23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On my XXXX credit report, Southwest Credit is representing XXXX for XXXX derogatory amounts on my credit report, XXXX for {$94.00} and the other for over {$500.00}. This debt collector is not on my XXXX credit report. These XXXX derogatory remarks dating back to 2012 are keeping my credit score from going up on the XXXX credit report. I 'm in the process of negotiating a loan for a new car and to be a well-qualified buyer for the best interest rate I need my XXXX credit report to be over XXXX because the finance companies use XXXX Car Loan credit score for approval.I 've worked diligently and in good faith settling my debts and my XXXX credit report is showing my credit score to be XXXX, however the XXXX credit report is still in the fair category at XXXX. I believe I do not owe Southwest Credit for any collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have few accounts on my credit report that is not belongs to me. Im XXXX person getting assistance from the state I dispute those accounts and the credit report cant remove it. Account are been placed different times or have been in my credit for more than 8 years
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent letters to the credit bureaus regarding the inaccurate information that was reported on my account. The letter was requested to validate the XXXX XXXX XXXX XXXX collection account reported on my credit profile. I have asked the Equifax, to verify the validity of this account. I am still waiting to receive competent evidence that I have any legal obligation by either bureau. I have provided the verification letters I sent to the collection agency that claims I owe this debt and certified mail receipts that have not been responded too. The account is hurting my consumer report. The credit bureaus refuse to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. I request that Equifax immediately remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT ACCEPTANCE CORP Balance details Paid off - Balance - Balance updated - Original balance {$23000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/ Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 
Status updated XX/XX/ Original balance {$23000.00} Monthly payment - Last payment date XX/XX/ Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, MI XXXX Phone number By mail only THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit card or prepaid card

Hello, On XXXX XXXX I made an online purchase at XXXX in the amount of {$450.00}. After a week or so I had not received anything and checked the website. The website had disappeared from the internet. I immediately called my Best Buy Visa to report suspected fraud. They cancelled the card indicated I was not liable for the amount and took the {$450.00} charge off my balance. Later after two letters from Best Buy Visa they indicated that the investigation indicated there was no fraud and recharged my account the {$450.00}. I have the confirmation of the order that XXXX sent me but nothing ever arrived and it would appear the site was a fake site. I am angered as I did everything I was supposed to do in this situation. Thanks for your help.
Product: Student loan

I attended XXXX College, a XXXX College in 2012 and was set up with a private loan through Genesis Lending. As well as a Federal Loan. I received no state help and left responsible for a large balance, attending a school that treated their students with no respect. They were welcoming and polite when recruiting you to attend their school but once they stuck you with a large debt and received their money, the politeness was out the door. There were so many promises and guarantee 's made with no follow through. I struggled to make the payments while I was in school, this was something I was not informed of until I started receiving bills and told if I did not pay or made a late payment I would be pulled from class and not allowed back until my account was up to date. Any time you showed up a few minutes late, miss a day due to a funeral or when I missed a few days due to an illness in which I provided a doctors note XXXX, I was threatened to be kicked out and the administration always brought it back to how much money is being provided to us for being there. I finished with straight A 's and a huge debt I struggle to pay but make sure I never default so my credit stays in tact. Dealing with the lender has been a nightmare. I am set up for auto pay to avoid dealing with the lender. Often they do not pull on the scheduled date which turns into many calls in XXXX day harassing me to pay my bill. It 's not my fault they 're system is messed up and I do not appreciate the calls. Multiple times they charged my account XXXX, they point the finger and claim to not be able to reverse my payment. My interest rate is ridiculous. I was told the lowest they ever give anyone is 12 % no matter what your credit score is. I 've contacted the school many times to receive paperwork they 'd promised to provide and after many attempts, they have yet to deliver my request. I recently received a letter that Genesis is transferring my loan over to XXXX. I would never recommend anyone to XXXX Colleges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX XXXX Date opened XX/XX/2019 Balance : {$0.00}.
Product: Credit card

I received a phone call last night from someone claiming they were working with my bank. Said they were calling to offer an interest rate reduction promotion because of my standing with the bank and how we pay our balance off monthly, which is true. They said they are the ones who send out the statements for my bank, had my name, other information, and it seemed like they really WERE with the bank. They asked me to verify my card number, which i was skeptical about doing, but said they had all of my statement information and would verify that. Said there were not a third party. I normally would not do this, but because lowering our interest rate helps our credit, I verified my card number. In turn, they did tell me all of my balance information. At this point my daughter grabbed my phone and we got disconnected. They called me right back and we picked right back up. They then told me they were going to transfer me to their manager to see what rate they could offer me, transferred me to another gentleman, said his name was XXXX XXXX, and he told me because of our standing with the bank they could offer us 0 % for a lifetime but we had to pay a fee of {$1500.00}. I told him I could not agree to this at this time because my husband was not home, and I would call him back. He gave me a number to call back. After getting off the phone, I just felt very unsettled about the phone call. I called him right back and told him I was not interested in this. He asked me if I was NOT interested then why did I verify my card number. I told them I thought I was working with my bank to lower my interest rate, not get rid of it, and it did not make sense for us to do this. The guy got very hateful and hung up the phone. I then called my bank, and canceled my credit card to get a new number. Once my husband got home and we talked about this, we realized it was definitely a scam and someone was phishing for my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries listed in this affidavit are in accurate. I did not inquire with these companies. Please remove these INQUIRES immediately as they are causing me harm as a consumer. Due to only being able to list XXXX here are the others. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft and need these removed.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 any items 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 ( learned through more research both parties require ). Please 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 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 card or prepaid card

I placed an order at Kohls.com, the order got cancelled and when i called to find out why they said there was a fraud alert ( I had never had this before, nor did they call or email me about this ). They said they phone number on my account couldn't receive texts and would not allow me to use a different number as they claimed they could not verify the number. They would not explain why they couldn't verify it and just locked my account saying i need to go to a store with 2 forms of ID. I do not have time to do that, and i have 2 cell phones with 4 available numbers as well as an email on the account that they can use.

I have had fraud alerts with other banks and a simple phone call or click of an email link will correct it. i have never had to go to a bank. This is unacceptable.

I spoke with XXXX, employee number XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Product: Debt collection

Subject : Illegal Credit Report Inquiry by [ USAA XXXX ] FCRA XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ USAA XXXX ] for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On [ starting XXXX every single month till the last pull on XXXX ], USAA XXXX ] performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with [ USAA XXXX ] that would justify this inquiry. This unauthorized credit pull has negatively affected my credit score and caused undue stress. As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. Please investigate this violation of my consumer rights and take action against [ USAA XXXX ] to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. Thank you for your attention to this matter, and I look forward to your timely response. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX XXXXXXXX XXXX XXXXXXXX {$1900.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15usc 1666b 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, credit repair services, or other personal consumer reports

The credit bureau allowed unverified and inaccurate information to be placed on my credit report after being notified on ( XXXX ) occasions of the inaccuracies. The credit bureau knowingly allowed creditors to report inaccurate information while being formally informed of the wrongful actions. After many attempts to rectify and work directly with the credit bureau to address the intentional acts to defame my financial character to potential business partners of whom use credit as a decision making factor in their offer determinations. I have been affected economically and mentally as a direct result of the inaccurate reporting of this credit bureau. The false reporting of this credit bureau during a pandemic prevented my qualification for assistance programs to provide relief during a severe hardship on the entire country.
Product: Bank account or service

Dear Consumer Finance, Please note that I have also submitted this complaint to the Federal Reserve complaint line. XX/XX/XXXX, I walked into a Citibank branch in XXXX to close all my accounts ( savings, checking, and Checking Plus ). I settled all my charges and at no time did the teller inform me that with Checking Plus, no automated transactions should go through within the 48 hours. XX/XX/XXXX, I received correspondence from Citibank stating that I had charges through automated debits from XXXX. I was quite surprised since I was not informed of the rules, however, I paid for the amount owed ( $ XXXX+ ) and ask them again to close my account. Citibank 's customer service told me that it would take 48 hours once again and that no charges should go through. I agreed. By XX/XX/XXXX, I received another correspondence saying that I owe $ XXXX+ through XXXX and once again I settled, but, I ask them Citibank from the time I settled XX/XX/XXXX and to XX/XX/XXXX ( more than 48 hours ) there were no charges that went through so my account should have been closed. They promised me at that time, that all is settled and the account would be closed. Now this XXXX Citibank contacted me again to say that I have charges. Needless to say, I am quite upset! I am certain that the money I paid went towards bank charges for which I am NOT responsible for since the account should have been closed properly XX/XX/XXXX, again XX/XX/XXXX, then XX/XX/XXXX. I feel that I have been defrauded or the inability to close an account properly lies with the incompetence of Citibank. The collection manager I spoke to XX/XX/XXXX and again XX/XX/XXXX, accused me of 1 ) not really wanting to close the account ; 2 ) that he has no record of it. I was in tears over this and am still upset. Everytime, Citibank contacted me, I duly called them and settled my charges and ask them if the account is closed. They also went against their own rule by not closing the account during the period of XX/XX/XXXX - XX/XX/XXXX ( more than 48 hours and no charges went through ). This should have been a simple matter of closing one 's account. The misinformation, misdirection, and mishandling of closing a Checking Plus account is outrageous. Once again, I will not pay for any bank charges because of their mistake and I also feel that I have paid for all the charges that was automatically debited from Checking Plus. I have been forthright in paying all the past charges, and it has been more than 1 year since I 've tried to close the account. I have spent more than 18 hours talking with Citibank and I have had enough! Please help!!!!! Sincerely yours, XXXX XXXX XXXX
Product: Mortgage

Carrington sent me a partial claim offer to take care of my past due amount on XX/XX/year>. I submitted the signed and notarized acceptance of this offer on XX/XX/year>. Carrington acknowledges they received the documents on XX/XX/year>. I am currently in XXXX XXXXXXXX bankruptcy but I represent myself. They have never filed documents asking for approval of the partial claim since XXXX. They are saying they are waiting on the court to approve but have not filed a motion to have it approved. There is no record of the partial claim offer on my account. They are still reporting me past due. Luckily, I have my documents to show my mortgage assistance application and the partial claim offer they did not process. The letter states they would process it and bring my mortgage current on XXXX. My next payment was due on XX/XX/year>. None of this is on my account.
Product: Checking or savings account

Date:XX/XX/XXXX Im a visiting student of University XXXX XXXX , XXXX XXXX and I will go back to XXXX after this month. So I go to the XXXX branch bank of XXXX to cancel my XXXX account and withdraw my money ( {$1800.00} ) in my account on XX/XX/XXXX ( Please see the attachment 1 and 2, 1 is the receipt and 2 is the teller give me that day ). The manager of the Chase branch bank helped me cancel my bank account and let a teller ( a girl ) of this bank withdraw my money for me. The teller gave me {$1800.00} ( 18 {$100.00} notes ( in which there are 13 new version and 5 old version ) and 1 {$1.00} note and XXXX coins ). Later I gave the cash ( {$1700.00} ) to my roommate to help me pay the bill of my debit card ( the attachment 3 is the other {$100.00} note ( it is a new version ) I kept for myself ). When my roommate deposited the money, he found that 5 {$100.00} notes ( the 5 old version ) can not be deposited. He go to ask the teller and be told that the 5 {$100.00} notes were counterfeit. The teller and manager took the 5 {$100.00} notes and gave me some counterfeit note reports ( please see the attachments 4-8 ). I wanted to see the camera video of the chase bank to prove all the counterfeit came from the branch bank, but they refused. I also have the receipt in which there are the date, the amount, the transaction No., the session No. and cashbox No.. The manager of the Chase branch bank of XXXX just said they can not do nothing except the counterfeit note reports. 
I can not believe why I withdraw counterfeit from a formal bank. I dont know what I can do to get my money back. Im wondering if you can help me?
Product: Checking or savings account

On XX/XX/2021, my debit card was charged for {$72.00} by XXXX XXXX I filed a dispute with my bank, jp Morgan chase. I informed them on XX/XX/2021 that I did not make the charge and that my card was lost or stolen. They reimbursed the amount to my account and sent me a new card. About 2 weeks later they did a claim reversal for the amount on my account and closed the dispute. I have been trying to get this issue resolved. I did not make the charge and did not have my debit card. And now they won't reopen the dispute or give me my money back.
Product: Debt collection

Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXX/XX/XXXX