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

This is a separate complaint from XXXX. I was rebilled for a separate transaction dispute that had already been resolved. The complaint made on X/X/17 resulted in a refund ( {$280.00} ), however a different charge ( {$230.00} ) was re-billed to my account without reasoning. On X/XX/17, I filed a complaint with your department ( Complaint ID XXXX ) regarding a charge I was disputing with Capital One. On X/XX/17, Capital One credited my account for the {$280.00} from my complaint, but re-billed me {$230.00}, a charge for a separate unrelated dispute I previously had with them. I contacted them several times regarding this matter. They refused to speak to me regarding either of my disputes and insisted I contact the " executive resolution department, '' however provide no phone number or contact information for me to reach out. The last notice I received regarding this charge was on X/XX/17 requesting additional documentation to continue my dispute. They asked for a sales invoice and a second opinion on company letterhead from another merchant regarding the same matter. Both of which I submitted. Credit was issued and no further information was required of me. Please review documents attached. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  of XXXX and XXXXXXXX XXXX  failed to comply and follow federal law of the 15 US Code 6802 with respect to my personal privacy and disclosure to my own information. 

These Banks and financial information never afforded my the opportunity to opt out of disclosing my person information to a third party consumer agency pursuant to : 15 code US 6802. 

a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

These hard inquries were reported to All 3 major Credit agencies : XXXX  XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX According to Federal Law these Financial institutions did not have my written consent to disclose my personal information pursuant to any would be transaction between myself and the creditor associated to these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year> the following companies illegally accessed my credit report by processing inquiries without my knowledge or consent. I have no knowledge of who these companies are. They made numerous inquiries on my credit reports on both days. 

On XX/XX/year> and XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$620.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on three occasions asking how I can find out when a particular item will be removed from my report due to age. The other two agencies list dates items will be deleted, Equifax does not.
Product: Debt collection

unknown debt placed on my credit report XX/XX/19 damaging my credit & receiving harassing calls. please remove unknown debt
Product: Debt collection

XXXX XXXX XXXX  did not comply with the 30 day dispute nor any requests I had made, and then filed a lawsuit against me in order to collect a debt that was paid through a debt consolidation company I was using. A dispute letter was sent via certified mail to XXXX XXXX XXXX XXXX as well as to XXXX XXXX XXXX which represent XXXX XXXX XXXX which was signed for XXXX. I received a motion for XXXX XXXX dated XXXX. I received a packet of papers for my written dispute which was postmarked for XXXX. I also have an attorney representing and she reached out to XXXX XXXX at least 3 times via email and no response to anything that was sent. The last court date I attended another attorney was in attendance not XXXX XXXX. The case was dismissed without prejudice. I had all documents from my debt consolidation as well as my attorney and this left the case open for them to pursue me further. I tried contacting Rausch Strum LLP for clarification on this matter and no one ever contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires on my credit report : XXXX  ( XX/XX/2020 ), XXXX ( XX/XX/2020 ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/2020 ). I NEVER authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit card or prepaid card

XXXX XXXX CARD Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX DE This was not me. I suspect a man named XXXX XXXX XXXX XXXX XXXX XXXX. 
Birthday XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$280.00}
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against the XXXX major credit bureaus, Equifax, XXXX, and XXXX, for their failure to investigate inaccuracies on my credit report regarding XXXX XXXX XXXX, despite multiple attempts on my part to rectify the situation. Enclosed with this letter are copies of my credit reports from all three credit bureaus, which clearly indicate the erroneous information associated with XXXX XXXX XXXX. Despite my repeated efforts to dispute and correct this misinformation, none of the credit bureaus have taken the necessary steps to investigate and rectify the issue.
Product: Credit reporting or other personal consumer reports

Unfortunately my auto pay was turned off on my XXXXXXXX XXXX XXXX  did not properly notify me until I was almost 2 months late. Their emails did not indicate that I was late on a payment the subject line just said your payment is due. Anyways it was a {$30.00} payment I paid the card off the balance was only {$200.00}. I have excellent credit I have many open credit cards I am below 25 % on my credit usage. XXXX reported it to XXXX and XXXX they dropped my credit score by XXXX points because I had such a high credit score. Now my credit score is poor. I had a XXXX now I am down to a XXXX. Why is it that they can get away with dropping credit scores over XXXX down XXXX points for 1 late payment yet someone who has a XXXX credit score will only lose XXXX points in a situation like this? 
That is my problem why did I not only lose XXXX points? 
Why do I get XXXX points taken off? 
Plus they did not evaluate my entire credit situation and everything that has been paid on time for the past 7 years. How is this fair reporting? That is my question.. why are we not looking into how they choose who gets XXXX points for a missed payment and who gets XXXX points? It doesn't pay to have good credit evidently
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Midland Credit Management XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Cease and Desist Demand Account Number # XXXX Dear Midland Credit Management : This letter is to formally demand that Midland Credit Management immediately cease all collection activity against me regarding any alleged debt. I am requesting that you stop contacting me by phone, mail, email, or any other means of communication. 

I dispute the validity of this debt. I have no knowledge of any debt owed to THE XXXX XXXX XXXX XXXXXXXX or any other entity that you claim to represent. 
Your collection practices have constituted harassment. [ Specifically describe the harassing behavior, e.g., " Repeated phone calls at unreasonable hours, '' " Use of abusive language, '' " Threats of legal action that you have not taken. '' ] I formally request a copy of the Forward Flow Agreement & Chain of Assignment giving you legal rights to this alleged debt Upon receiving this letter, you are required to immediately cease all collection efforts against me. This includes, but is not limited to, phone calls, letters, emails, and reporting to credit bureaus. Failure to comply with this cease and desist demand may result in my pursuing legal action to protect my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

An affidavit form was submitted as a response to the initial letter response from them, and has been completed and returned as of XX/XX/2024. I have received no response. 

This account is still showing on my credit report, and there has been no validation that the account belongs to me.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent I've sent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN Card.
Product: Debt collection

I mailed dispute letters to each bureau on XX/XX/2020, XX/XX/2020, XX/XX/2020 asking for factual evidence this was my debt. It was validated each time with no proof. I mailed direct letters to Sequium Assett Solutions on XX/XX/2020 and XX/XX/2020 for validation of debt and date of first delinquency verification. Neither letter was answered?
Product: Credit reporting or other personal consumer reports

I recently reported a problem with Transunion. When I log in to verify a credit freeze is in place all I get is the following message : " Sorry, we're having trouble showing the status of your credit freeze right now ''. 

The company reported that the problem was my password was no longer valid. I followed their instructions and changed my password, but the problem still exists. All I get is the same message : " Sorry, we're having trouble showing the status of your credit freeze right now ''. 

If they're in the business of financial reporting maybe they ought to actually report financial matters!
Product: Debt collection

[ TransUnion Consumer Solutions ] [ XXXX XXXX XXXX XXXX, PA XXXX ] Subject : Dispute of Unauthorized Credit Inquiry Under the Fair Credit Reporting Act Dear [ TransUnion ], I am writing to dispute an unauthorized credit inquiry listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute and request a reinvestigation of any information on my credit report that I believe to be inaccurate or unauthorized. 
The specific inquiry I am disputing is as follows : Creditor Name : [ Empower Finance/FINWIS ] Date of Inquiry : [ XX/XX/XXXX ] Creditor Name : [ XXXX ] Date of Inquiry : ( XX/XX/XXXX ) Creditor Name : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : ( XXXX XXXX, XXXX ) Creditor Name : ( Texas Dealer Solutions ) XXXX of Inquiry : ( XX/XX/XXXX Creditor Name : ( XXXX ) Date of Inquiry : ( XX/XX/XXXX I did not authorize this inquiry, and it does not meet the permissible purpose requirements outlined in 15 U.S.C. 1681b. I am requesting that this inquiry be investigated, and if it can not be verified as legitimate, it must be promptly removed from my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a written response detailing the results of your investigation. This response should include the steps taken, the findings of your investigation, and any documentation used to verify the legitimacy of this inquiry. 
To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID to confirm my identity. 
A utility bill or bank statement to verify my current address. 
Legal Obligations : XXXX. 15 U.S.C. 1681i ( a ) ( 1 ) : Credit bureaus must conduct a reasonable reinvestigation of disputes and verify the accuracy of the information in question. 
XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If an item can not be verified, it must be promptly deleted from the credit report and not reinserted without proper certification. 
XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) : Credit bureaus are required to provide a detailed written response explaining the results of the investigation and any actions taken. 
As mandated by the FCRA, I expect this investigation to be completed within the XXXX timeframe established by XXXX U.S.C. XXXX ( a ) ( XXXX ). If the inquiry is found to be unauthorized, I request its immediate removal and written confirmation of the resolution. 
Should you require further information or have questions regarding my dispute, please contact me directly at [ XXXX ]. 
Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ]
Product: Debt collection

I FIRST was informed of this debt XX/XX/2022. I have NEVER received a bill from this electric company saying I owe them. I never received a letter or bill or phone call from ANYONE including the " second '' creditor not this last one TransWORLD XXXX. when I saw this on my credit report I attempted to contact ALL of them to resolve this because a credit report should not be the first time I hear of a debt from 3 years ago. The fact of the matter is I am a single mother with XXXX in college and I got denied a Direct Plus loan for my sons tuition all because of this bill I am unaware of. I have XXXX debt aside from student loans and I am careful about this. That home at XXXX XXXX XXXX has MANY people living in there and they must have used my information without my knowledge. I really ; y dont know but I am trying to get it deleted so my sons loan may get approved. After I spoke to Transworld about this issue it is causing my son, they agreed to delete it, but then pressured me to give them my credit card info then used language to create a barrier and trick me into paying for something that does not belong to me. My son will get kicked out of University of XXXX XXXX if I dont get this resolved and it has contributed to XXXX for both him and I. Nothing is more important than my credit and his school right now. Please understand this is so unfair.
Product: Mortgage

Bank of America which is my mortgage company had been reporting my account as 30 days late as of XXXX, 2015 even though I have been paying my mortgage on time. I spoke with their representatives 4 times in this week, and they ca n't figure out why my last payment of XXXX went to XXXX account. Because the bank sent me a letter last week and asking me to send that amount to complete the XX/XX/XXXX payment for this year.
Product: Debt collection

original creditor was XXXX contacted this company several times with no written response that i never received written notice of this debt or any signed contracts by me to validate this debt, the date this account was originally sent to collections and an itemized breakdown of the debt i dont even know what the debt is for or why they say i owe so much. 
this company has never sent proof of debt, a signed contract or notice they were seeking collections and why.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have been in an on going dispute with Citi Bank regarding {$410.00} since XX/XX/XXXX. I was given the money back 3 weeks ago and paid the bill that they never did with my Debit Card then last week without my consent they added the {$410.00} to my card again. I called yesterday and they admitted it was there mistake and would credit me back. I called today for a follow up and got the run around about looking in to it still and not sure how long its going to take by XXXX and XXXX who a customer account supervisors. I just want my money that is not owed returned to me so I can cancel this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been battling with XXXX XXXX XXXX since XX/XX/2016, pertaining to a Home Equity Line of Credit. This account was mishandled by XXXX XXXX XXXX, subsequently XXXX XXXX XXXX  agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however XXXX XXXX XXXX continued to report a past due balance on my credit reports and my wife 's credit reports for almost one year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however Experian and XXXX have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. XXXX XXXX XXXX 's callous disregard for providing accurate information to Experian and XXXX is truly egregious and Experian and XXXX 's unwillingness to correct and/or remove the false information from our credit reports has been extremely frustrating.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2024 I purchased a Cashiers Check for {$1600.00} The cashiers check was lost in the mail and please need help to get these funds back as soon as possible as its for my mortgage company and Im already late due to this being lost Serial # XXXX Account # XXXX Operator ID # XXXX Im please begging for all the help I can get, Im so scared as this is my first time using cashiers check and have no idea, please and thank you