23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

There were XXXX charges for {$590.00} from XXXX on my XXXX cc. I contacted the cc company and they told me they would take care of it. We canceled that Platinum card and I was issued a new Rewards card, but not a Platinum.The charges were reimbursed on my XXXX statement. I received a letter on XXXX XXXX saying the " were unable to accept my claim for the following reasons : 1-cust. benefited from use of card/participated in the purchases ; 2-Cust released acct info to third party and 3-cust. accepts responsibility for the charges. '' I called them that same day and asked for a re-investigation. A lady called me on XXXX XXXX and said they were not going to take care of the charges and the next day ( XXXX ) I recd my bill and there were the charges ( again ) {$590.00}. I DID NOT MAKE THESE CHARGES. I then contacted XXXX and because it was over XXXX days, they would not do anything about it. If I had KNOWN the cc company was going to deny my claim, I would have contacted XXXX. The cc company said " they would take care of it '' so I believed them and let them. Now I am stuck with {$590.00} in charges I did not make. Can you help?
Product: Debt collection

I added an account I had with  XXXX   XXXX   XXXX  in my chapter  XXXX  bankruptcy but they still sent account to a collections agency named  Monterey Financial based in California. Monterey Financial  contacted me several times to collect the debt even after they received paperwork stating that account was included in bankruptcy. My attorney sent them paperwork and they still sent the account to collections which is affecting my credit report since they were not supposed to have the account in the first place.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information.

I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit. Please delete the item as soon as possible.
Product: Debt collection

I am submitting this CFPB complaint to request the removal of account AMEX/DSNB XXXX Date Opened : XX/XX/2016 with an alleged Balance : {$0.00} that is erroneously and fraudulently reporting on my Credit File. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account AMEX/DSNB XXXX was incurred due to fraudulent charges, which according to VISA/ Mastercard XXXX Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. 
AMEX/DSNB XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Mortgage

I attempted to get a refinance mortgage. Amerisave charged me {$420.00} for an appraisal and then proceeded to send me inaccurate paperwork. They did this 3 times and when I told them I could n't sign inaccurate paperwork they closed my loan application saying I did n't respond. I have contacted them XXXX times and they are refusing to contact me back. I looked up Amerisave Mortgage and there was a lawsuit by the CFPB that Amerisave lost forcing them to pay a large amount of money for illegal practices such as this. Well, they still are doing so. I would like my money refunded.
Product: Debt collection

Pursuant to my debt validation request, on XXXX XXXX, XXXX, Rash-Curtis & Associates, a collection agency, provided me with debt validation support documentation. On XXXX XXXX, XXXX, I wrote a response to the collection agency indicating that the statement from their client, XXXX XXXX XXXX dated XXXX XXXX, XXXX for XXXX XXXX Co-pay for XXXX in the amount of {$140.00} was inappropriately billed to me. In my letter, I mentioned that the aforementioned charge is a XXXX XXXX XXXX XXXX XXXX XXXX, which should be billed to XXXX. XXXX XXXX/XXXX/XXXX statement, copy attached, clearly reflects that the XXXX XXXX is XXXX XXXX ( Upper right side ). As a note, I am a XXXXyear-old individual entitled to XXXX benefits. XXXX is XXXX provider that handles Part D benefits. Finally, in my letter I also mentioned that I was not willing to pay for inappropriate billings. Rash-Curtis has not responded to my XXXX/XXXX/XXXX letter. 

Although I properly notified the collection agency that I disputed the debt, on XXXX XXXX, XXXX, I received a notification from XXXX informing that the XXXX XXXX XXXX invoice for {$140.00} had been reported as a collection debt. Because Rash-Curtis actions are clearly not in compliance with the Fair Collection Practices Act, I hereby request that this collection item be immediately removed from XXXX records as well as the files from other credit reporting companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE YET TO RECEIVE ANY INVESTIGATION RESULTS XXXX XXXX  XXXX
Product: Student loan

Suddenly, I received an increased payment due notice of {$120.00} when it has been {$41.00} all along. No explanation was offered by Navient. 
I continued to remit timely monthly payments of {$41.00} while they continued to report missed payments to the Credit Bureaus and ruined my credit score. However, they cashed my checks and collected the payments. 

My agreement with them is was an IDR plan with monthly payments of {$41.00}. 
Simply put, that is what Navient and I agreed on ( our contract ). 

Suddenly, I am receiving a different monthly amount due. Please see attached letter to Navient regarding this.
Product: Credit reporting

I submitted a dispute with Experian on or around XX/XX/2017. An item that i dispute, as the account is not mine, came back as updated. I contacted Experian twice on XX/XX/2017 and asked how the items were verified. I was advised by the 1st customer service rep XXXX that Experian is not required to provide any verification to me. I asked for a supervisor and was informed that a supervisor was not available. I gave XXXX my number and he advised that a supervisor would call me within 24-72 hours. I feel that this is unacceptable timeframe for a return call. I called back 3 hours later and spoke to 2nd customer service rep, XXXX. XXXX stated that if the account came back as verified then I would need to reach out to the creditor as Experian is merely the middle man. She stated that they only report the dispute to the creditor and that they are not responsible for any verification of alleged debts.She said that the disputes were electronically submitted to the creditor and that they received an electronic response stating that the account belongs to me.I was told that they do not have any documents, only electronic files. I requested proof of verification. I was informed that the only information that they could provide to me was that the account was verified and referred me to the creditor. 
I would like to know where are the documents that were used to verify these accounts? What is the name of the person in the company who verified and authenticated these accounts? What documents did they use to verify them? Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified accounts 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 investigations, you stated in writing that you verified that these accounts are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

- I have converted my lease vehicle into my own three months before lease end date. 

- Sales dealer accepted a deal for XXXX including tax and all remaining payments in my existing lease. This is how all deals work when you try to convert a lease vehicle into your own, the Sales office will provide a quote based on the current payoff amount of your car. 

- We agreed and bought a vehicle. 

- Now the problem is Sales Manager ( dealer ) failed to pay all my payments to my current lease instead he paid only two payments. He was saying the contract is written in that manner, I checked all my contract papers. It is nowhere mentioned that I'm converting my lease vehicle into new. And also there is no financial document to say what is my current payoff amount and how much the dealer agreed to pay the existing lease. 


- Initially they paid two payments, they didn't ask Benz Financial services to remove turn in fee and extra mileage. I have called multiple to remove that as well. 

- I felt I have been cheated in this deal by not providing proper information, one payment which I need to pay to their own financial company and also my own car itself sold to me as a used car with my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2017, XXXX bank closed my XXXX card with no consent or knowledge from me. 
This led to me not being able to make payments on the account. This then led to the account going late multiple months then to a charge off. 
Even after talking multiple times to their XXXX customer service departments, with no help. They would only say things like " the account is closed, we cant help you '' or " wait till it goes to collections ''. 
For the last 5 years this account has HAUNTED me and my credit reports. Making it still so I can not obtain proper credit or even a mortgage.
Product: Debt collection

I opened a credit card in XXXX. Since then, it was charged off to Midland Credit Managament. Someone responsible in collecting the debt in this company attempted to contact me via phone in XXXX of XXXX. I told them that at that time I could not pay the amount in full when they offered, but that I would get with my husband about what we could afford and call them back when I could ( as I have been unemployed since due to high risk XXXX and having to stay home with my child-meaning no source of income ). They called back the very next day without waiting for me to contact them first, when I answered they were forceful in stating the only options available to me and asking over and over again if I had spoken to my husband about it. I told them that I had not spoke to my husband yet, and am aware this will affect my credit but I dont have many options at the time. They continued to call consistently for up to 3 days after this second phone conversation and leave voicemails. They mailed things to me as well at my home address regarding the charge off, and put on paper what my options were then. I already stated to them that I would get back with them and they did not allow me the time. My circumstances have not changed since then and they are attempting to sue me for the full amount plus court fees. I also attempted to contact them back via mail after being served by the magistrate court and they refused to respond to any of my solutions or offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted as soon as possible. 
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 review a copy of my credit report and notice I had fraudulent acccount on my report. Please remove these accounts from my credit, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Name XXXX XXXX XXXX account # XXXX, XXXX # XXXX has violated my right

s 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to file a formal complaint against the credit reporting agencies ( CRAs ) XXXX and TransUnion for their continued reporting of inaccurate student loan data related to my account with XXXX XXXX XXXX XXXX Notably, XXXX has already updated and removed this information from my credit profile after recognizing the inaccuracies. 

My complaint centers on the failure of XXXX to provide a complete and original contract for my student loan, specifically a full copy of the XXXX Promissory Note ( XXXX ) which should include all XXXX pages, not just the signature page. This incomplete documentation calls into question the accuracy of the balance and other loan details reported by XXXX to XXXX and TransUnion. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies and the furnishers of credit information are required to report only accurate and complete information. Since XXXX has failed to provide the original full loan contract, they lack the basis to verify the reported debt 's accuracy. Thus, any reporting of this loan 's details by XXXX and TransUnion is potentially a violation of the FCRA. 

Additionally, the Uniform Commercial Code ( UCC ), which governs negotiable instruments and transactions, stipulates that a promissory note must be complete and unambiguous to enforce payment. The provision of only a partial document ( the last page of the XXXX ) by XXXX fails to meet this standard. 

Requested Action : I hereby request that he CFPB implore XXXX and TransUnion to immediately remove the inaccurate reporting of this XXXXXXXX XXXX XXXX from my credit reports. This action is justified by the following legal and regulatory standards : Fair Credit Reporting Act ( FCRA ) : Requires the accuracy and completeness of information in consumer credit reports. 
Uniform Commercial Code ( UCC ) : Requires a complete instrument to enforce debt obligations. 

Supporting Case Law : In Johnson v. MBNA America Bank, NA ( 2007 ), the court held that furnishing inaccurate or incomplete credit information violates the FCRA.

In Smith v. Equifax Information Services LLC ( 2010 ), it was ruled that a CRA could be liable for not properly investigating disputed debts.

As NOTICE I am prepared to take further legal action, including arbitration or litigation, should XXXX and TransUnion fail to resolve this matter promptly by removing the disputed account information, as XXXX has already done, which again emphasis XXXX XXXX of how can you both be be correct and assure maximum accuracy of the info? 

15 U.S.C. 1681e ( b ), specified that : Accuracy and Fairness of Credit Reporting : The agency must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Please treat this matter with urgency and thoroughness it demands. I expect a written confirmation of the removal of this information within 30 days of your receipt of this complaint.

Thank you for your attention to this serious matter.

Sincerely,
Product: Checking or savings account

Closed a business account and a personal as retaliation for filing a complaint with your agency. The business account was just opened. Immediately after filing a complaint my accounts were closed.
Product: Debt collection

Debt was initially legitimate. Debt was paid in XX/XX/2014 to law firm collecting on behalf of debtor, XXXX XXXX XXXX. I don't know what XXXX XXXX XXXX did with the money, or was it misapplied, but now 4 years later I am being repeatedly contacted by Glasser and Glasser, law firm, for same debt. I have disputed, and XXXX XXXX simply sends me evidence of original debt. I had 2 judgments, both were paid in one lump sum to XXXX XXXX XXXX for the benefit of 2 XXXX XXXX accounts. My money was processed by conversation with XXXX XXXX of XXXX XXXX XXXX in XX/XX/2014, at XXXX, to cover both accounts in full. I appreciate your assistance in getting to the bottom of this.
Product: Credit card or prepaid card

This is a complaint against BBVA USA credit card account XXXX. I contacted BBVA today @ XXXX requesting for the overpayment of {$2400.00} on my credit card account to be credited to my checking account which was also with BBVA. My call was transferred to the fraud department treating me like a criminal. I spoke with XXXX who told me I have to wait for the credit card cycle to end which would be on XX/XX/XXXX and they can release the funds to my checking account. BBVA is illegally holding the funds for two weeks when I did not owe anything on the credit card. I should not have to wait two weeks when it took BBVA a minute to debit my account. I ask for supervisor and I was told a supervisor named XXXX will call me but never did.
Product: Money transfer, virtual currency, or money service

I need my money and all accounts back to this new account my others were all stolen and hacked thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reached stature of limitations and should be removed from all three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and saw some billing inaccuracies. These late payments are not reflective of my typical payment behavior. Please rectify these errors and update my account. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three different accounts showing on my Equifax report that has no owners name, the accounts just shows ( original creditor ). 

On XX/XX/2019 I sent a certified investigation letter to Equifax which was delivered on XX/XX/2019 ( Tracking # XXXX XXXX. XX/XX/2019 Equifax sent an updated report on the accounts included on the investigation letter that did not include the three ( original creditor ) accounts. 
XX/XX/2019 I ran a new credit report and the 3 ( original creditor ) accounts was still showing on my report. I then sent a certified discrepancy letter to Equifax on XX/XX/2019 which was delivered on XX/XX/2019 ( Tracing # XXXX XXXX. XX/XX/2019 and XX/XX/2019 Equifax sent a detailed credit report of the accounts that was on the discrepancy letter, and once again the 3 ( original creditor ) accounts was not on the report. 

XX/XX/2019 I ran another Credit Report from Identity IQ and the 3 ( original creditor ) accounts are still showing on my credit report as a collection/charge off, with a consumer disputes this account info, medical, subject has not satisfied debt. 

I have attached all the certified letters and results from Equifax where they never verified the debt and/or removed them from my credit report.
Product: Credit reporting or other personal consumer reports

I have reached out to CFPB in concerns to Experian reporting unauthorized inquiries on my consumer report on XX/XX/XXXX. XXXX Experian replied by stating that these inquiries Will be removed. I have an attachment with proof that what I am reporting is accurate. It is now XX/XX/XXXX and this inquiries are currently still reporting. I am requesting for an immediate removal of these items and also I am seeking for monitary payment of {$1000.00} per violation ( each inquiry ) along with {$1000.00} for each inquiry each month that hard inquiries was on my report.
Product: Credit reporting or other personal consumer reports

Your unauthorized derogatory rating has directly caused loan denials and increased interest rates, resulting in documented financial damages. These negative entries violate the Fair Credit Reporting Act and must be immediately deleted from all three consumer reporting agencies.