23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased an XXXX XXXX XXXX filter on XX/XX/XXXX. It was {$560.00}. I paid extra for delivery by XX/XX/XXXX. The amount was charged to my Amazon card. The air filter was never delivered. I called to cancel. I was initially told that Amazon could not refund me the amount until the " carrier '' sent the item back to them. I told them the Amazon website says the filter was never sent to the carrier for deliver to begin with. Two ( 2 ) customer service representatives on different occasions told me the charge was removed from my account. As of today, the charge is still on my account accruing interest. I attempted to engage in a chat online to resolve the dispute and the customer service representative ended the chat saying I had to file a disputed charge. Amazon continues to charge me interest each month on this unwarranted charge for an item I never received.
Product: Credit reporting or other personal consumer reports

This account has a first late payments XX/XX/year> which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received one report from you but it does not have the information I requested mentioned above, that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to formally dispute the accuracy of the following account on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I have reviewed my credit report and found that the information reported by [ Creditor Name ] regarding account number [ Account Number ] is inaccurate. 


The information associated with this account is [ incomplete/fraudulent/inaccurate ]. I believe this error has negatively impacted my credit profile, and I am requesting an immediate investigation into this matter.
Product: Debt collection

MIDLAND CREDIT ) ( READ CAREFULLY ) IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE. THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED WHITIN 7 DAYS I WILL BE SEEKING REMEDY UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION, UP TO {$1000.00} PER VIOLATION, AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL BE TAKING LEGAL ACTION AGAINST ( MIDLAND CREDIT ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 7 DAYS. THANK YOU.
Product: Credit card

XX/XX/XXXX I made a payment from my bank account to my credit card company. They both acknowledged it right away. It showed up on both accounts on XXXX XXXX was taken out of my checking account, applied to the credit card company-Citi Bank. 
Citibank is not applying it to my balance on my credit card-they are saying they received it and it posted on my card, but they won't let me use that amount on my card. They are not showing the correct amount available on my credit card.
Product: Debt collection

XXXX XXXX, a debt collector with ASCI - Automated Collections Services, Inc of XXXX TN.- has called me twice in one week on a debt that is not overdue. She called me twice over a debt where the most recent payment was exactly 20 days prior. ( Paid XX/XX/XXXX, called by this representative on XX/XX/XXXX and XX/XX/XXXX. ) This is outside the 30 day guideline. Furthermore she was rude in her tone to me and stated that ASCI has not " heard from me since XXXX. '' ( This is on XX/XX/XXXX ). I told her that yes, that made perfect sense ; because I paid them in XXXX and now it's XXXX. But she seemed unable or unwilling to acknowledge that my payments have been completely on time. I am disgusted by being targeted and spoken to as someone who is delinquent when I am not by a representative for a company who I have paid on time.
Product: Debt collection

I dont even know if its me they are trying to get a hold of, since I get other calls for the previous owner of my number. They keep calling without leaving a message, and when I block them, they call under a different number and use the same tactic of calling and hanging up without leaving a message. Im assuming theyre a debt collector because thats what I get when XXXX  the name ( Midland Credit XXXX Always shows up no matter what number they use. ) If its me theyre after for a debt, the least they can do is honestly get a hold of me instead of constantly just calling and hanging up. Thats downright harassment and poor business practices.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking account with Citibank, they decided to close my accounts on XX/XX/22. I was told several times I would get a check for what they owed me but it was never sent, .all I do is talk to XXXX and was told I would have a check by XX/XX/22 which I never received! I am getting the run around from Citibank and want the money that they owe me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently submitted Experian certified letters containing police reports, identity theft affidavit, and a signed document from the Federal Commission Trade # XXXX. To notify your that I am a victim of identity theft, and that the accounts they are reporting on my credit files are fraudulent. They keep ignoring all the police report and putting unknown accounts on my credit files. 
They have recently deleted some accounts and then added them back to my credit files. I have sent several notices from the companies that these accounts are indeed fraud. Yet they still report them. 

Creditor : XXXX XXXX Account # : XXXX Balance : {$0.00} Creditor : XXXX XXXX Account XXXX XXXX XXXX Balance : {$0.00} Creditor : XXXX Account # : XXXX balance : $ {$19000.00} Creditor : XXXX XXXX Account # XXXX XXXX : {$430.00} Creditor : XXXX XXXX Account : XXXX Balance : {$230.00} None of these companies have my accurate personal information. All of theses creditor did not have authorization from me to obtain any credit accounts. 
After I carefully contacted each creditor no credit has accurate information to report anything on my credit files. 

The names are misspelled, the address are fraud I never resided at any of the addresses on file. 

All of my consumer statements have the wrong information in it. I have contacted these bureaus to inform them of theses identity theft issues, but my efforts are being ignored by these companies. I have no knowledge of these accounts, nor the fraudulent information they are reporting to my credit files. They have been violating my consumer rights and making my life difficult. I cant even use my own personal information because these companies are basically reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; 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

This is a complaint to Experian, XXXX, and XXXX pursuant to the provisions of 15 U.S.C. 1681i. 

After reviewing my credit reports I noticed that your company are violating the Fair credit reporting act by improperly using my credit reports for the following accounts ; [ XXXX Account Number : XXXX ] [ XXXX Account Number : XXXX ] [ XXXX  XXXX Account Number : XXXX ] These accounts are charged off/canceled debt. Because it is canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication XXXX The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT which in fact makes the reporting of this information inaccurate. I provided a screenshot from the IRS website for further evidence. As your company know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). 

This is not only a violation from these companies [ XXXX, EXPERIAN, XXXX ] but it is also a violation from the furnishers of this information pursuant to 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 a reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

IVE called and reported fraud on my account back on XX/XX/23, i was assured that account would be removed from report after account was confirmed as fraud and not mine. i have recording from XXXX stating that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XXXX Acct. # XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry US Dept Ed Acct. # XXXX US Dept Ed Acct. # XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit card or prepaid card

Comenity Bank for my Ulta MasterCard. I've been unable to login for the last week ( end of XX/XX/2022 through today XX/XX/XXXX ) or use EasyPay  or get through by phone to make a payment. The company has communicated poorly regarding their attempts to solve the problem, and I'm concerned my inability to access their site to make my payment will negatively and erroneously affect my credit, which may be cumbersome and burdensome for me to correct when the mistake is theirs. Upon regaining access, I will be paying the account off in full and closing it permanently.
Product: Debt collection

This company has been threatening to retrieve my property and take money from me I have never had any type of credit card with this company but they keep calling and sending me letters saying I owe a debt please help its affecting my life and mental ability everyday
Product: Credit reporting, credit repair services, or other personal consumer reports

I was directed to sign up for an account with them and I had no notice that I was being made to sign up for their credit monitoring service. Why would I want the people who already got my info hacked to manage securing my info? I was told I needed to sign up for an account to see their services. Once I finished signing up for a username/password I get a notice from my bank that they charged me {$26.00} for a service I already get for free from my credit union!!! This is at best shady, and at worst fraudulent. Considering I see they have already been sued for this XXXX in the past they need to refund my money. I will call them repeatedly until I get my money back.
Product: Debt collection

In XXXX, my identity was stolen and used to file taxes and in XXXX, my identity was used to apply for loans, credit cards, and only XXXX knows what else according to my knowledge. As I'm not exactly sure who nor when, I can only assume it's due to the XXXX web and also when my personal information was auctioned off in a storage unit that I lost in XXXX. I immediately placed an initial fraud alert on all 3 of my credit files with all 3 major credit bureaus. I then signed up for credit monitoring and I have filed an ID theft affidavit and a police report. Your help would greatly be appreciated to resolve this issue. As you well know it is a violation of the FCRA to report erroneous information and accounts without original contracts with signatures. I ask that you validate these debts fully so that this issue may be resolved immediately.
Product: Credit card or prepaid card

My credit card payment was due XX/XX/2022. XXXX days earlier I scheduled a payment for XX/XX/XXXX on the bank 's online website. I checked all specifics twice to ensure accuracy. Yet, the bank did not process my payment until XXXX day after the due date, on XX/XX/XXXX. Consequently, it charge me a {$25.00} late fee and {$6.00} in interest. For XXXX years I have always paid the bank on time. Either the bank criminally manipulates payment dates or the bank 's software and data are corrupted. Whether intentional or unintentional, the bank is stealing money from the consuming public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX XXXX XXXX XXXX collection account on my credit report that has been there for over 24 years that I have tried to get removed no end. My daughter is XXXX years old I only have XXXX child and she was stolen from me when she was XXXX. The child support court order was a fake order taken to the child support office to have it enforced and I didn't know it. I had hearings with the child support office to get it removed but they wouldn't without a court order and I couldn't get a court order because there was no original court order to begin with. Its been a nightmare. The credit reporting agencies will not stop or remove the collection on my account after 24 years its ridiculous. Its ruined my life. Having my daughter stolen ruined my life I had a complete mental breakdown that I didn't recover from for 16 years. I deserve a XXXX break! My daughter was born XX/XX/XXXX, she was emancipated when she was XXXX years old and she is going to be XXXX this year. 

Also listed on my credit reports are the same debt twice just under different names. Once for the original creditor then again for the collection company. I have unbelieveable amounts 40 to be exact of credit inquiries which I didn't authorize many of them are on there from auto loans and payday advances multiple times and credit multiple times. I live on SSI I get {$500.00} I don't apply for credit. My name is misspelled on my reports for the names they have listed and they won't remove it after I disputed it. There are other social security numbers listed on my credit reports and I have absolutely no idea why I am clueless to that. I only have one social security number and I have never used any other number than the one thats mine. The reports show I owe $ 72,000+ but the accounts I do owe don't total that amount so I have no idea where they are getting that figure. I'm so sick of this. Please help me.
Product: Debt collection

They contacted me as XXXX XXXX regarding a medical debt saying I owed XXXX XXXX XXXX, however I sent them.a copy of my explanation of benefits stating I did not own that dr any money. Therefore there letter could not be validated. A month or so later I recieve another letter from I guess their partner company.A month or so later I get another letter from Medi credit aboutthe same {$93.00} Debt this time with a different date of service as the initial information was incorrect.After getting into it with XXXX XXXX and his Manager. I called XXXX XXXX XXXX XXXX and asked did I owe any money and paid them directly.The debt collectors knowingly having this information back dated the dates and reported this information to my credit report unlawfully.1 because I did not have a contract with them.2 because they never validated the debt. The collection was removed from my report after I disputed it, The better business bureau put it back a monthXX/XX/XXXXFCRA law Violation see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are not mine. Please remove these items from my report. XXXX  XXXX {$2500.00} XXXX XXXX XXXX {$580.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Mortgage

Hello, I have Pentagon Federal Credit Union Mortgage and Mortgage loan # XXXX. I received a letter today that my PMI Cancellation request has been turned down since the principal balance of mortgage balance has not reached 80 % of the original value of the property securing the loan. I also spoke to Penfed Mortgage Department and they told that they used the old appraisal from XXXX and told to send another request. 

This request is to use the home appraisal which was done by Penfed Home Equity department in XXXX XXXX, which came to {$500000.00}, so please use the latest appraisal and remove the PMI on my loan. Also attached is the appraisal copy and please use last XXXX digits of my SSN to open the attached appraisal done by Penfed Home Equity loan department. 

Thank you, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing inaccurate information reported on my credit file by AutoNation. The account in question pertains to a vehicle that was repossessed in XXXX, yet AutoNation continues to report the account as repossessed and charged off without properly verifying the information or issuing a Form 1099-C as required.

Issues with Reporting : 1. Repossession and Charge-Off : AutoNation is reporting that the vehicle was repossessed and the account charged off. While the repossession occurred in 2022, this reporting remains on my credit file without appropriate updates or resolution.

2. Failure to Issue Form 1099-C : I have not received a Form 1099-C for the charged-off account, which raises questions about the validity of the reporting and whether the debt was canceled, discharged, or otherwise resolved. 
XXXX. Inadequate Investigation : Despite disputing this information, AutoNation has failed to provide verification or adequately substantiate the accuracy of the account, as required under the Fair Credit Reporting Act ( FCRA ). 

Violations of Federal Law : 1. 15 U.S. Code 1681 ( e ) - Compliance Procedures : AutoNation, through the credit reporting agencies, is required to ensure the maximum possible accuracy of the information it reports. The failure to provide accurate and substantiated information constitutes a violation of this obligation.

2. 15 U.S. Code 1681 ( i ) - Dispute Procedures : When I disputed this account, AutoNation failed to conduct a reasonable investigation or provide verification of the information.

3. Harm to Reputation : The inaccurate reporting has caused harm to my credit standing, leading to denials of credit and other adverse actions.

Request for CFPB Action : I kindly request that the CFPB : 1. Investigate AutoNations reporting practices concerning this account.

2. Require AutoNation to provide appropriate verification of the account or remove it from my credit report. 
3. Ensure compliance with the FCRA, including the issuance of a Form 1099-C if applicable, or confirmation of why it has not been provided.

Supporting Documentation : I have enclosed the following documents for your review : A copy of my credit report showing the inaccuracies related to AutoNation.

Correspondence related to my dispute with AutoNation and the credit reporting agencies.

Additional supporting documentation to substantiate my claims.

Thank you for your prompt attention to this matter. I trust in your commitment to protecting consumer rights and ensuring the accuracy of credit reporting.
Product: Credit card

I applied for Destiny Card. About 2-3 months ago. It was declined because the XXXX or XXXX report was locked. I applied because it was recommended card. I had called the Destiny Card people 3 or 4 times and she couldn't tell me anything. I am client and user of services with XXXX XXXX XXXX. But XXXX kept giving me Same excuse. And never heard anything back about it. It's a card for people with certain credit score.