23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to express my frustration and disappointment regarding the unresolved matter of a collection account on my credit report. According to our previous correspondence and agreements, this account was scheduled to be removed from my credit report over two months ago. Despite numerous attempts to reach out to your company via email, I have not received any response or resolution to this issue. 

The collection account in question is XXXX XXXX. Per our previous discussions and agreements, it was agreed upon that this account would be removed from my credit report once the necessary actions were taken.I paid the balance off on XX/XX/XXXX for {$120.00} agreed upon by XXXX XXXX However, despite fulfilling my obligations, the account remains on my credit report, negatively impacting my credit score and financial standing. 

I have made every effort to communicate with your company regarding this matter, but the lack of response and resolution is unacceptable. I expect prompt action to rectify this situation and ensure that the collection account is removed from my credit report as agreed upon. 

I kindly request that you provide written confirmation once the account has been successfully removed from my credit report. Additionally, I expect a response to this letter within [ specify a reasonable timeframe, e.g., 14 days ] to acknowledge receipt and outline the steps being taken to address this issue. 

Failure to resolve this matter in a timely manner may result in further action, including formal complaints to regulatory authorities and legal recourse. 

Thank you for your attention to this matter. I look forward to receiving a prompt response and resolution.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding LexisNexis for reporting false and inaccurate information on my credit report, which they claim has been " verified. '' This information is incorrect and has resulted from fraud and identity theft. 

When I attempted to dispute this information, LexisNexis refused to process my dispute, stating that they were unable to verify my identity. Despite providing the necessary information to support my identity and dispute, they continue to uphold the incorrect data without properly investigating or resolving the issue. 

As a result of LexisNexiss failure to accurately verify my information and their refusal to allow me to dispute the erroneous records, I am suffering from significant harm to my creditworthiness. This situation has caused me distress, and I am seeking immediate action to correct this matter. 

I respectfully request that the CFPB take appropriate measures to ensure that LexisNexis investigates and removes the fraudulent information from my credit report. Additionally, I request that they improve their dispute resolution process so that individuals affected by identity theft and fraud can have a fair opportunity to correct their credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting unverified derogatory tradelines on my credit report.
Product: Money transfer, virtual currency, or money service

I made 2 separate deposits on XX/XX/21 and XX/XX/21 into the account at Binance.us that I set up in order to trade cryptocurrency. I was informed that I would not be able to make a withdrawal for ten days after each deposit. It has now been much longer than ten days since my first {$1000.00} deposit and I have not been able to withdraw any USD or ADA from my account. They do not have a phone number to reach them at, and I have attempted multiple times to contact them with their messaging service to no effect. I have since searched around on the internet and have found several other complaints about them seizing people 's funds for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX. I know for sure I am being CHEATED out of a decent credit scores due to MASS UNAUTHORIZED Inquiries that have impact my credit scores. These are inquiries made by companies with whom I have NOT applied for a loan or credit. I do not think its fair to ruin my credit score whereas these unauthorized inquiries remain on my credit file for up to 2 years. I need to know to whom do I contact to have mass unauthorized inquiries removed at once. I refused to be a victim of all credit bureaus that powers over their decision to leave these unauthorized inquiries on my credit report when I have for the last 6.5 years has worked my XXXX off trying to maintain decent credit and or credit scores? and allow something to hold me back while trying to purchase a condo. 
I have spoke to a local attorney who has informed me that if I did not go into to these companies and or speak to any of these companies to authorized them to run my credit file then all fraudulent inquiries must be removed from my credit reports at once. 
I mean all credit reports. XXXX, XXXX & equifax asap. I have no ideal how these companies I am posting in this complaint got a hold of my social security number. anyways if its not me then all inquiries must be removed. I have also sent hard copy US mail & email process to United State Attorney General 's office, Congressman XXXX XXXX. This must stop it ruining peoples opportunities to better themselves. How can this happen if you have never been in their face and or phone call and or place of business
Product: Debt collection

I had an automobile accident in XX/XX/2017, where the other driver was clearly at fault. I had to undergo ER treatment at the XXXX XXXX in XXXX, VA ( XXXX XXXX XXXX XXXX, account No. : XXXX ). At the time of the treatment and subsequently, I have provided their billing department the proper information about my healthcare plan - Group Number, ID, phone number, copy of the card. I have submitted this information multiple times - over the phone and via USPS mail. For some strange reason, the ER billing team has failed to submit the claim to my insurance carrier and have chosen to retain the collections agency AR Resources, XXXX XXXX XXXX, XXXX XXXX PA, XXXX, phone : XXXX, my account No. : with them is : XXXX. I believe I have also provided this debt collector with my insurance card, and again, they have failed to submit a claim. They have chosen instead, to harass me with multiple letters and numerous phone calls, during work hours. I have instructed them many time to file a claim with my insurance carrier and they have chosen to ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute as to entry on my credit report. TransUnion failed to investigate until I established that I was who I purported to be and lived where I purported to live. Under the Fair Credit Reporting Act, I have the unfettered right to file a dispute and TransUnion chilled the exercise of that right. I am angry. I would not have filed the dispute unless I had access to my credit report. Obviously TransUnion knew who I was and where I had lived. It had sent me the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX # XXXX is reporting a new erroneous late in XX/XX/2019. I have never had a late in that month before and only on this most recent update to the credit bureaus has this late appeared. It is inaccurate and erroneous and it needs to be deleted.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an offer from American Express Credit Card to receive XXXX membership reward points if I added an authorized user to my credit card by XX/XX/XXXX and the user spent {$2000.00} on the card within 6 months of opening. 

I added an authorized user on XX/XX/XXXX and received email confirmation of their approval on XX/XX/XXXX. Further, I confirmed I spent well over the {$2000.00} within 6 6 months to qualify for the reward. 

A month after doing so I reached out to American Express to see when my points will be rewarded and was told it could take up to 8 weeks.

After not receiving any points within 8 weeks I followed up around XXXX of XXXX and had a customer representative open a case to review. I never heard back from American Express on this so I called a customer service representative on XX/XX/XXXX, who told me the case report said I was not eligible for the offer because I added the authorized user after XX/XX/XXXX. Since I know that is not the case ( and have email prood ), I requested to open a new case and attach a copy of the email approval on XXXX as proof that I qualified for the offer. 

On XX/XX/XXXX I followed up on my new case with a representative who told me my case was reviewed and the outcome of the case was that I never had the offer on my account that I claimed to have. 

I am getting really frustrated because I keep getting different information every time I call, and feel like American Express is trying to avoid giving me the reward I deserve. 

When I call their customer service line, I am only able to have a representative open a case for me, rather than review it live. The team that reviews these requests is back-office which makes it impossible to get a clear answer. 

Please help me get the points I deserve. Thank you!
Product: Credit card or prepaid card

On XX/XX/XXXX I was approved for " Credit Card Direct Mail Campaign '' rewards card through Bank of the West. The rewards program states that I must charge {$1500.00} in the first three months, beginning at approval date, and I then i would qualify for the {$150.00} bonus. Towards the end of XXXX I emailed Bank of the West asking for the status of the {$150.00} dollar bonus. On XX/XX/XXXX they answered and stated that I had only charged {$1300.00}, so I did not qualify for the bonus. On XXXX, XX/XX/XXXX and XX/XX/XXXX I again requested their decision after I had explained the below concerns. there answer is that they are still working on the research. 
My concerns are that I did not receive the bank card until at least 3 full weeks after approval. I believe the normal time period for receipt of the bank card after approval is 3- 10 days. My explanation is that I could not charge to the card if I did not have it. On XX/XX/XXXX the bank easily had posted over the {$1500.00} requirement. I thought that perhaps the reason for late receipt of the bank card was due to COVID 19.

It appears that they are dragging their feet hoping that my request will go away. If this has happened to me, it may be occurring with others.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected and confidentiality under 15 USC 1681
Product: Debt collection

am writing to formally dispute the XXXX XXXX account listed on my credit report. This account, which was previously removed, has reappeared and is being reported incorrectly. I have requested a 1099-C form multiple times, as this account was recorded as a profit and loss. 

The presence of this error is significantly hindering my ability to secure essential resources for my familys future. I kindly request that this account be removed from my credit report as soon as possible. 

If this issue is not resolved promptly, I will have no choice but to escalate the matter to the courts and the IRS due to the fraudulent nature of this reporting. 

Thank you for your immediate attention to this urgent matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS RECIEVING MAIL AND PHONE CALLS ABOUT DEBTS THAT I WAS UNAWARE OF SO I DID MY INVESTIGATION AND CHECK MY CREDIT REPORT AND NOTICE THERE WAS DEBT I KNEW NOTHING ABOUT SOMEONE HAD USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

My XXXX payment on my Best Buy account was due on XX/XX/XXXX, in the amount of {$29.00}. I paid {$40.00} that posted to my account on XX/XX/XXXX. On XX/XX/XXXX, the statement was issued. It still showed that I owed {$29.00}, despite me having paid {$40.00}. I emailed a dispute of the statement amount owed to Citibank. On XX/XX/XXXX, Best Buy/CBNA sent to me a reply, promising to notify me of the resolution to my dispute. Instead, on XX/XX/XXXX, Citibank began telephoning to my telephone, leaving messages more than once a day that my payment was past due. I texted to the umber that the calls are coming from, asking that the calls cease in respect for my privacy, and that the account be corrected, since I paid more than the amount owed for XXXX. Then, a XXXX statement was posted to the account, showing that, where, after the XXXX payment, I owed a balance of {$460.00}, now I owed {$490.00} as of the end of XXXX, and a payment past due of {$63.00}, with no explanation as to what why the balance increase or what the figure represents. Then, on XX/XX/XXXX, Citibank reported to the credit reporting bureaus that I was a month behind in my payments, and then reported that it was decreasing my {$5500.00} credit limit to {$550.00}, making my already existing outstanding balance now XXXX XXXX of the available credit for the account. 
Today, XX/XX/XXXX, Citibank has telephoned to my telephone twice, alleging that I am behind in my payments. I have a perfect payment record on this account, never once late or failing to pay.
Product: Debt collection

ACCORDING TO THE BANKRUPTCY COURT THEY ARE NOT REPORTING ANY BANKRUPTCIES AND THEY DON'T HANDLE IT BUT WHY ARE YOU REPORTING THIS BANKRUPTCY ON MY CREDIT REPORT?
Product: Consumer Loan

Regional Acceptance has been contacted my cell phone 4-5 times a day via auto dial & wo n't leave messages. Additionally, on XXXX/XXXX/15 they did call me and leave a voicemail at XXXX XXXX PST - which is a clear violation of the FDCPA to contact me prior to XXXX XXXX PST as I reside in California.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that 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. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out an account named XXXX XXXX was opened up in my name when I received my credit report I contacted the company and informed them that the account was Fraud, I provide a police report, I provided a FTC report, I provide My ID, I even filled out their Affidavit that they told me to fill out and they are still stating that the account is mine even though I provide multiple information. I have been dealing with this since account since 2018 they have had collection agencies call me about this account even though they know the account is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please delete the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

I had a debit card provided by an employer ( XXXX XXXX that was stolen from me around XX/XX/2022. On XX/XX/XXXX, I became aware that the money on my card was used by someone else for {$800.00}, from XXXX XXXX XX/XX/XXXX. 
After calling and reporting this issue to Comdata ( the bank issuing my XXXX XXXX ), I was instructed to dispute each transaction online. Then I received an email from a comdata representative basically telling me to investigate my own case by calling each business my card was used at, ask about there refund terms, and ask if they would be willing to issue me refund. My problem is I do not believe my card company is trying nearly enough to dispute or replace the money I worked hard for. 

I followed their instructions even though it was difficult to try and talk over the phone with business about my card being used. Most of the businesses asked why does my card company have me reaching out to them, and that if fraud really did happen, that their card services would have to refund me. Im almost 100 percent sure comdata should not be instructing users of there service to figure out if they can get a refund. 

Attached is a picture of the email instructions Comdata sent to me filing after disputes.
Product: Credit card or prepaid card

See attatched Transactions on statement XX/XX/XXXX. See attached Transactions XX/XX/XXXX. See attatched Fraud Letter dated XX/XX/XXXX. THE XXXX XXXX CREDITS {$120.00} REVERSED. Kindly note XX/XX/XXXX statements transactions XX/XX/XXXX temp credit of {$120.00} to begin fraud investigation CONFIRMS USAA Reports fraud I DID NOT REPORT SLANDERING. ( rep XXXX XXXX lies ) MY NAME TO CFPB. & CRAs ( USAA ACCUSED ME OF REPORTING FRAUD ON A RETUNED ITEM XXXX XXXX {$120.00}. XX/XX/XXXX ). USAA began a fraud investigation XX/XX/XXXX. Kindly note statement XX/XX/XXXX transactions do NOT SHOW USAA BEGINNING fraud investigation on XXXX XXXX {$120.00} with temp adjustment credits in XXXX OF XXXX THIS SHOWS FRAUD INVESTIGATION BEGAN. XX/XX/XXXX AND WAS REVERSED XX/XX/XXXX XX/XX/XXXX. ** WITHOUT ANY USAA CREDIT APPLIED. USAA LIES AND LIES. THIS IS DEFAMATION AND FRAUDULENT ACTIONS OF REVERSALS. I believe this is done to CREATED CREDIT REVERSALS when USAA gave NO PERMANENT CREDIT.
Product: Credit reporting or other personal consumer reports

At the end of XX/XX/year>, I went to try and co-sign on a student loan with my son. I was denied. My report stated serious delinquency, and with some research it was with XXXX. In XXXX XXXX XXXX I received a letter from XXXX stating that we had a balance of {$440.00} that had not been paid. I did not make these purchases nor had I received a statement show this balance. When we called to inquire about this, a lady by the name of XXXX, advised us to to a pay off of the amount of {$300.00}. This was with the understanding that this would put us in good standing with both XXXX and the Credit Bureaus. In fact, it did not do either and as stated above it harmed our credit. I also would like to note that I had been a customer for XXXX years with no issues of paying bills. When calling XXXX we were told to call the credit bureau because they would be able to take it off our report. When I called XXXX, equifax, and XXXX they said it was up to XXXX. I would like someone to take charge and do what is right.
Product: Vehicle loan or lease

I dispute the negative entry on my credit report from Mercedes-Benz Financial regarding account # XXXX, which shows a balance of {$210.00}. This is not my responsibility. 
I traded in the vehicle associated with this account at XXXX Mercedes-Benz XXXX XXXX and used the trade-in value toward the purchase of another Mercedes-Benz vehicle. As part of the trade-in process, the dealership calculated the balance owed and provided me with a new car. Under the terms of the trade-in agreement, the dealership should have assumed responsibility for paying off the remaining balance on the old vehicle. 
I was informed that the trade-in would clear the balance, but it appears that the balance was not paid as agreed. Since I fulfilled my obligation by trading in the vehicle, I should not be held liable for this amount. I request that this account be reviewed and corrected as necessary. 
Please investigate this matter with Mercedes-Benz Financial and update my credit report accordingly. I would appreciate prompt resolution of this issue. 
Account # XXXX ( Leased Vehicle ) : I leased a vehicle through Mercedes-Benz Financial during the COVID-19 pandemic. At that time, due to financial hardship, I called Mercedes-Benz Financial to request a voluntary return of the car. They accepted my request and I was told that, based on the sale of the car, I should expect no further financial obligation, and I believe they also indicated I might receive a refund as the car sold for more than the amount owed. 
However, despite this, Mercedes-Benz Financial reported this account negatively on my credit report and is now requesting I pay {$770.00}. This amount is unfair and unjust, as I was led to believe that the cars sale proceeds would cover the balance owed, and I should have received a refund for the excess amount. I request that Mercedes-Benz Financial provide documentation regarding the sale of the vehicle and apply any excess proceeds to my account, including refunding me any amounts owed.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
RECOVERY MANAGEMENT SERVICE***** ( Original Creditor Name XXXX XXXX XXXX ) Opened XX/XX/2020 Balance {$2700.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting correctly. I had XXXX late payments on an account that I know in fact was in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.This account has not been on late on payments.I 've attached a copy of my report for this complaint on the following date ( XXXX, XXXX, XXXX  ) I'm now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt attention.