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

This complaint is about an Unknown medical collection on my TransUnion credit report from a collection agency called XXXX. 

The problem is that XXXX was not able to verify this collection belongs to me and TransUnion has refused to remove it from my report What has happened is that on XX/XX/XXXX I discovered an unknown medical collection from XXXX on my credit report and onXX/XX/XXXX I disputed this with Transunion. I received notice from Transunion on XX/XX/XXXX that the debt had been verified by XXXX and TransUnion advised me to contact XXXX. On XX/XX/XXXX I wrote XXXX a letter requesting they validate the debt by producing evidence that I am indeed the person responsible for the Debt. I requested that if they could not validate the debt that they would instead please provide a complete withdrawal of their claim. On XX/XX/XXXX XXXX sent me a letter stating they are ceasing collection efforts and have closed this account in their office. They provided no other information. On XX/XX/XXXX I notified Transunion that XXXX was unable to validate the debt or provide me with any information other than the letter stating they were ceasing collection and closing the account. I forwarded a copy of the letter I received from XXXX to TransUnion with my correspondence. On XX/XX/XXXX TransUnion sent me a letter and a copy of my credit report that says they have completed their investigation and DISPUTED INFORMATION UPDATED. The updated information on my credit report continues to show this unknown and unverifiable collection. Transunion provided me with a phone number to their call center and onXX/XX/XXXX I called and spoke to a representative named XXXX ( he gave me a call tracking # XXXX ). My call with XXXX was more than frustrating. He advised me that TransUnion had validated the debt with XXXX and that I would need to contact XXXX again. I have learned that the definition of insanity is doing the same thing over and over again and expecting different results. It seems a bit insane to me that TransUnion would ask me to do the same thing they already asked me to do and expect different results. Therefore I am writing you today to file a complaint against TransUnion for continuing to report an unverifiable account on my report.
Product: Credit card

After several weeks of trying to work out the logistics of a return for defective merchandise with a vendor and realizing that we were not getting anywhere with them, I contacted Chase in order to dispute the charges with them on XXXX XXXX, XXXX. I explained the issue and that the vendor had agreed that their merchandise was faulty and that they would take back the item, however, we would be responsible for expenses associated with the shipping ( it was a dining table base so it was quite heavy and crating was necessary ). I gave all the requested information as to dates, amounts, contact information for the vendor, my contact info, as well as offered to send video documentation of the defective merchandise. The customer service rep stated that a temporary credit would be applied to the account and they would begin the dispute process. In XX/XX/XXXX, when reviewing our statement, I noticed that this charge had not been applied, nor had I received any written information regarding the dispute. I called and was told that " for some reason '' the dispute had not been processed and was assured that it would be taken care of. It was a month later when I noticed that the temporary chargeback had STILL not been completed so I began following up with Chase regularly to find out why this was taking so long. After speaking with supervisors, it became apparent that even though we had filed the dispute within the appropriate timeframe, since Chase had failed to submit the claim in a timely manner and the window for filing the dispute had passed. Over the coming weeks, we spent considerable time following up trying to get resolution. We explained, and they admitted fault, that Chase had dropped the ball and had not submitted our claim in time, even though we had done everything we were supposed to have done. They contacted the vendor who was still willing to take the table back, but were still unwilling to negotiate costs associated with shipping, which was the reason for our original dispute complaint. We were told that the timeframe had passed and since the vendor was willing to work with us, Chase was going to close our case. This whole experience was very frustrating. We did everything we were supposed to do and the ball was dropped, not once or twice, but more than 3 separate times we had to contact them for a resolution to a dispute which they had done nothing with. The only time we received anything in writing regards to this was on XXXX XXXX, XXXX when they sent a form letter with inconsistent information and implying that we were going to have the charges that were never removed from the account added back on to our next statement. As a result of Chase 's negligence in handling this dispute, this has cost us thousands of dollars in time and resources to get it back to the vendor in order to get some of the money returned. We are a small owned business so this has impacted us. We would like Chase to be accountable for the handling of this transaction and make it right.
Product: Credit card or prepaid card

Company confirmed, due to their error, they would not be charging me a late fee. Received notice yesterday that late fee is due today but there is no one at Comenity that I can speak with since they are down for maintenance. Their system is down so no one to dispute or pay for this late fee which I am nor supposed to get to begin with. The company is closed and they are charging me late fees with no way to address it. PLEASE HELP?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX ohio XXXX the following information is fraudulent and i expect that it be removed from my report. 
( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX , XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX I'm trying to conduct personal business and these matters are holding me up. 
I traveled from XXXX for residency on or around the summer of 2018. I recently was trying to obtain an account and checked my full credit report. At that time I saw medical accounts and other debts fraudulently billed to me and also a report from a XXXX checking account in XXXX XXXX unbeknownst to me. Someone has obtained my personal information and i'm not exactly sure when or how but i'd like to rectify this situation. Here are the account reference numbers : XXXX XXXX # XXXX, # XXXX US DEPT OF EDUCATION # XXXX, # XXXX XXXX   XXXX, # XXXX XXXX # XXXX, # XXXX, # XXXX, XXXX  XXXX  XXXX   # XXXX, XXXX  # XXXX
Product: Consumer Loan

I purchased my certified pre-owned vehicle from a reputable BMW dealership in XXXX, 2014. I then had to take my vehicle in due to the car stalling and having to be restarted at times when I stopped at red lights or random traffic stops. I took the vehicle in this last time a couple of weeks ago as the car did not turn back on in the middle of a busy traffic Intersectin in XXXX California. A BMW dealership had to replace the complete fuel system at this time. I asked that BMW repurchase my vehicle since it has been documented that it is no longer safe. BMW, NA only offered to make me a lump sum payment of {$1500.00}. I do not feel that this vehicle is safe. I do not have the resources to not drive it and purchase another one. I have tried to deal with BMW but I feel like I 'm being pushed to the side and that they are not concerned with the serious safety issue this vehicle poses. I need help because I do not want to get into serious injury or worse because of the factory vehicle deficiencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed investigation for collection account on my Equifax report for XXXX XXXX XXXX. The collection agency failed to respond within 30 days of me requesting validation of the debt. I requested name and address of the original creditor, documentation obtained from the creditor proving that I have a legal obligation to pay, and all notices required by law. The collection agency failed to furnish this information. Equifax failed to remove this information from my credit report when I requested and provided proof the collection agency failed to follow the law.
Product: Credit reporting or other personal consumer reports

Upon checking my report, I noticed incorrect information. I have never gave anyone consent to pull my credit. I'm currently working on my credit and have no need to get any new cards or loans at this time. Im not sure why this false information is on my report. This is in violating of my rights as a consumer.
Product: Credit card

The XXXX balance on this account is not mine nor do any of the business exist this account is way over credit limit as I have been told and I belive thus account has been signed up and been used by someone else as I am a victim of identity theft and data breach that someone has my personal information and using it for their own personal gain and ruining my credit..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an admission of documentation for the following complaints : ID FOR COMPLAINT SENT TO TRANSUNION XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX I forgot to attach with the original complaints.
Product: Credit card or prepaid card

On XXXX I was scammed for a product that I never received. A charge of {$540.00} was billed to my Citi credit card. I kept a detailed report of everything that happened and all the receipts. After contacting Citi to file a dispute, I had conversations with the merchant, Citi Bank, and Citi representations between XXXX and XXXX. I also have evidence that I went back to the merchant to sort it out between us and the merchant lied on their dispute report saying I was happy with the product that I never received. Between now and then, Citi has given me conditional credit for the dispute and reversed the conditional credit twice. This is even despite the fact that I gave a very detailed report with proof that I did not even get the product. After a lengthy email that provided my report and proof was sent on XXXX  I received a notice from Citi Bank on XXXX stating, " Our goal is to provide you with the highest standard of service. We are working with the merchant or merchant 's bank to obtain permanent credit for this charge. If the merchant or merchant 's bank will not accept this charge, we will notify you of the reason. We have re-issued a conditional credit to your account for this dispute. '' Unfortunately, on XXXX I received a letter from Citi Bank that backtracked their decision, placing the responsibility of the payment back on me for a product I never received. In their letter, Citi Bank shares with me that, " The merchant will not honor our request for credit based on the information you provided us. Every effort has been made to secure credit for your account. Since we are unable to obtain compensation from the merchant, your account has been rebilled. We now consider this investigation complete. '' I am now supposed to pay this hefty charge amount for a product that I never received since the merchant refuses to compensate Citi Bank. I believe this is unfair and unacceptable as my dispute was heavily supported in my favor according to the representatives I have spoken to.
Product: Payday loan, title loan, or personal loan

I fell on hard times and took out a small pay day loan to help with bills through Ace Cash Express. I unfortunately was not able to pay the loan off and have since been in the process for filing for bankruptcy. I have received numerous harassing phone calls in the past and at that time had my lawyer reach out to them on my behalf. I received a phone call today from a blocked phone number stating that I have a court date that I must attend for a lawsuit and to contact a mediator for further assistance. Upon doing that I spoke with a representative that informed that ACE is suing me for writing a bad check? She said that she talked down the price with Ace to half the cost with it being due immediately or they can try to garnish wages etc. I am not 100 % sure if this is a scare tactic as I feel uneasy just giving out my information.
Product: Credit reporting or other personal consumer reports

I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX account. Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX Bank has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my credit score and financial standing. This is causing significant distress and potential financial harm, and it is imperative that this error be corrected without further delay. 

XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Comenity bank 's response to the attached CFPB complaint ( XXXX ) did NOT solve the issue at hand. 

Because they did not tell me that my letter was received, but needed additional information, another account appears to be closed. Comenity closed my Victoria 's Secret Card as a 'charge off '. Because Comenity was negligent in receiving, processing, and informing me that additional information was needed, they are responsible for the adverse account status. 

I have attempted MULTIPLE TIMES to provide them with the letter they needed to remove the cease and desist notation on my accounts. I have called MULTIPLE TIMES and not once did anyone mention that my letter was received, but they needed additional information. 

PLEASE SEE THE ATTACHED LETTER NEEDED TO RESOLVE THESE ACCOUNTS. My phone number is on the letter. I will not be writing another letter to Comenity Bank.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Dear XXXX, NISSAN-INFINITI XXXX ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Mortgage

A couple of months ago, while trying to get in touch with customer service at Bank of America, I was transferred to another department who told me out of the blue that I owe a {$290.00} appraisal fee from 2009. As a result of XXXX due to XXXX in the military, my income decreased substantially and foreclosure proceedings were started on my property. When I received back-pay from the XXXX XXXX that was owed to me, I pulled the house out of foreclosure and I 've never had a late payment since then. I did n't know an appraisal was done in 2009 or that I 've owed Bank of America {$290.00} since 2009. XXXX XXXX refused to waive the fee and after I asked to speak to a supervisor she put me thru to XXXX XXXX ( or XXXX ) voicemail. I left multiple messages and he never returned my calls. I called Bank of America 's customer service number multiple times, and sent multiple messages to them via their website, and they continue to refuse to waive the fee. One phone representative said, " Why should we waive the fee when you 're the one who did n't pay your mortgage? '' I asked them how they could 've done an appraisal back in 2009 without access to the interior of my property, and they said the appraiser walked around the outside of the house. So, I was charged {$290.00} for an appraiser to walk around the outside of my house? I never gave permission for an appraiser to be on my property, I do n't think a 2 minute walk around my house meets the definition of an " appraisal, '' and it definitely is n't worth {$290.00}. This fee is also attached to the HELOC for some unknown reason instead of the XXXX mortgage. I 'd like Bank of America to waive this fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$58.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$58.00} -This is not my account.
Product: Checking or savings account

This complaint is a follow up complaint to my previous complaint that I had filed against Citibank. Yesterday On Thursday XX/XX/2020I received a letter in the mail from Citibank which states their final results into there 90 day resolution to track down and recover my XXXX dollars plus that was stolen directly from my Citibank account they provide a paper which shows their is no authorization for the transactions and amount stole at the bottom of the paper it states if you agree to these charges and total please sign here there is no signature because I did not authorize those charges. It doesn't even make sense for Citibank to provide me with what they call " evidence '' and it proves my point that there was no authorization! That's why the company does not have my signature or approval on any of their paperwork that states the amount they stole from me. ( Attached to this complaint is the 2 pages Citibank sent to me via mail ) Citibank needs to return my money that they allowed to be stolen from me. EVEN WITH THE PROOF THAT XXXX XXXX XXXX  PROVIDE CITIBANK WHICH SHOWS THAT I DID NOT AUTHORIZED ANY OF THE CHARGES CITIBANK STILL REFUSES TO RETURN MY FUNDS!!!
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And 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. These accounts XXXX XXXX XXXX. This is not complete and accurate. 
XXXX XXXX  XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Product: Credit card or prepaid card

Filed a dispute for a purchase that was returned XX/XX/22 {$120.00}
Product: Money transfer, virtual currency, or money service

I am writing in regards to express my concerns with zelle. Practically the newest lawsuit with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax to let them know that one on my account are not showing accurate information I let them know that it should not be showing a late payment. The creditor sent them information to have it removed and they still haven't removed or updated the information Equifax states they are not receiving documents even thorough it was sent out twice Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report shows me being late in XXXX, XXXX and XXXX of 2018. I lost my job during that time and was informed that because I called and made arrangements then it would not show up on my credit report. When I recently pulled my credit report I notice that it is on my credit report. I do not think this is fair and it adversely is hurting my ability to get and obtain credit.