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

XX/XX/XXXX According to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ), you are required by 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 your reporting services could fax, mail, or email in a fradulent 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 ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below.

I Demand the following accounts be verified or removed immediately. 
1. INQUIRY : XXXX XXXX XXXX  ( INQUIRY XXXX ) 2. INQUIRY XXXX XXXX XXXX ( INQUIRY XXXX ) 3. INQUIRY XXXX XXXX XXXX ( INQUIRY XXXX ) 4. ( Account name XXXX XXXX XXXX  XX/XX/XXXX Account number XXXX Account type Debt Buyer ) 5XXXX XXXX XXXXAccount XXXX XX/XX/XXXX Updated. The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
6.Report Number XXXX Date Generated XX/XX/XXXX >Please remove all non-account holding inquiries over 30 days old. 
<Please add a Promotional Suppression to my credit file. 
<Please remove all accounts that are no XXXX XXXX  COMPLAINCE. 
PLEASE NOTE THAT YOU HAVE 30 DAYS TO COMPLETE THIS INVESTIGATION, AS PER THE Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). be advised that the description of the procedure used to determine the ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEARBY REQUESTED AS WELL, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, INCLUDING YOUR METHOD OF VERIFICATION. I DO NOT CONSENT TO E-OSCAR AR ANY MEANS OF AUTOMATED VERIFICATION.

Failure to respond satisfaction within 30 days of receipt of this certified letter may result in small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of Fair Credit Reporting Act 4. ) Financial injury
Product: Credit reporting or other personal consumer reports

Experian. Did not complete nor perform an investigation instead they decided that I owe a debt based on their decision. I ask them over the phone. I need to see a written agreement that shows my signature & that the complaining party owns the debt to collect. 
They said that isn't necessary base on my history is enough to make their decision. This is a Red FLAG! They know there is know debt to collect so they play these games to protect the corporation 's they represent. These Corporations are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX was suppose to be delete XXXX XXXX However Experian keep renewing the dates. There has never been an Investigation they make there own decision.
Product: Credit card or prepaid card

XXXX XXXX XXXX On or about XX/XX/XXXX I asked for a credit increase to {$10000.00}. According to the response it went through as I requested. XX/XX/XXXX I made a purchase at XXXX for @ {$36.00} and it was declined. After spending 1-2 hours on the phone with agents ( outside US ) I was told they couldnt disclose why I was declined, and after calling back agin that I couldnt be verified, and thy couldnt disclose why my card was shut down. 
On XX/XX/XXXX, after spending a considerable amount of time on the phone with XXXX in the fraud dept. ( I asked for fraud bc I know I could check activity and find out if there any fraudulent activity or attempted ID theft ) I was assured that my she took care of my complaint, and was going to send my complaint to management. Sill I didnt know why I was shut down. She assured me everything was OK with my card. Two hours later I went to pick up prescription at XXXX XXXX, and my card was declined again, my purchase was {$8.00}. I tried for another hour to get through as I needed to make another purchase while I was out and didnt have enough cash with me. 
After several calls I inadvertently closed my account by hitting the wrong response number while on with the robot, and the next agent told me that my account was closed. 
Im done with XXXX XXXX XXXX, but I have a right and they have an obligation to tell me why this happened.
Product: Credit card or prepaid card

This will be third complaint against NetSpend. 
I purchased 2 cards. Within 24 hours someone stole them before I had a chance to registar them. Of course I called the store where I bought them. Then I was told to call NetSpend. I did, they at first said they could do nothing. Then if somehow I could get the card numbers I could have my funds out on a new card. It took about 3 or 4 days and XXXX finally gave ne the card numbers through the store manager. Remember, Ive had the reciepts and the activation code on them the whole time. They would not help me still untill I submitted a complaint on this site. Then They reached out and told me not to worry. they would escalate my 'concerns ' to the fraud or whatever dept/ I whatever because by the time they got around to doing anything I had filled a police report called in the card numbers and then someone called and registared them. How did they do this after I called and reported them stolen? Do they always activate stolen cards? and beleive me by this time I had talked tothem at least 5 times and gave them the numbers provided me by XXXX. Ans yes the last 4 digits they gave me matched the ones on the receipte So now I filled another complaint, they called again and said they coud not refund any funds soent on the cards but would send mwe a check for the few dollars remaining. So they admited my ownership but still are not willing to refund my money that was relesed to someone at least a week adter these cards were reported stolen, So what is the point of all the registration if anyone incuding a thief after these are reported stolen can still get accsess and get away with using someone elses money? I responded to their claim that they are not liable for my money by stateing that they activated cards that were reported as stolen by assisting the thief with the ability to safely without conciquence use my money. with the blessing of NetSpend. I would think if they allowed cards that had been reported stolen to be activated in another name other than the one that was the holder of all the required documents without a blink of a eye this would be the same as being a accsesory to a crime. Well, after sending that to them they contacted the CFPD and stated they were not finished with my case, although they made it very clear to me they no liability and would not be giving me my 1000 back.This is a copy of the last responce 2 days ago Thank you for responding. I understand that you are stating that the cards were stolen from you. Because you had not registered the cards by activating them with your information is why we are not liable for the funds. That individual registered their information and activated the cards. That individual also used the funds. 

Based on the documents that you sent to us such as a receipt showing that purchase is how we were able to send the remaining balance. We are not liable for the funds that were used. We have done all that we can do to assist you with this matter. The individual that took your funds is liable for funds that were used. 

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

When I was XXXX I got a Car and shorts afterwards the Next year I XXXX because I am an XXXX XXXX XXXX in the XXXX. When I XXXX I didn't have anyway to contact America I tried to. download multiple Texting/calling apps, I tried emailing but to no Avail I could not reach JPMCB in XXXX. When I returned I noticed that I had a collection and it was from them It said my account charged off in XXXX when I was XXXX and whenI called and told them my situation they rest assured I was good and that it was okay. They gaslighted me Into believing things until I just paid the car off in one big lumpsum. While I was paying they reported every month CO reseting my date of last activity with them.I tried to ask them to stop since they can not legally do that and they said that they are doing what they are instructed.I didn't argue or fight with them because, I was young and didn't realize how bad that was. Now I recently tried contacting them to no avail to get the to delete the CO month by month and have a more accurate reading and they have not. I Paid the account off in XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Received a call from Tx stating I owed on XXXX vehicles that has my license number attached ( Florida license ) which I have never lived in Florida or have a Florida license. Stating they have sent me letters to last address and current address which we have not received. Said I bought a vehicle in 2005 and was repossed by household bank. I have never had a vehicle repossessed nor have I ever heard of XXXX bank. They are saying there is an affidavit in my county and they will garnishee my wages. I am scared to death. They have the last XXXX of my Ssn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account on my Equifax credit file XXXX XXXX XXXX {$3800.00} within the last 12 months. This account is not my account. Equifax deleted this account and then put it back on my credit file. I requested by letter that Equifax send me how they came to the resolution that this account is mine. Equifax failed to furnish their evidence and completely have ignored my request. This account was opened in the state of Oklahoma. I have never lived in the state of Oklahoma. I have filed a CFPB complaint against XXXX XXXX XXXX # XXXX. This account is not mine.
Product: Credit reporting or other personal consumer reports

i paid off both of my credit cards at citi bank over XXXX dollars. i have been with them for years and never had a late payment. 
after i paid off debt they closed my accounts. 
after inquiring i was told i was a felon, which is true. 
but that felony was over 12 years ago and i paid my debt to society and finished in XXXX 

over this past 10 years they had no problem collecting interest on both cards with never a single late payment. 

i find they didnt want to cancel me when i owed them a large debt but after paying they took advantage and this hurts my overall credit report. 

is the any recourse
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

Acct # XXXX XXXX XXXX XXXX Acct # XXXX. XXXX XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My creditor, XXXX XXXX, refuses to correct my credit file. My creditor XXXX XXXX has mishandled my account file as it pertains to my credit. My self and spouse applied for a mortgage with XXXX in XX/XX/XXXX. XXXX ran my credit report the same month, approximately XX/XX/XXXX and advised me of a late reported XX/XX/XXXX. XXXX hired XXXX XXXX to validate this, as I advised I had not had a late payment. On XX/XX/XXXX XXXX XXXX representative, XXXX XXXX contacted me and we had a conference call with XXXX XXXX   Rep., XXXX. XXXX was asked by XXXX if my payments were current, If I had any late payments in the last 12 months, the balance amount on my account, last payment and next payment due date. XXXX advised XXXX that I had not had any late payments in the last payments in the last 12 months and my last payment was XX/XX/XXXX and next payment was due XX/XX/XXXX. I had been paying every 2 weeks even through my due date was XX/XX/XXXX of the month. I have been in contact with the credit bureaus to file a dispute. I provided them with the XXXX XXXX documentation of the call that verified no late payments. I provided the same information to XXXX XXXX. They denied the call was made to them, denied the employee XXXX verified the information as well. : What company is this complaint about? XXXX XXXX. : Who are the people involved? 
XXXX XXXX from XXXX XXXX   XXXX XXXX XXXX / XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had stolen my XXXXdentity ( SSN and other ) and applied the personal loan in company called " XXXX XXXX ''. We have noticed that recently when we pulled our credit report. I have given below the loan details. 

Company gave the loan - XXXX XXXX XXXX Loan Amount - {$10000.00} Monthly Installment is debited from Pay check since XXXX We have reached out " XXXX XXXX XXXX '' to close the account and reimburse the money. But they closed our request saying that they didnt find any fraudulent during their investigation even though we have submitted all the proofs. 

I have attached below documents for your reference. Please let us know if you need more details. 

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
Product: Credit reporting or other personal consumer reports

I recently checked my Experian credit report after not reviewing it for some time. To my surprise, I noticed a XXXX XXXX XXXXXXXX credit card listed under my name or Social Security Number ( SSN ). I have never opened a XXXX XXXX XXXXXXXX credit card, so Im unsure how this occurred. This unauthorized credit card record appeared on my report. 

On XX/XX/XXXX, I filed a dispute with Experian regarding this issue. However, when the dispute results came back on XX/XX/XXXX, they refused to remove this incorrect XXXX XXXXXXXX XXXX credit card record on my report. 

I contacted XXXX XXXX XXXXXXXX directly, and they confirmed that I do not have any account or credit card with them. I am requesting that Experian remove this erroneous XXXX XXXX XXXX record from my credit report immediately to prevent it from negatively affecting my credit score.
Product: Debt collection

In 2014 I was injured in two car accidents one in XX/XX/XXXX of 2014 and the other XX/XX/2014. In XXXX of 2014 I received a notice the debt was not paid however the amount of the debt was incorrect. I advised the representative the debt was paid under my policy with XXXX XXXX under my claim number. I was advised the debt was not paid. I continued to receive harassing calls every week to collect the debt. I advised the representative the debt would be paid from my settlement. I contacted a representative who advised the debt was not paid. I made a final attempt to settle the debt and I was advised I would need to make a payment in full. I advised after Covid 19 I would be unable to pay the full amount the representative stated there is nothing they can do about it.
Product: Credit card or prepaid card

Back in XXXX, we were looking at moving companies. I authorized a down payment for a moving company to book the service and lock in the rate. Come to find out that they lied to us and doubled the price. We told them we weren't going to be doing business with them and they charged the card for {$1000.00} without our consent. I brought it up to Citi and for MONTHS have been bounced around to different departments but they refuse to help me. The response I got was " you gave your card number to a company. You therefore authorized them to use your card for their transactions even if you didn't sign off on this charge. '' That's completely unacceptable and insane to think that they can charge my card for whatever amount they want without my consent and it's okay because I 'gave them my card number '. That's exactly the definition of a unauthorized charge. Citi has refused to escalate my dispute further and refuses to help me with this transaction.
Product: Checking or savings account

I closed my account at Bank of America on XX/XX/2023. Prior to that I requested that they cancel all recurring auto drafts and I verified with them twice that they had. This is after they had me get a new atm card telling me that would fix the problem. On XX/XX/2023 I received an email from Bank of America that they were crediting me XXXX for a bill that I paid through Bill pay but it was never cashed. I called them XX/XX/2023 and asked them since my account is in pending closed status for 10 days, could I come in and get my money. NO, I had to wait 10 days just in case a transaction comes through that would re-open my account. I tell them that if I wanted my account open I wouldnt have closed it. And I asked them why they could use my money to cover auto charges that I was assured were no longer there but I couldn't come get my money. 
It has been 19 days and I still do not have my money. I called today XXXX and they tell me its in pending closed status. I ask why? They tell me because there was a auto pay that reopened my account! Which was paid and the merchant that they paid was already paid from my new account and now I get to chase down those funds. I closed my account for a reason. They will not release my money and can not tell me when or why they re-opened my account. This is criminal and preditory
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent my first request of my report and requested a Security Freeze to SageStream , LLC, by Certify mail # XXXX XXXX XXXX XXXX XXXX. SageStream , LLC didn't respond, taking the holidays under consideration the fact that I didn't received a response I send them a 2nd request on XX/XX/2020 by certify mail XXXX XXXX XXXX XXXX XXXX, request that was also ignored, then I proceed to make a few phone calls and left several massages in regards to my request until this day no response have been received nor the report and or a freeze on my account have occur. The dates that I called and left mssgs were XX/XX/2020 - XX/XX/2020 and XX/XX/XXXX.
Product: Credit card or prepaid card

midland credit management somebody used my info to get a card and spend {$1100.00} dollars I tried to dispute this issue several times and its frustrating to keep getting mail from this company about a card I never even used... date opened on my credit report XXXX XXXX  company continues to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

I called freedom debt relief to cancel monthly ACH due to me losing my job they said I can't and I can only reduce the Amount and I should be calling them monthly to reduce, I called XX/XX/XXXX to reduce its to {$20.00}, and they confirmed. Today I checked my account they withdrew {$780.00} without my approval, causing an insufficient fee charge of {$30.00} from my bank and another {$35.00} from my mortgage company I had schedule a mortgage payment which bounced. Please I need your help, Freedom Debt Relief has being charging fees for non negotiated settlement and other fees,
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is Trying to Apply for Credit Using my Name. I did Not Authorize anyone to Open and credit Using My Personal Information to Open New Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Looked at my report and seen inquires that does not belong to me. Please remove them before I contact my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX  XXXX XXXX XXXX ACCOUNT XXXX XXXX  WAS PAID IN FULL TO {$0000.00} TO XXXX DOLLARS BY DUE DATE XX/XX/2021 AND CLOSING DATE XX/XX/2021. THERE IS A BALANCE OF {$4200.00} SHOWING. IT NEED TO BE REPORTED CORRECTED.