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

I hope all is well.. 

I have went online to Experian unfreeze on the website and I have even mailed a certified letter to Experian with all my information they needed to unfreeze my report and Experian still has my credit report froze this has been happening for a very long time, I need it unfrozen for it to be able to be accessed for something, for a company. I need my credit unfreeze for the whole month of XXXX as stated in my certified letter. Please unfreeze Experian I have asked several times and they keep saying its unfrozen but its honestly not. Please look in to this, something isnt right. Thank you very much for your time. Have a wonderful day and please continue to be safe.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name XXXX XXXX XXXXXXXX XXXX  Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Prepaid card

On XX/XX/2023 I filed a claim with Bank of America for charges unauthorized on my XXXX card. They informed me I would have to file 4 separate claims which we did. 1.Claim Number : XXXX {$7000.00} 2.Claim Number : XXXX {$130.00} 3.Claim Number : XXXX {$2000.00} 4.Claim Number : XXXX {$13000.00} Claim listed as ( 1 & 2 ) was approved and the rest was reconsidered. Then ( 3 ) was approved after 20days and ( 4 ) was denied and reconsidered again. Ive submitted a Police Report with XXXX PD for the ( 4 ) because BOA said it would help with the claim. They continue to deny the claim which I do not understand. The claims were filed the same day for the same reason and should all have the same result. Ive filed a complaint with the bank and appealed the decision 2 maybe 3 times. Spoke to supervisor who left notation that the claim needs to be treated as the same for all claims since they were all submitted same day with same cause. Ive submitted documents to support my claim and police report along with copy of my Drivers License. 3 claims have been resolved but the 4th which is the largest is being rejected. This doesnt seem fair. These disputes were for unauthorized charges and they should have all be treated equally. Please help with issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Equifax EQ # 1 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX XXXX # 1 XX/XX/XXXX sent, response recieved, XXXX XX/XX/XXXX, no changes XXXX # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Once you have seen and read the multiple attempts utilized by me to correct the problems please hold credit bureau in question accountable for their willful disregard for the legal law I have afforded to me under my rights as to have negatives items deleted from my credit report. 

The credit bureau in question is also quite adept at responding to my multiple attempts to have them remove negatives on my report with answers to questions I have not asked them, while not addressing the issue I state in my multiple dispute letters. again Please Please don't allow them to get away with these deceptive ploys and misdirections. 

I as a consumer don't have the legal power and authority that you have. Again in closing please simply see read my attached documents for best description of my complants with credit bureau in question. Thank you.
Product: Debt collection

This concerns a settlement agreement between Citibank and me on XXXX XXXX, 2015 for the Best Buy Master Card ending in XXXX. I had a balance of {$440.00}. CitiCards/Citibank agreed to the settlement amount of {$280.00} to be paid by XXXX/XXXX/15. I was told that if I needed to make changes to the original scheduled payment on XXXX XXXX, it would not interfere with the agreed amount settled and the account would not be a charge-off. I called before the XXXX/XXXX/15 to change the payment lump sum into ( XXXX ) installment payments of {$95.00} to be paid with 1-month. I was reassured from the customer representative that this account would not be a charge-off and would show as being paid in full in my credit reports. I requested that this new payment schedule be in writing. I never did receive a letter of confirmation. I called again to request a confirmation letter and was told that I did not need to worry that my account would be updated after the last payment of {$95.00} was received. 

Here is the schedule of when the payments were taken out of my checking account:XXXX - check # XXXX - $ XXXX - check # XXXX - $ XXXX - check # XXXX - $ XXXXTotal : $ XXXXWhen I called Citicards on XXXX/XXXX/15, I was told that the account was indeed charged-off and the settlement agreement was cancelled because I did not make the payments within the payment cycle. 
I feel that I was given the incorrect information on how to appropriately handle the payment plan that I agreed to. 
Please advise if this account is indeed settled with no more collection activity and not charged-off as I was told. I want to make sure that this account will not show up with the XXXX credit bureaus as being a charge-off. 

I have called the XXXX Department at XXXX several times and none of the customer service representatives can not seem to answer my questions and concerns. 

I have checked my credit reports with the XXXX bureaus and indeed have found that Citicards/Citibank has reported this as a charge-off. 

I was contacted by a collection agency about the remaining balance of {$150.00} that Citicards removed due to the settlement. 

I feel that I was informed by CitiCards/Citibank in regards to my settlement. 

I 've attached the letter confirming the settlement between Citibank and me, the letter I sent them about the charge-off concern and the letter from the collection agency.
Product: Money transfer, virtual currency, or money service

Fraud Prevention XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXXo Whom It May Concern : We are writing this letter to formerly file a complaint regarding your decision to deny our request for reconsideration of our claim that the Citi Bank website and Citibank is responsible for allowing two unlawful withdrawals of wire transfers from our bank accounts ( XXXX and XXXX ). The reason for our filing relates to the following rationale : As stated in your letter dated XX/XX/2021, we requested support from the Consumer Financial Protection Bureau for a return of our money since you allowed an outside source to wire transfer approximately {$14000.00} of our funds which was unauthorized by us. Our dilemma is that we feel Citibank was totally responsible and assume that you have sufficient insurance to cover our loss. 
Secondly, since we still have some of our money in our accounts your office suggested that we call the XXXX number and request that you reopen our account o or obtain assistance from your support office to open up a new account so that we would have access to our remaining funds. After spending 1 hour on the phone with your staff we were advised that they were not able to assist us in our efforts to open an account and they did not offer any options on helping us. Furthermore, the individuals were unable to communicate clearly due to the fact that they were not Americans and appeared to be struggling with their XXXX accent to communicate with us other than advise us that no help was available. We will file a follow-up complaint with the Consumer Financial Protection Bureau and the Florida State Attorney General because there seems to be an ongoing struggle to get any help. Since your bank has caused this problem, you should have the courtesy in correcting it. We are asking for two things refund our money and have the courtesy to allow us to have access to our account. 
Respectfully yours XXXX and XXXX XXXX CC : Consumer Financial Protection Bureau Florida State Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft company or organization XXXX  card account number XXXX date that I discovered it XX/XX/2019
Product: Credit reporting or other personal consumer reports

On Wednesday XX/XX/2023, I received a text message from " AmSher '' a debt collector stating that I recently received a letter. I called right away, stating that I never received a letter and was unsure what they were referring too. She proceeded to tell me they mailed a letter, and gave me an address that was not mine and I stated that was not my address. She then asked if I had lived at a XXXX  XXXX, and I clearly told her I did not. She then stated she was going to open a dispute. Fast forward to XX/XX/XXXX, I receive a notice from my credit monitoring account that AmSher placed the account in collections, when I was yet to receive a letter initially or even the status of her " dispute ''. And my mailing address is up to date and all my mail is being forwarded.
Product: Credit reporting or other personal consumer reports

This account states that I settled for less they put somebody else account on my credit report they lie I paid this accountant full. I have my receipts {$8.00} the {$9.00} is not in my account. This is fraudulent and illegal, and I will be seeking a lawyer and I will be suing,
Product: Credit reporting or other personal consumer reports

Hello I am writing to you because I got a email stating there was an inquiry made on my credit file, I have place a fraud alert previously because they tried to do this before too, PLS REMOVE XX/XX/XXXX DONE XXXXAS I HAVE NEVER APPLIED NOR GAVE ANY INFORMATION TO XXXX XXXX AND KEEP MY INFORMATION VERY PRIVATE FOR REASONS LIKE THIS PLESSE REMOVE THIS FROM ALL XXXX XXXX ASAP
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

Each weekend on both Saturday and Sunday the law firm Arnold Scott & Harris bombard my phone with incessant calls attempting to speak with someone that doesn't live here. I have informed them of this on several different occasions but yet they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove fraud accounts off my credit file. XXXX, XXXX XXXX XXXX, and six closed accounts XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Are Fraud accounts.
Product: Mortgage

I have tried to contact the company for days and they will not answer. They state that they are open during specific business hours and they when you call, they say they are closed. They have been " closed for a data breach '' for weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen on XX/XX/2022 ( fell out of purse in parking lot, went back 4 minutes later to it gone ). My social security was in the wallet, along with drivers license, debit card, credit card, gift card, and some cash. There was no video footage, unfortunately. However, one bystander mentioned that a XXXX  woman with thinning blonde  hair and a black backpack who appeared to be XXXX  was in parking lot around same time wallet was dropped. Spoke to a few other employees in the area and all mentioned same woman who hung out around the area. One employee stated that this particular individual has a XXXX  problem. 

I was checking my credit score report and noticed an inquiry I did not make for a XXXX credit card, Capital one, and XXXX XXXX. When searching deeper into my XXXX account, I noticed my email was listed incorrectly as XXXX instead of XXXX. I have reached out to capital one and they have refused to remove the inquiry. I have also contacted XXXX XXXX  XXXX XXXX Credit Card department without success. 

I have contacted the XXXX Police Department ( XXXX ) and filed a police report online. The tracking number is XXXX. I called XXXX and they said that this number can be linked with case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX
Product: Credit reporting or other personal consumer reports

I opened a complaint on XX/XX/XXXX against them COMPLAINT ID XXXX and they finally responded today, on XX/XX/year> It took Experian over 4 months to respond to my dispute letters and they didn't honor any of my requests. This is in direct violation of the FCRA. 

I demand the complete removal of the items I disputed ASAP or I will take legal action. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had EXTREME difficulty with Shellpointe Mortgage Servicing/ New Rez Mortgage with delayed credit reporting. Currently they have only reported through XXXX 2021. It is now XX/XX/2021 and their lax reporting issues are impairing our financial situation. I have spoken with with the company numerous times and nothing gets done until I report them. This is the third time I have had to report them for three DIFFERENT issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX did not validate the debts they allege I owe. They never sent me anything in writing, I had to find out about them by reviewing my credit report. They pretend they did not receive my timely, written demand for validation under 15 USC 1692g Sec. 809 ( b ) of the FDCPA. HOWEVER, they did ( UNTIMELY ) respond ( how would they respond if they really did not receive my written demand?!? ) but their response did not comply with 1692g in any way, shape, or form. It merely said the account had been " closed '' instead of actually validating, per my request. ( See attached ). It has been many months yet they are still listing a negative ( s ) on my credit reports, despite the law giving them 30 days maximum.

The credit bureaus have ignored this fact and are about to also get sued in federal court and pay all of my attorneys fees and costs if they do not immediately remove all negative references from XXXX XXXX, XXXX from my credit reports.
Product: Debt collection

I have already filed a complaint with the CFPB ( XXXX on XX/XX/year> ) But I have now learned who the collection agency is that reported the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Checking or savings account

On XX/XX/XXXX I went to the United bank ATM to make a deposit & I deposited {$800.00} into the ATM when it took my money, said transaction cancelled but did not give me back my money. I filed a dispute with my bank but they are saying the ATM balanced out & there is nothing more they can do when I in fact know I deposited this money because even my mother witnessed me do so. I need help because this is my hard earned money that they are taking away from me.
Product: Checking or savings account

Chase Bank has charged me several insufficient fund fees alongside non atm fees for accessing my money. These fees have caused me significant harm and banks are not suppose to impose such fees to individuals or consumers only entities engaged in commercial banking. Chase is making money from each deposit into their financial institution by securitizing its customers accounts. Chase Bank did not incur any loses so to charge me junk fees is unconstitutional.
Product: Debt collection

1. FMS  is reporting an unvalidated debt to the Credit Reporting Agencies ( CRAs ).

2. Upon receiving written notification of the alleged debt, I immediately responded in writing within the statutory time-frame of 30 days and requested that FMS furnished me with " Validation '' of the debt.

3. The request in paragraph 2 has NOT been forthcoming. Instead, FMS decided to continue with
Collection activities and has updated my credit report as recent as XX/XX/2018.

4. Pursuant to FDCRA, all collection activities ought to be stopped during the window where debt validation is pending. FMS has NOT yet validated this debt and as such it should NOT be reporting on my credit report.
5. In light of the foregoing, FMS is in violation of FDCPA, and notwithstanding prior violations previously submitted. Consequently, this complaint serves to engage the services of FTC and/or CFPB to ensure that my consumer rights are protected and are not infringed upon by FMS. Additionally, it is hereby requested that CFPB administratively order FMS to remove all negative information from my credit report and cease all collection attempts until they provide me with Full Validation of the alleged debt. 6. All rights reserved to seek compensation for all violations already committed to by FMS through the appropriate legal channels. 7. I trust that this step will amicably resolved this matter ; thus averting the need for litigation.
Product: Credit card or prepaid card

This card is a Walmart Credit Card that is issued through Synchrony Financial. Over a month ago I noticed they were randomly applying payments to different promotional balance due dates. I called them up and requested them to re-apply my past payments from the later due promotional balances to the promo balance due first. Instead, they went back several months, took all my payments from non-promotional, interest accruing balances that had already been paid off, and re-applied them to promotional balances. This has resulted in interest being charged each statement period. I called and was told this would be correct immediately and that it was illegal ( a representative said so herself ) but I am still accruing interest for balances that were already paid off. I give them the benefit of the doubt to fix it and statements later it is still wrong so now I have to make a complaint. I need them to re-apply the payments and close out all of those interest accruing balances that they opened up by misapplying my payments in the first place. After going back several statement periods and fixing all payments they messed up and after ensuring they applied all said payments to interest accruing balances first, then they need to apply what payments are leftover to the promotional balances.
Product: Credit card

Can not contact American Express, they do not answer phones. Prior to today whenever I contacted them they gave me wrong information. Supervisor informed me that they finally got it right bit they did n't. They could not give me information on my automatic payments notwithstanding that I have been on automatic payments for years. What is happening to Am Exp? /