23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My debt to Citi Cards CBNA in the amounts of {$5700.00} and {$3900.00} were discharged in Chapter XXXX Bankruptcy Court on XX/XX/2018 case # XXXX. I have tried unsuccessfully to have this matter corrected by reaching out to Citi Cards with supporting documents that I will also attach to this complaint. Citi Card did not contest this discharge so this should not show as charged off or owed
Product: Debt collection

I'm filing this complaint regarding a fraud account opened XX/XX/XXXX. I noticed on my credit file XXXX XXXX XXXX BALANCE XXXX This account was opened FRAUDULENTLY DUE to identity theft. I contacted the creditor and the address the account was open under XXXX XXXX XXXX XXXX CA XXXX. I have NEVER LIVED AT. THIS ADDRESS IS ALSO NoT ANYWHERE ON MY CREDIT FILE RECORDS.. 
I DO NOT OWN THIS DEBT. I RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX FROM XX/XX/XXXX TILL XX/XX/XXXX. 
PLEASE REVIEW BELOW FTC REPORT AND POLICE REPORT AND LEASE AGREEMENT. DELETE THIS ACCOUNT OFF MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Me and XXXX XXXX had a verbal agreement that if I paid them XXXX dollars more on the car loan they would end the loan and I wouldn't have to pay them anymore the loan would be done. We made this agreement in XX/XX/year> and the agreement was that I make monthly payments in the amount of XXXX to XXXX monthly until I reach the agreement amount. We came to this agreement because the vehicle had a lot of issues and I paid out of pocket to have them fixed. I am filing this complaint because after I paid them what they asked they went back on they word and instead charged the car off which left a negative mark on my credit pertaining to my car loan. Which this is not the agreement we made. I have proof of all the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 accounts on my credit report with XXXX XXXX and they were deleted, however it was reinserted on my credit file The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified. the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. 
the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a  ) ( 5 ) ( B ). The accounts in question is as followed **** Account number XXXX Common wealth fin. Account # XXXX XXXX XXXX XXXX.Also XXXX  there is an account that was previously deleted and re added XXXX XXXX  that I would like a certificate of accurancy.
Product: Credit card

I am writing to formally raise a concern regarding an offer I utilized but for which I did not receive the promised benefit. My Amex Blue Business Plus card, ending in XXXX, was specifically enrolled in a promotion offering 10 % back as a statement credit for prepaid hotel bookings made through XXXX/amex. This offer was to be valid until XX/XX/year>, with a maximum credit limit of {$120.00}. 

On following the specified instructions, I completed a transaction amounting to {$1600.00}, expecting to receive the {$120.00} statement credit as outlined in the offer. Unfortunately, this credit was never applied to my account. Upon contacting your online support, I was informed by the supervisor, XXXX, that my purchase did not qualify for the offer, despite my adherence to all the offers terms and conditions. 

This situation is quite disappointing and has consumed a significant amount of my time, especially considering the clear expectations set by your promotional terms. I request a thorough review and subsequent crediting of the {$120.00} as initially promised. 

Please look into this matter urgently and confirm when I can expect the adjustment to be made to my account. I appreciate your prompt attention to rectifying this issue.
Product: Credit reporting

BEEN A VICTIM OF IDENTITY THEFT AND THESE ACCOUNT ARE ERRONEUS IN MY EQUIFAX REPORT. I BEEN TRYING TO REMOVE FOR MONTHS NOW, BUT EQUIFAX AND THE COMPANIES LISTED BELOW ARE IGNORING THE FACTS AND EVIDENCE THAT I PROVIDED SUCH AS POLICE REPORT, IRS IDENTITY AFFIDAVIT, FTC AFFIDAVIT AND MORE. 
XXXX
Product: Credit reporting or other personal consumer reports

I was awarded a loan forgiveness called XXXX XXXX XXXX  XXXX  my balance should be XXXX. The credit bureau has listed a balance of XXXX.
Product: Credit reporting or other personal consumer reports

I requested inaccuracies regarding my name, address and employer be verified and corrected with proof of verification and correction. 
I disputed multiple inaccuracies on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After a thorough review, I have identified the following errors : Incorrect Name on Report : [ XXXX XXXX, XXXX XXXX XXXX, these should be removed Correct Name : [ XXXX XXXX ] Incorrect Address on Report : [ All Addresses Listed besides correct address below should be removed from my credit report ] Correct Address : [ XXXX XXXX XXXX XXXX XXXX, IN XXXX ] Incorrect Employment Information on Report : [ XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, these should be removed Correct Employment Information : [ XXXX XXXX XXXXXXXX ] Incorrect Phone Numbers : REMOVE ALL PHONE NUMBERS FROM MY CREDIT REPORT They replied saying the above inaccuracies were completed and removed but they are not, they are still on my reports. 

These inaccuracies may be causing significant harm to my creditworthiness and financial standing, and I request your immediate attention to rectify these issues. 
Enclosed with this letter, please find copies of documents supporting the correct information, such as my driver 's license, utility bills, and employment verification documents. 
I request that you conduct a thorough investigation into these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ), Sections 611 and 613. The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of the information contained in their reports and allows consumers the right to dispute inaccuracies. 
I am also aware that, under the FCRA, you are required to complete the investigation within 15 days and provide me with a written summary of the results. I kindly ask for your cooperation in adhering to these legal obligations. 
Please remove the inaccuracies in my credit report promptly and provide written confirmation of the corrections made, including an updated credit report, as required by law. 
Thank you for your immediate attention to this matter. I appreciate your prompt resolution of these discrepancies to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unaware of their source. Per USC 1681g, I formally ask for their deletion within 15 days. Relevant documents are attached for your review.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I contacted XXXX XXXX customer service to discuss a transaction. While speaking to them, it appears the phone call was hacked into, and a man who identified himself as a customer service rep started asking questions about my profile for identification purposes. When he asked about my Bank of America accounts, I became concerned when he went into details about my balances. The man first XXXX {$1400.00} out of my XXXX account ending in XXXX. When I noticed the transaction, I could not stop it, or able to log out of the account myself. I then restarted my cellphone and immediately called Bank of America. As he tried sending a second transaction for {$1900.00}, as I was already on the phone talking to a Bank of America customer service rep who was able to stop in right on time. The man had also withdrawn {$990.00} from my personal checking account ending in XXXX, using my XXXX profile. I then contacted Bank of America fraud department and filed claim # XXXX. After months of waiting, Bank of America stated they were able to resolve the transaction for {$990.00} but not the transaction for {$1400.00} as I was not able to prove I did not purposely send the money myself. This is infuriating because they have proved that I called them on time to stop the second withdrawal attempt of {$1900.00}, and the one for {$990.00}. Both transactions from the account ending in XXXX were made by the same person, same email address, and almost simultaneously. I was forced to close and reopen new accounts. I have been a loyal Bank of America customer for 20 years. This is what I get from them. I am a hard-working XXXX XXXX XXXX who is constantly risking his life for his family. This is how Bank of America values my loyalty. So, I ask you to please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct this entry since  XXXX     2017  with the collection agency and the letter was returned to me undelivable. The credit bureaus keep telling me it was verified but how can it be verified when the letter was never delivered and the investigation started in  XXXX   2017  and continues now  XXXX   2017
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a consumer as identified in FDCPA 15 USC 1692 a ( 3 ) and I have a right to privacy pursuant to 15 USC1681 ( a ) ( 4 ). 

XXXX XXXX XXXX XXXX is in violation according to the XXXX XXXX for comprising my information to XXXX. I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. 
Also Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX Act. The FTC is one of the federal agencies that enforces provisions of XXXX XXXX , and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''
Product: Student loan

I am a co-signer of a loan for my son. He is paying the normal monthly payments and I am making extra payments towards the principal. I have requested that they apply XXXX % of the extra payment to principal only and if they can not agree to that, to return my check. They applied my first payment of XXXX correctly but the second payment of XXXX on XXXX/XXXX/15 they took XXXX and applied it to interest ( even though my son 's payments are current ). I faxed them an inquiry on XXXX/XXXX/15, no response. On XXXX/XXXX/15 I emailed them through their own website requesting they reverse the XXXX and put it onto principal. To date, they have not responded.
Product: Credit card

I went to pay my bill on the due date as I have many times before ; by calling the phone number. There is allegedly a way to pay online, and I've tried to sign up countless time, but every time I try, it says my data is not correct and I can not sign up for online payments. Usually the phone number provided on the statement works ; but they are not working. I've called every number on the statement and the card and the website ; and they all give me an error message or give me XXXX modem noises. I have double and triple checked the phone numbers, they are correct. I tried to find somewhere I could find support on the Ulta Credit Card website, but you need an account in order to contact their support ( same problem as above, it says my credentials are not correct ). SO NOW, I have to deal with an unfair late charge because their systems do not function.
Product: Vehicle loan or lease

I purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX ) on XX/XX/XXXX and financed the purchase from American Honda. The salesman ( XXXX XXXX ) informed my wife and I that the rear tailgate was damaged in transit and deducted a small amount as the tailgate was replaced prior to our purchase. 
On XX/XX/XXXX, the vehicle emitted a loud screeching sound and placed itself in park if we tried to put it in drive or reverse. The vehicle can not be driven. 
On XX/XX/XXXX, I called the service department, explained the problem and they said I needed to talk to sales. The sales department provided no help- they suggested I call roadside assistance. I called American Honda and had to open a case rather than Honda fixing the problem. 
I am submitting this complaint to the CFPB. We believe that we were sold the vehicle under false or misleading circumstances ( the full disclosure of the issue was not provided to us ). 
Thanks for your assistance.
Product: Credit card

Paid Barclaycard XXXX via website on due date. Was assessed a late fee because my payment was after XXXX. I pay my other credit cards online and none of them have a payment cutoff time before XXXX ( I paid around XXXX ). I had no reason to expect the case would be otherwise with the Barclaycard XXXX.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account ( XXXX ) that has been improperly reported on my credit report by Jefferson capital system without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 1.

Jefferson capital system has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.

Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

Jefferson capital system is flagrantly disregarding consumer protection statutes. I did not receive any notice from Jefferson capital system providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. 
I kindly request that the CFPB investigate this matter, as I believe this collection was reported without following the proper legal procedures. 
Additionally, I request that Jefferson capital system remove this account from my credit report and cease all collection efforts immediately. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are stating I have missed payments across a few lenders which is incorrect I have provided proof of on-time payments to each lender specifically.
Product: Debt collection

Information was sold to a third party, collection agency and original creditor reporting on credit history. The collection agency did not provide the original debt or contract owed.
Product: Debt collection

I just got a copy of my credit report and noticed this bill from XXXX XXXX for {$1200.00}. Dated for XX/XX/XXXX but It wasn't assigned to my credit until XX/XX/XXXX. I had already moved to XXXX. XXXX paid my bill in XXXX and it had to be paid in full. How could I owe {$1200.00} in XXXX? XX/XX/XXXX I came to XXXX to find a job and residence before I moved here the end of XXXX. I don't have the receipts from The Department of Human Services, but I don't owe XXXX XXXX XXXX No more than {$100.00} for final bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXXXXXX XXXX XXXX XXXX *REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO AN OPEN ACCOUNT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and there is an account that don't have a name but the acct number is XXXX. I am doing this on my own.
Product: Credit reporting or other personal consumer reports

I have discovered numerous accounts on my credit report that I did not authorize ; pursuant USC Title 15 1681, these accounts need to be removed immediately. I am writing to employ immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, Experian Information Solutions Inc., XXXX XXXX XXXX XXXX. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm
Product: Debt collection

Paramount recovery systems is in violation of 15 usc 1692 et seq after violating my consumer rights and posting debt to my expieran report without first notifying me. I found out by XXXX XXXX XXXX XXXX XXXX that on Thursday XX/XX/XXXX two accounts were posted on my experience report further damaging and injuring my consumer character. The accounts was flagged on XX/XX/XXXX but not reported until the XXXX without acknowledgment from me the consumer. I can attest I have never heard from this company nor ever known about this company. I have never had a contract nor made a transaction or received any goods or services from this company. This debt has not been validated and I do not know why PARAMOUNT RECOVERY SERVICES is attempting to use my information to extort me.
Product: Credit card or prepaid card

On XX/XX/19 I went into a TJ Maxx store in XXXX XXXX, CA. While checking out, the cashier told me I could " upgrade '' my current TJX store card to the MasterCard version and she'd give me 10 % off. I confirmed with her this would NOT be a new account. She let me know it would be an upgrade to my existing card so I agreed. Turns out this was exactly the opposite. When I called customer service, they informed me a new card was opened and they can not merge the accounts. I said fine, please close the new account opened and they said they would. On XX/XX/19 I received a letter that there was no evidence finding any issues with the new account and the card would remain open. Completely absurd. TJ Maxx needs to train their staff both in store and through the customer service line. I now have a card open that I do not want and was tricked into opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax exposed my information without me knowing. A lot of inquiries when I wasn't even applying for anything.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the accuracy, compliance, and reportability of a listing on my credit report. The information provided by this credit bureau lacks validation through associated accounts on file. I challenge the veracity of this listing and request immediate validation. Specifically, I request copies of any documentation associated with this account bearing my signature. In the absence of such documentation, I formally request the removal of this information from the credit file associated with my Social Security number. Please see attached documents for these items I am complaining. 

This account is paid in full!! 

Im buying a house and you guys are slowing me up! This was paid Months ago!!
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX