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

Barclays bank - not authorize charges XX/XX/2018 XXXX XXXX not my account ( made a police report about identity theft in NY XXXX so far didnt get any resolvement ) i went to my friends wedding in XX/XX/2018 in XXXX. when i went out with my friends i got an alert in my phone that my card was charged and it sounded like fraud. i contacted the credit card company and called them right way and they said they will dispute the charges and send me a new card by the time i get back to NY. i went back to my hotel and found out that my bag was stolen from my room. i called hotel security but they didn't take any serious action. they didn't even speak XXXX. i lost my jewelry, camera, laptop and more valuables in a different country. was XXXX broken and came back to NY, and after 3 months i saw the Credit card company put the charges back, and i asked them for the necessary documents of those Unauthorized charges, and didn't get any feedback. i am not in a position to pay for something that i didnt Authorize. the interest are adding up and in 2 years this is hurting my credit. i have always paid my bills on time. and paid off everything and always had a great credit score and reputation. and now my reputation is ruined. i cant start a business nor buy a home, for something that i didnt do. please help me. please ... 
best regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RMP SERVICES LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX The company above is reporting a collection on my credit report that is inaccurate. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. This company is also in violation of the HIPPA. HIPAA restricts the direct sharing of patients ' health information with debt collectors. HIPAA restricts the direct sharing of patients ' health information with debt collectors.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX Account IDXXXX, 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 card

I disputed a charge in the amount of {$160.00} transaction date XX/XX/year>. I received one letter from them saying they was investigating my claim and are working to resolve it as quickly as possible. Then I get another letting from them saying they completed the investigation and they credited the {$160.00} back to my acct. Now they are putting the charge back on my account again. I have sent them a copy of the letter they mailed to me saying they completed the investigation and credited my account. They are trying to come up now and say the company provided them with docs about the cancellation policy. This should have been provided to them before they closed the investigation on this dispute. Since they have already said they investigated and had put the credit on my account and it was ruled in my favor they should not be able to put this back on my account
Product: Vehicle loan or lease

I contacted US Bank on XX/XX/XXXX to inquire about the process to pay off my auto loan as I wanted to sell my vehicle and needed it paid off and title in hand to do so. I received the payoff quote and after trying to pay it off online, which their website wouldn't allow, I called back to pay it off electronically, as they said it would be much quicker to receive the lien release on my title if I did an electronic funds transfer instead of mailing a check. I initiated an electronic funds transfer for the full payoff amount that day and was told by the US Bank representative that I spoke with that the lien would be released electronically to the California DMV within 2 business days and my title would be mailed directly from the DMV. I contacted US Bank again on XX/XX/XXXX as I checked the title electronically on the DMV 's website and confirmed that the lien had not yet been released. At that point in time I was first told that my title is not held electronically and that it could be up to 30 days before I receive it. I was upset and after the person spoke to someone else he returned and advised that he was incorrect, that the title was electronic and that the title would come from the DMV once they released it, but that they take approximately 7-10 days after receiving payment before releasing it. This is not what I was originally told and is jeopardizing my ability to sell my car. They told me they have to make sure the funds are valid and I don't stop payment, yet it was an electronic transfer and my funds cleared my account on XX/XX/XXXX. I also believe the DMV in California has a 3 business day requirement from receipt of payment before a lien has to be released and they are violating this requirement by holding my money and not releasing my lien. I also have been provided zero proof that I paid off my loan, they refuse to provide me with an email or fax confirmation/receipt and my loan has now disappeared entirely from my online account. I feel like I can't prove my loan was even paid off yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tax debt was filed in my credit reports inXX/XX/XXXX and XX/XX/XXXX. The accounts have been paid and it has been over 7 years since the debt was filed.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding the reporting of an account associated with XXXX XXXX XXXX XXXX XXXX XXXX, Account Number # # XXXX. Upon reviewing my credit report, I discovered that this account has been reported in violation of the Fair Credit Reporting Act ( FCRA ) XXXX, specifically re-aging violation. 

It has come to my attention that this account has been incorrectly reported, and its status has been misrepresented. According to FCRA XXXX, re-aging of accounts is prohibited, and it is imperative that accurate and fair reporting is maintained. 

Furthermore, it has come to my attention that reporting a closed collection is illegal. As this account has been closed, it should not be reported as an active collection. Therefore, I kindly request the immediate removal of this account from my credit report. 

I appreciate your prompt attention to this matter and request that you investigate and rectify the inaccuracies in my credit report. Please inform me once the necessary actions have been taken to delete this account from my record. 

Thank you for your cooperation and understanding.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report. As a victim of a data breach, I have discovered unauthorized accounts on my credit report, which were opened without my consent. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am entitled to have these accounts blocked and removed promptly. 
Fraudulent Accounts : XXXX. Creditor Name : XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX XXXXT o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$13000.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1300.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$430.00}
Product: Credit reporting or other personal consumer reports

Today, I received an email from Identity Theft stating I need to log in because 15 days past after the last time logged in. I felt suspicious, so I directly logged in from the site. Somehow, I felt something wrong with my credit report regarding FTC Identity Theft. Even though all three credit report companies should receive the fraud alert, it looked like both Equifax and XXXX XXXX did not receive it ; therefore, I asked them to start extended 7 years fraud alert on me. I feel strong necessary because I found out my data was breached by Equifax in 2020.
Product: Payday loan, title loan, or personal loan

All approved credit on spot in store. Set up delivery set up at same time. Short time later Wells Fargo ET AL called my wide who is XXXX my XXXX XXXX XXXX XXXX XXXX XXXX to let her know the credit was DENIED BY WELLS FARGO ET SL. They told XXXX XXXX & my wife They do not know who i, XXXX XXXX, is/am & that i do not any accounts with Wells Fargo ET AL .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX vehicle as total loss. Insurance fully compensated company and paid company. Have disputed for years, but remains as a " repo '' on my account and displays as over 180 days late. It should show paid off in full. XXXX provides a XXXX balance on the account. XXXX and XXXX refuse to correct the information, XXXX however, resolved the dispute and corrected the information immediately. 
Colorado US District court XXXX
Product: Credit reporting or other personal consumer reports

ried several times to get credit agency to verify these accounts and I never received any physical documents proving these accounts are verifiable.
Product: Mortgage

Currently we have a first mortgage with XXXX. They have been excellent. We have a second mortgage with Keybank. We have been greatly impacted over the last two years due to XXXX and other unforeseen hardships. We have struggled to make payments. We just finished our remodification with XXXX, it was an excellent experience. While we were working through that with them, after our first trial payment we received notification on our door that our house was going to auction. We contacted the lawyer who was Representing Keybank. We told him we were working with XXXX and had just made our first payment. He said that Keybank had contacted him earlier and notified him of that and they had removed the foreclosure/sale date. ( I think this is not true, I believe they were fishing for our home ) My wife is who spoke with him. We contacted XXXX who assured us things were ok. We received another notice and contacted XXXX they said until we had finalized the process we may receive documents like that. We made our final trial payment to XXXX on XX/XX/XXXX. On XX/XX/XXXX we received notice of eviction from a builder and documents from the same lawyer, that also represents the bank. The builder documents said he owned our home. That he had purchased it at auction. We called him immediately, he said that keybank had auctioned it. We said, no we talked to their lawyer in XXXX and the lawyer said they had removed any foreclosure or sale date. We talked to XXXX, they had nothing in their system concerning a foreclosure or payoff amounts or auction date or sale date. They had not talked to Keybank. The title company orange tittle claiming to represent XXXX but XXXX XXXX has no documentation from them or correspondence, this title company produced a document back in XXXX. I suspect this title company works with the same lawyer. Additionally we talked to XXXX, they explained not to worry about it. Then on XX/XX/XXXX, we received a 3day summons on behalf of the builder, who is also represented by the same lawyer. The same one we talked to in XXXX and explained key bank had removed foreclosure/sale date that the first never knew existed. I do not believe it ever did. Again fishing for our home. We have text messages and correspondence that outlines harassment from the builder in telling us to work directly with him and his attorney. We received a summons with 3 days to respond outlining XXXX a month. He also told us we had to co to us to carry the first mortgage if we wanted to stay in the home. There is other information as well.
Product: Debt collection

XXXXL J ROSS ASSOCIATES, INC Once again there is no cease and desist in place You bought the debt for cents on the dollar and are trying to make me pay for something already paid for, written off, or not even validated as mine The burden of proof is legally on you I owe you no information and refuse to give such to an unknown company You legally can not collect this as stated before. You legally can not have this on my report UNTIL it is agreed to be mine as stated before If you disagree send me a summons or remove it because I have all LAWFUL PROOF to back my claim. You never even tried to communicate with me not 1 voice-mail or anything EVER I have AMAZING credit so I know this is XXXX
Product: Credit reporting or other personal consumer reports

Upon a recent detailed review of my credit report, I experienced significant distress due to discovering numerous items that are unverifiable, invalidated, inaccurate, and highly questionable. Your agency has clearly failed to ensure the accuracy of the information reported. 

In strict accordance with the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), the accounts in question are in direct violation of these legal requirements due to their inaccuracies. I demand immediate correction or removal of these erroneous entries. 

Attached are copies of all relevant correspondence for your reference. I expect prompt action to rectify this matter.
Product: Credit reporting or other personal consumer reports

In account 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX. SYSTEM, XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Experian credit report 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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, credit repair services, or other personal consumer reports

Company has failed to properly investigate my identity theft claim. I've mailed and faxed in sufficient documents to support my claim. The credit reporting agencies have send back electronically verified responses. When i call, im unable to get anything resolved over the phone, the most helpful reps have all been located outside of the USA. i've attachment documents to be re-reviewed, hopefully i will get some assistant with the help of this complaint.
Product: Debt collection

I ordered XXXX internet service, but was unhappy with the service. I canceled it within the first month. XXXX had assured me that in this case, there would be no charge for the service. After canceling, XXXX representatives repeatedly told me that there would be no balance due on the account. In XX/XX/XXXX and XX/XX/2017, received a threatening call and a letter from Diversified Consultants , Inc. attempting to collect this {$100.00} charge. I first confirmed with XXXX that this debt is not valid. On XX/XX/2017, I spoke with " XXXX '' a " billing expert '' who told me that the account would be moved to a XXXX balance and I would not hear from the debt collectors again. I responded in writing to DCI 's letter on XX/XX/2017. Today, I learned that DCI has made a negative credit report against me relating to this.
Product: Checking or savings account

I opened a new account towards the end of XXXX XXXX. Afterwards I had my salary deposited into my account so I can earn the promo XXXX $ that was promised. Upon doing this on XXXX for the amount of {$4500.00} and accessing my account I made a small transfer via XXXX  to my other bank account to pay bills. The account was immediately frozen and I then can no longer access any of my funds via online or transfer any money to pay rent, bills, etc.. 
I contacted the company and spoke to the fraud dept. who after verifying my identity with the many methods they have explained I would receive a response within 48 hours. This never happened. I called again around 1 week later and again verified myself and spoke to the supervisor in the Fraud dept. Again same response in 48 hours you will receive a response. This never came as well. I have since opened a case with Citi Executive Response Unit XXXX Citi Reference Number : XXXX And again was told now in 15 days I will receive a response. it is now XXXX and I have yet to hear from them. 
All the while the company has stonewalled me and held my money not allowing any activity. Furthermore, I had a credit bill due which was payed and then reversed by Citibank causing a fee to be incurred and forcing me to maintain a higher balance which again has caused damages by interest assessed. This company is an absolute fraud and has no ability to resolve its issues while continuing to steal my money even after I have provided all the needed documentation and text verification and anything they want to assure them it is me and only me taking actions on my account yet they continue to delay and delay while holding my funds. I have personal credit cards with this company since XXXX as well as unsecured loans i have took out and have paid back. However, the moment i deposit funds into their bank they take my funds and hold it with no response or reason as to why. I will never bank with them again I want access to my funds as more than 1 month has now passed with no response. Furthermore, I will be seeking damages they have caused me by delaying payments not allowing me to pay my bills and running higher credit usage than normal.
Product: Credit card

I purchased XXXX XXXX and was offered a 2 year interest free loan through Comenity Bank/healthiplan. They accepted and processed my XXXX payment on XX/XX/2024 as it shows in my bank records. Comenity bank denies the payment was made and has charged me a late fee of {$40.00}. They will not accept the letter from my bank regarding the payment and insist on a photo copy of check as proof. No photo copies are made as they process paper check payments electronically. The check was mistakenly made payable to Healthiplan rather than comenity-healthiplan.
Product: Checking or savings account

As of today, Chase bank STILL possesses XXXX dollars of mine, as they declined an account opening. They couldn't verify me. They never asked for ANY proof of ID. YETsent me a debit cards and a confirmation it's opened. Chase is illegally in possession of my money, either contact me today by phone with resolution, or I will file charges. I received a call yesterday, and the rep hung up on me. After calling back, she had " left for the day ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer financial ran my credit without verbal or written approval. When asked why this was done, I did not hear back from anyone. They closed my first complaint with zero resolution to my issue and did not remove the inquiry. I would like the inquiry removed from my report as this was not permitted by me, I was not refinancing or doing anything that would allow them to run my credit.
Product: Credit card

I have been in contact with them several times the charge happened on XX/XX/year> and they keep telling me itll be taken care of and 3 to 7 days and it is not being taken care of. Ive called at least eight or nine times and they tell me the same thing over and over again and the charge is still on there.
Product: Debt collection

I have been going back and forth with the XXXX credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/2023 for the same exact thing. I live in New Jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. 

Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$670.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$320.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WI XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, USAA SVG BK XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}