23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is not my debt, and I have not received a letter from this company verifying the information below. Please upload evidence of receipt, or resend via mail or email the requested information below. I will advise that if this isn't removed from XXXX and XXXX  before XXXX XXXX, I will be forced to file suit. Shall you not remove this erroneous item not verified per the FDCPA, I will be forced to seek damages of {$1000.00} per FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and any additional damages for any violations I find, as well as attorneys fees and court costs. 

This complaint is being sent to you in response to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Provide me with your license numbers and Registered Agent or Agent of Service : Provide proof that you are licensed to collect in my state Thank you, I appreciate your assistance as I verify and validate this medical debt that isn't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still unauthorized inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I called Bank of America credit card Dispute and told them that XXXX have n't received a payment in the amount of XXXX and I told them I want open up a Dispute and they refused and told me once it cancelled I ca n't reopen it I received a call from XXXX rep today on XXXX XXXX2017 and they told me they have n't received XXXX from Bank of America and my service will be interrupted soon for non-payment so once again I called Bank of America again and ask to speak to supervisor and she was rude and told me they released the funds back to XXXX and until this day XXXX have n't got the money yet ... ...
Product: Credit card or prepaid card

The credit card company charged me an annual fee and I was not alerted to it and it caused my account to go 30 days late. The card had a XXXX balance on it and I had not been using it. They charged a late fee, and interest charges for a {$19.00} annual fee. The fees have been removed but my credit score dropped XXXX points because they still are showing me as 30 days late. I never even used the card and Im asking for them to please remove the delinquent marking in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 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: Credit reporting or other personal consumer reports

I am writing to formally address an issue I encountered regarding the handling of my credit report dispute.I filed a dispute with Experian concerning items on my credit report and I expected a timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. 

Unfortunately, I did not receive clear or sufficient information explaining why my dispute was not processed successfully or the rationale behind your decision. Furthermore, I was not informed that the disputed information would be reinserted into my credit report, as required by law. Under the FCRA, any reinserted information should be accompanied by proper notification and supporting documentation, which I did not receive. This lack of transparency has resulted in confusion and concerns regarding the accuracy of the information on my credit report.

I respectfully request that you provide me with the following : 1. A detailed explanation as to why my dispute was not resolved, including any relevant investigation findings.

2. The reason for the reinsertion of the disputed information, including a copy of any supporting documentation or records used in making this decision.

3. A confirmation that my rights under the FCRA and other relevant consumer protection laws have been fully adhered to in this process.

Please address these concerns promptly, as I expect a thorough and transparent response. I would appreciate a resolution to this matter as soon as possible to ensure that my credit report accurately reflects my financial standing. 

Thank you for your attention to this issue. I look forward to your prompt reply. 

Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting

Equifax has received written notice, including signed Bank Notarized Affidavits to Never add a Fraud Alert, however, Equifax keeps adding Fraud alerts intentionally stating I requested a fraud alert which is a Blatant lie. Equifax blatantly Break the XXXX daily without Any repercussions from the Federal government! Requested on XX/XX/XXXX, and now XX/XX/2017 a security freeze waiving the {$XXXX} fee by submitting a police report and they are giving me the Run around that they have n't recieved the documentation. XXXX and XXXX received the same documentation and added a freeze immediately. I want the CFPB to keep this case open until this matter is stated resolved. Equifax keeps stating they automatically add XXXX alerts even though they have the attached letter requesting to Never add any Fraud alerts to my account without my consent otherwise they are violating the federal law. Additionally they need to sent a complete copy of my credit report by mail. To make sure my information is correct.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX posted XXXX $ for collection on XXXX and XXXX. Dispute is in progress with XXXX  but at XXXX, I cant even verify its me. It says i have autoloans i opened, mortgages and student loans. I answered truthfully with none of above and they say the information is incorrect! Theres hard inquiries on XXXX as XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Please re investigate the inaccurate reporting errors on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

There is wrong information in my report : &gt; My present address :    XXXX   XXXX   XXXX     XXXX , MI.  XXXX  : please update &gt;   XXXX   XXXX   XXXX   XXXX   XXXX   : I have paid off this account, please update balance
Product: Credit reporting or other personal consumer reports

I recently noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had used my Copyrighted material without authorization. I notified each respective bureau Experian, XXXX and XXXX that the attached items where a violation of my copyrighted material and I sent each alleged creditor a cease and desist again to see if they will take care of this matter without involving legal action. I have called the bureau many times and wrote many letters to no remedy. My next course of action is litigation at this point. I have attached a copy of the letter and the Copyright with proof of mailing.
Product: Checking or savings account

I recently received a phone call from a representative at wells fargo escalation department from a very rude and unhelpful person by the name of XXXX XXXX. I was frustrated and upset. I also have a sever XXXX  that limits my interaction with people. She had no patience and was very condescending towards me. She advised me that my complaint was not valid and would not be handled. It would be responded to and closed. No investigation. No nothing. Apparently she doesn't have a care in the world for the bank she works for or the government wich oversees it. Nice to know that these institutions can do what ever they want with no regards to the very people that keep it stuffed full of money.
Product: Debt collection

P & B Capital Group LLC, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, Phone : XXXX Fax : XXXX, XXXX is repeatedly calling me and leaving voicemails about a debt I have no knowledge of and have disputed and requested proof for my email and letter. P & B Capital Group LLC progressed to calling my " references '' ( family members ) to get information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. 
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 Date opened XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$580.00} XXXX XXXX Date opened XX/XX/XXXX Balance : - XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : - XXXX XXXX  Date opened XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/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  Opened : XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$3200.00} XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : 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 Inquiry : XXXX XXXX, XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX.
Product: Credit reporting

I sent a letter to Experian dated XXXX/XXXX/15 to dispute some inaccurate items on my credit report. I then received a response from them dated XXXX/XXXX/15 stating that my letter was suspicious and not sent by me. I 'm not sure how they determined this when I even attached my driver 's license and utility bill to confirm my identity. I even called them on XXXX/XXXX/15 regarding the suspicious letter and the representative gave me a hard time and refused to do anything with my dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. So years ago I opened a BJs card through comenity Bank I beleive. Just now I checked my score to see it lowered with a delinquent account listed as BJs. I don't even have the card any longer but DID call to resolve the issue ASAP and entered my social. My account information was retrived through automated process. I was read that I've a balance of XXXX and my last recorded payment is XXXX of last year. I also requested a " XXXX balance letter '' whatever that is. It said it'd mail it to my known address- but it didn't say what that is or offer for me to enter or confirm it. Soo I combed through my emails from XXXX and Comenity. The ONLY stuff I can find is spam and anything applicable to overdue payment, an account balance, ect- is absolutely nonexistent. I want this account closed and this removed as soon as possible please. Also when I follow the link through the generated email my phone alerts me that the site is NOT Safe. I don't trust this company nor thier credit reporting. I've gone out of my way ( just noticed this XXXX hour ago ) and every piece of information I can find tells me I've XXXX balance and I've absolutely no email correspondence or mail correspondence regarding the account. I'm pretty XXXX!
Product: Checking or savings account

Received an email that they were unable to open account i have not tried to open an account with any bank but received an email from bank of america
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX, XXXX, Experian XX/XX/2024 This letter is a formal complaint that you are reporting to my consumer report Fraudulently. 

According to the TRUTH IN LENDING ACT ( TILA ) 15 U. S. Code 1637 ( b ) ( 2 ) ( a ), It is a fact, I the consumer is aware, in there has been statements which have not matched my records and statements which have not been in accordance with the disclosure from the companies listed below that I received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence, Until U. S. CODE 1666 ( b ) ( 2 ). I the consumer is aware documentary evidence pursuant to 15 U. S. Code 44 includes all documents, papers, correspondence, book of account, financial and corporate records which involves all derives, assignees, hypothecations in connection with my all caps name. I demand to see verifiable proof of who you spoke to, date, conversation and written letter from the company you spoke to. I require this clarification in order to address the billing error for these accounts listed below.
Product: Mortgage

RENOVATE AMERICA ( NOW ON YOUR DATABASE AND FILES ) HAS SENT WRITTEN REPLIES IN THIS SITE AND BY LETTERS TO US, BUT HAVE NOT ADDRESSED THE MAIN FOCUS OF OUR COMPLAINTS WHICH ARE THE HIDDEN FEES OR CHARGES THAT WE CONSIDER EXPLOITATION AND ELDERLY ABUSE, FRAUD IN DISGUISE TO CHEAT CUSTOMERS. 
THESE HIDDEN CHARGES ARE AS FOLLOWS : 1 ) DAILY INTEREST CHARGES, 2 ) BONDING FEES BY XXXX XXXX XXXX XXXX  FROM XXXX, CA, 3 ) DOCUMENTATION FEES OF {$50.00}. 
JUST TO OBTAIN OUR CURRENT BALANCES .NO REFUNDS BY DRAFTS AND OR CHECKS AS THEY PROMISED ARRIVED TO DATE OF THIS WRITING. THEIR ESCALATING CHARGES PUTS US IN A NEVER ENDING VICIOUS CYCLE OF ILLEGAL DEBT AND FINANCIAL STRESS AND UNENDING MENTAL PAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

According 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

So for this account with XXXX XXXX XXXX XXXX XXXX Account number # XXXX they have broken this federal law for XXXX and XXXX payment. They have treated late payments on all my credit profiles XXXX, XXXX, Equifax which is illegal under an open end consumer transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

It angers me seeing that the Credit reporting Agencies have been ignoring my requests for the removal of the fraudulent accounts and information completely from my Credit File despite the multiple dispute letters and CFPB Complaints that I have been submitting to the Credit Bureaus. The Credit Bureaus ' willful non-compliance with the Fair Credit reporting act section 605b, is a clear violation of a consumer 's rights! I took the advise from my legal counsel and we are now ready to file a lawsuit against the Credit Reporting Agencies. I am submitting this CFPB Complaint to the Credit reporting Agencies as a final warning that in the event the Credit Bureaus do not comply with the requests and fail to remove the disputed accounts and information from my Credit Report. We will be filing the lawsuit that we have been preparing. Under the provisions of the Fair Credit Reporting act section 605b, I am expecting that the Credit Bureaus remove the following fraudulent accounts and information completely from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}
Product: Debt collection

debt to XXXX XXXX XXXX XXXX was denied by XXXX XXXX IN XXXX. account was turned over to collections illegally. XXXX called and talked to them and was told they would remove the collections from my credit account. They have still not removed the collections and won't take my calls. they are ignoring me and this is hurting my credit which I need to use to renew my mortgage. I believe they will just leave this on my credit account indefinitely in retalliation for non payment.
Product: Credit card

I contacted the mejer citibank credit card customer service at their phone number on the back of my meijer credit card. I explained that I would like to have information about the card, as I did not apply for the credit card before receiving it in the mail. Over a series of three phone calls, I asked several times three questions to each representative colon purchase history comma information used to apply for the credit card comma information on how to close the credit card. Each time the call was terminated, and I did not receive any assistance with these matters.
Product: Credit card or prepaid card

Chase credit card balance transfer : I have been a Chase credit card customer since 2014, and have a history with the Bank of paying the balance in full each month. On XX/XX/XXXX, I initiated a balance transfer for {$410.00} and was changed a balance transfer fee of {$16.00} in order not to be changed interest for the next twelve months on the balance transferred. The first payment was made without an issue. 

Then on XXXX XXXX, I made a purchase of {$23.00}. That month the mobile app was not clear how much to pay in order to avoid interest charges on the purchase, so I made the minimum payment. On XXXX XXXX, I was changed interest@ 24.99 % - more than twice the amount charged on the card that I originally transferred from- on the unpaid balance of the purchase. I complained and Chase reversed the charge. Then next month I paid more than the minimum balance, thinking I was paying for the purchase. 

On XXXX XXXX, I was charged interest, again. Once again I called Chase to complain. This time the representative told me she would reverse the interest charge, and if I pay {$58.00} that will cover my minimum payment on the installment and the purchase amount so that I will no longer be charged interest. I made that payment on XXXX XXXX. 

On XXXX XXXX, I was once again charged interest. I call Chase on XXXX XXXX to request the charge be reversed. The representative told me the system would not allow her to reverse the charge. I requested a manager. The manager told me that other customers find it confusing regarding the amount to pay to avoid incurring interest charges on new purchases. Finally, she reversed the charge and told me I will not incur any more interest charges as long as I do not use the card for new purchases and continue to make minimum payments on time. 

This is resolved for now. I am complaining because the manager stated Chase is aware of the confusing billing but instead of enhancing the billing statement to make it clear the balance that needs to be paid to avoid interest charges on new purchases during the promotional period, the Bank continues to create misleading billing statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She was notified by CBNA/Best Buy of a fraudulent application submitted with her information without her consent in the name of XXXX XXXX. An official dispute of this application was mailed certified with return receipt to CBNA/Best Buy, XX/XX/2018. As of this date CBNA/Best Buy has failed to remove the information and have not provided any information concerning the investigation into this matter, this inaction is a violation of FCRA.