.