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

On XX/XX/2021 I received an email about a new inquiry on my credit report from a company called Acima. About a month prior to that, I also had inquiries from XXXX and XXXX. I had not open new accounts with any of these companies. XXXX and XXXX were able to cancel the fraudulent accounts immediately and correct my credit. Acima has been able to cancel my account and report this as fraud to fix my credit. I have filed a police report and am now filing this in hope of getting Acima to close the account. The balance on the account appears to be {$4400.00}. When I initially found out about the account, I spoke to an Acima employee on the phone and was told it was obvious it was fraud due to i fake email address and bad address. Acima has been able to cancel the fraudulent account as of now.
Product: Checking or savings account

Dear Sirs, First I do not know whether CFPB is the correct agency in the regard of the matter so I thank you in advance.

Im not an american citizen. Ive been in US for three months in XXXX in XXXX I opened a checking account in XXXX XXXX. I left there some money ( I do not remember how much, maybe XXXX $ XXXX ). Later, it has been acquired by JP Morgan Chase. 
However I received some years ago a communication that this account has been frozen after XXXX regulations and I would be supposed to fill some forms to ask the money back what I never did. 
So, I kindly ask you 1 ) If there is a procedure to get more information about ; 2 ) if there is a procedure to do it ; 3 ) who I should contact to get more information. If you need I can provide you the account number and SS number. 
Best, XXXX XXXX XXXX ( XXXXXXXXXXXX )
Product: Credit card

On XX/XX/2023 I went to the XXXX XXXX in XXXX TN XXXX XXXX XXXX XXXX XXXX and had a tooth pulled. I signed up for " CARECREDIT '' - and my balance of XXXX was paid by them. After reading the terms that I had 5 days to pay the bill and rescend the offer of credit I did- I went to XXXX XXXX on XX/XX/XXXX and paid the XXXX in full. I can show my bank statement. 

However, XXXX XXXX did not refund CARECREDIT till XX/XX/XXXX which is more then 30 days after my account was opened and closed XX/XX/XXXX - and CARECREDIT charged me a XXXX dollar fee. 

Carecredit refuses to fix this- and XXXX XXXX refuses to fix this. XXXX XXXX was late/slow refunding the money to CARECREDIT so they charged me a fee. My purchase balance with CARECREDIT is now XXXX but because XXXX XXXX was late refunding them I was charged a XXXX dollar fee which is now ballooned to XXXX dollars. 

MY carecredit account is XXXX XXXX XXXX XXXX I want this issue resolved and account closed. It is XXXX and CARE CREDITS fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company NATIONAL CREDIT AUDIT ( Original Creditor : XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit card or prepaid card

Credit card company approved me for a limit of XXXX and without reason lowered my limit which has impacted my credit score.
Product: Checking or savings account

I was having issues with Capital One bank direct deposit. On XX/XX/year> I was supposed to receive my paycheck via direct deposit which I did not receive until a few days later. I was told the issue was fixed and there would be no more problems. I ended up having another problem. On XX/XX/year> I was supposed to receive my next paycheck via direct deposit into the same account. I did not and still have not gotten it. I talked to my employer, XXXX, and they assured me they had sent my paycheck to Capital One to be direct deposited. I then called Capital One where the representative told me they did not know where my paycheck was and there was nothing they could do. This is a big issue as I have bills to pay, rent to pay, and animals to feed.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX, CA, XXXX ] [ XXXX ] [ XXXX - XXXX - XXXX ] Date : [ XX/XX/year> ] Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report [ XXXX XXXX ] Dear Experian Dispute Resolution Team, I hope this letter finds you well. I am writing to formally dispute several inaccuracies on my credit report as I continue to experience errors in reporting from your bureau, despite previous attempts to resolve these matters. These discrepancies have caused significant harm to my credit standing, which is contrary to both legal and regulatory standards set forth under the Fair Credit Reporting Act ( FCRA ). 

I have reviewed my Experian credit report and identified the following information that is inaccurate or outdated : [ List the inaccurate or outdated information include account names, numbers, and the incorrect information reported. ] As per the guidelines and procedures required under the FCRA, you are obligated to ensure that the information you report is accurate and up-to-date. The Consumer Financial Protection Bureau ( CFPB ) has previously filed actions against Experian for similar failures to maintain accurate and timely dispute resolutions. Despite these legal concerns, my disputes have not been satisfactorily addressed, and inaccurate information remains on my credit report. This is a direct violation of the FCRA and my consumer rights. 

In light of these ongoing inaccuracies and poor dispute handling, I am requesting : A full investigation into the disputed information and corrections to any inaccurate data on my report. 
A written confirmation that these corrections have been made, as well as the revised version of my credit report. 
A prompt response in accordance with the FCRA, which mandates that you respond within 30 days of receiving my dispute. 
Please note that if these discrepancies are not resolved within the required time frame, I will have no choice but to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies, as well as seeking legal remedies. 

I have enclosed copies of my identification and any supporting documents relevant to this dispute. If you require further information or documentation, please do not hesitate to contact me at [ phone number ] or via email at [ email address ]. 

Thank you for your immediate attention to this matter. I expect a timely resolution to this dispute. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

I was called on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I've already explained to them XXXX paid for the collision and gave them the account number.
Product: Debt collection

I have previously disputed debt on multiple occasions and requested information regarding the validation of this debt.which I never received only a statement with payment options.
Product: Debt collection

The debt in question is based fraudulent charges on a department store charge card in XX/XX/XXXX, a card we never used. We had just returned from living XXXX for XXXX years. I thought this account was closed. It is unclear how our account information was stolen, but it was. When we saw the charges on our bill, we claimed they were fraudulent and we denied the charges. XXXX XXXX agreed at the time soon thereafter. My credit report in XX/XX/XXXX listed the debt as " uncollectible due to fraud ''. In XX/XX/XXXX. Portfolio Recovery Associates, Inc. began to call me and this has continued to the present day. Every time they call I tell them clearly : 1 ) The charges are fraudulent ; 2 ) The department store agreed they were fraudulent ; 3 ) I will not ever make a payment 4 ) Do not ever call me again. My number is on the national do not call list. In the past few months I am now receiving XXXX or XXXX calls per day from people identifying themselves as from Portfolio Associates, but all with different phone numbers so it is impossible to block. This has moved well beyond annoying and is now harassment.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Debt Validation Dear Spring Oaks Capital LLC, I am writing in response to your communication regarding the alleged debt you claim I owe. Please be advised that I am requesting validation of this debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : The amount of the alleged debt ; The name of the creditor to whom the debt is owed ; A copy of any agreement or contract that authorizes you to collect on the debt, including the original creditor 's name and address ; A complete and itemized breakdown of the debt, including interest, fees, and charges ; A statement indicating whether this debt has been assigned to you for collection, or if you are acting as an intermediary for a third party ; Any judgment or court order ( if applicable ) related to this debt. 
In addition, please cease any collection activities until this debt has been validated. I request that all future communications regarding this matter be sent to me in writing. 

If you are unable to provide proper validation, please acknowledge that you will stop all collection efforts, remove any related entries from my credit report, and cease reporting the debt to credit bureaus. 

Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information. If this debt is found to be invalid, I expect it to be removed from my credit record immediately. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within 30 days, as stipulated by the FDCPA. 

Sincerely, [ Your Name ]
Product: Debt collection

Care Credit XXXX bank I paid the full amount never missed a payment my total was {$400.00} they decided that they will charge full amount on the entire amount of XXXX balance. It doubled my amount owed to XXXX dollars ....
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax data breach the company offered protective services via TrusdtedID. I 've contacted both companies to have the Equifax-sponsored services by TrustedID stopped, to no avail. Please have them remove my information from their files and disenroll me from all of TrustedID services.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX ACCOUNT # XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

15 USC1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; It also a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

This is my 2nd complaint because they have not resolved my issue and i keep gettin a run around every time i contact the bank. They will not put a supervisor on the phone to me nor will they leave a message for one to contact me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX my savings account was closed due to not having a signature card on file. I received a signature card around XX/XX/XXXX from the bank and signed it and returned it per the banks request. The bank closed my account because they said they did not receive the signature card. 

I did not know my account got closed until I received my statement stating the account got closed in XX/XX/XXXX. I contacted the bank and asked where my money was and was told they issued me a check on XX/XX/XXXX the same day my account got closed. To date ( XX/XX/XXXX ) I still have not received my funds. I have contacted the bank XXXX times since XX/XX/XXXX and have been told a Affidavit of Lost Check was mailed to me on XX/XX/XXXX. I still have not received the Affidavit of Lost Check. I contacted the bank on XX/XX/XXXX XXXX and was told a Affadavit if Lost Check was mailed to me on XX/XX/XXXX which I have not received. I have called the bank numerous times and get nothing but a run around. I have asked the bank if they could transfer my funds into my outside credit union checking account. They said they can not do this because my account is closed and they are waiting for me to sign and return the Affadavit of Lost Check they sent me. I informed the bank I have not received the Affadavit and asked them if they could over night me a Affadavit of Lost Check and was told they do not do this. I have asked them to come up with a solution other than me continuing to wait for this Affadavit of Lost Check and they said they have to wait for this Affadavit that I have not gotten. 

It's been XXXX XXXX months since my account was closed and I still have not received my money. I have spoken to a number of super isors to no avail. They have not come up with another solution to my problem and I am extremely upset. The bank has almost {$7000.00} of my money that I have no access to. I've called XXXX times to try and resolve this situation and have gotten no where. I've asked the bank of they could transfer my funds into my credit union and I've been told since my account is closed I have to wait for this Affadavit of Lost Check. I have come up with a solution to fix this matter and they have refused to give me my money. I'm told to wait for the Affadavit that is not coming. I asked to speak to a supervisor and all I get is an argument and the worst customer service I have ever seen in my XXXX  years of living!! I want my money back Now!!! Please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act the XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information.
Product: Credit card or prepaid card

I informed Capital One that after all these years of paying my credit card bill in cash I realized that the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to the XXXX law dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode of the purpose, that they may be separated from the bonds and other instruments to which they are usually attached According to USC 1693o-1 Remittance transfer, the purpose of this law is to accept this remittance slip as payment for this bill. According to 12 CFR 1026a Billing Error Resolution, by law, creditors can not pursue adverse action against me ( by shutting off and or closing the credit card account ) 15 US Code 1666 correction billing errors. Failure to comply by not accepting this payment will result in further legal action. 
The United States Code Law 15 U.S. Code 1666b/ Timing of 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. It is illegal to report a late payment on an open-ended consumer report and the payment must be reported as a positive payment.
Product: Credit reporting or other personal consumer reports

Experian is reporting several accounts that show either " closed, charge- off, written-off and or profit- loss. I have not received a 1099c from ANY these companies, preventing me from writing it off as income for years. They have had several years to send these 1099c to me. I am requesting a copy of the 1099c 's. I have tried to get it from them and they have not responded.

The credit report shows they have written these taxes/accounts off as profit-lost etc. They have gotten their tax break.This is not accurate reporting ( dates included ), fraud. The account s should not be reporting and its been years on my report. I have the right to contact the IRS. I can sue them for statutory damages, as well.. 

The following companies are still reporting : dates, reporting status, amounts etc maybe inaccurate as well XXXX XXXX XXXX XXXX  Account number XXXX Date opened XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX This account status changed from closed. I reached out to company to dispute debt on report still and they changed it back to active. 
Account number XXXX SEE attachment of change I attached previous credit reports showing how they changed the status of some of these accounts as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have faxed and sent by mail a FTC report, copy of drivers license, social security card and letter with my name address and phone number to Equifax on XX/XX/2023 and again on XX/XX/2023. I have two fraud account with XXXX XXXX and they needed to be removed off my report. I am closing on a house and this is causing problems. 
I have called over 35 times to the call centers that are out sourced to a XXXX XXXX and the people hang up, transfer or start a dispute on the account when they were told numerous times in the call to not start a dispute. The always have a different answer but no one can seem to see the FTC report because we are told the back office has it and are reviewing it. This has been over 18 days and still we have not had the fraud removed and by law they have 5 days.

With sensitive information and a tool that runs our financial decisions why is this overseas. We need them to remove and follow the laws and rules and cant seem to get anyone to listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the letter I submitted to Citi Bank. 





XX/XX/XXXX Citigroup XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX  XXXX, New York XXXX Dear XXXX XXXX : It saddens me to find that its impossible to correspond with Citi Bank by e-mail. 

I would like to address MY recent experience. 

When XXXX dropped XXXX XXXX, I opted for their Costco Citi card. My credit limit was set at {$2000.00}. Although low, I didnt feel at the time that I would need any higher amount. 

According to XXXX, my credit score of XXXX ( with Citi ) is considered exceptional. 

So, when my refrigerator suddenly died, I found one at Costco that would have met my needs. For that reason, I called to request an increase in my credit line. I WAS DENIED. When I pursued it further, Citi told me it was because I had some negative information in my file. 

Background : When I lost my job in XXXX, and experienced some significant medical bills, I was forced into bankruptcy. I have paid the price for 10 years. Before that happened I had a GREAT credit score / history ; in the top 10 % of consumers. 

Delving into this further, I joined XXXX and filed a dispute. As you can see from the enclosed info, it states that I currently have no negative information in my credit file. 

That being said, WHY does Citi insist that I have negative activity in my file? 

This experience had me curious how others experiences compared to mine ; so, I pulled up Citis on-line reviews. 

WOW, what an eye opener. Makes me wish that Costco had stayed with XXXX XXXX. 

The Citi group must be concerned about hearing from their customers with legitimate concerns by e-mail, - and thats the reason for making it impossible to communicate by this means. Sadly, your phone reps are not of any help. 

Furthermore, the link that Citi sent that stated action required, did not work. I called the number provided IN THAT NOTE. The representative didnt know WHY I was calling that number!! Perhaps more training would be appropriate? 

I was told that she could connect me with another department, BUT, it probably wouldnt do any good. Also, I could call back every week IF I wanted to. Ill pass. I couldnt tell if she was being condescending or polite. 

All in all, you said in your interview with XXXX that We want to be a winner. 

Perhaps Citi could start with respecting their existing customer base and use up-to-date criteria from the credit reporting agencies when answering their customers request. 

I would still like to know WHY Citi chooses to NOT USE the appropriate data to address my request. Because, if I can pull up this info on-line, WHY CANT YOUR DECISION MAKERS? 

As suggested, I removed my name. 
______________________________________________________________ After hearing back from a " Citi Bank team member '', I was told they do use information on file even though it is past the 10 year mark! ( Nothing changed in my case. ) So please help me understand WHY consumers are told that this negative info is removed from our records after this ten-year period, when obviously it is not?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted copies of Lien Release on my 2nd mortgage via. usps mail, fax and website uploads. There is no justification for such a low credit score at this time. Transunion continues to re-open or open another dispute before they solve the original dispute. Each time they open a new dispute, they take several weeks to review, then automatically disprove the request, even though I have provided the lien release via. usps mail, fax and uploads. 
I am aware that short sales may stay on your credit from 7 to 10 years. However, I have learned that the impact of short sale on your credit should be much less after 4 years. Since I received a lien release on my 2nd mortgage inXX/XX/XXXX, that released any connection to my first mortgage. 
Regardless of when I sold my home, there is no connection between the 1st and 2nd mortgage after I received the lien release on my 2nd mortgage. XXXX XXXX XXXX should not drag my credit down to less than XXXX. In addition, XXXX XXXX XXXX account was closed in XX/XX/XXXX and should not be reported 30 days late since the account is closed with no derogatory late payments. 
I have submitted formal complaints to XXXX XXXX XXXX and XXXX XXXX servicing. They confirmed the issue with incorrect credit reporting is with TransUnion and XXXX. My credit score should be well above the XXXX mark at this time.